davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I have reached out to PennyMac to let them know they were reporting incorrect payment for XX/XX/XXXX. They stated that they would update the credit bureaus to reflect no late payment for XX/XX/XXXX. I decided to check my reports due to an alert indicating PennyMac being reinvestigated, only to find out that PennyMac has made the dispute worst by continuously report incorrect information to both XXXX and XXXX. I contacted both agencies and this is what they said to me : " XXXX stated that they received an electronic notification back from PennyMac indicating a 30-day late payment for XX/XX/XXXX is correct. XXXX  stated that they received an electronic notification from PennyMac indicating a 60-day late payment for XX/XX/XXXX is correct but they did not provide any actual or physical supporting documentation to support their claim but stating account has been 30 to 60 day late and verified payment for XXXX is correct. '' PennyMac has sent me documents to show that I was never late in XX/XX/XXXX, yet they are still reporting to the above credit bureaus that I am. I have sent those same documents to both credit bureaus to correct the XX/XX/XXXX payment to reflect Ok- paid as agreed. They will not change it because they said it's the creditor ( PennyMac ) responsibility to make the change. Per the Fair Credit Report Act, the creditor & credit bureau must report accurate and verifiable information. In this case, they both are clearly in violation of the FCRA Law and they have caused major damaged to my credit rating and score since XX/XX/XXXX to current. 

Facts : Home was sold on XX/XX/XXXX and PennyMac received full payoff as of XX/XX/XXXX. So, how can I be 30 or 60 days late for XX/XX/XXXX when they received full payment on the loan with the documents attached. By the way, 30 days late does not start until XX/XX/XXXX, and loan was paid off on XXXX than 30 or 60 days late? The fact of the matter is, they are reporting incorrect lates against me for XX/XX/XXXX with XXXX and XXXX. If this is not corrected in a timely matter, I will be seeking legal counsel for damages. 

Enclosures : XXXX  Credit Report for PennyMac XXXX Credit Report for PennyMac PennyMac XX/XX/XXXX History to prove I was never late in XX/XX/XXXX Closing Disclosure dated XX/XX/XXXX from the sale of the home Escrow Refund Check dated XX/XX/XXXX P.S. How can I be 30 to 60 days late for XX/XX/XXXX when the loan closed on XX/XX/XXXX and the Cancellation Of Deed To Secure Debt dated XX/XX/XXXX does not constitute a late payment when PennyMac received all funds on XX/XX/XXXX.
Consumer complaint received 2019-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IL)

AmeriHome Mortgage Company LLC failed to pay my homeowners insurance premium despite collecting the money from me in escrow. When alerted of the failure multiple times including by phone and escalating within the company, they have failed to resolve the situation, resulting in cancellation of the policy. A written request on their online portal has not yet been responded to, ever, after 22 days.
Consumer complaint received 2019-09-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (CO)

In XXXX I paid a company to eliminate these bills for me They only show a certain amount eliminated This should have been paid in full still showing on my credit I sent multiple messages to XXXX University and Student loan explaining this. All done between XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-04-26
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. (FL)

On XX/XX/19, filed a dispute with Equifax regarding the XXXX XXXX payment history not reporting correctly. On XX/XX/19, Equifax sent results stating the investigation was complete and they verified with the XXXX  XXXX that the data was reporting accurately as " in deferment '' However, Equifax refuses to report those months as " current '' on my credit report. 

I called XXXX XXXX on XX/XX/19 and requested a letter that would include the payment history. I was told that the letter would take several weeks to receive. XXXX XXXX verified via phone that they submitted the data to the credit bureaus for the months that I was " in deferment '' as current. 

Equifax refuses to update my credit file. I am still awaiting the letter from XXXX   XXXX to send to the credit bureau and will forward the letter from XXXX XXXX when I receive it. If Equifax does not update my credit file, I will exercise my rights to file a law suit against the company for inaccurately reporting this account on my credit file. 

I am attaching a letter from XXXX XXXX regarding the forbearance letter stating that interest is still accruing on my loans.
Consumer complaint received 2019-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (OH)

I was charged for a Moneylion membership fee and loan payment in XX/XX/2019. I notified my bank that this was fraudulent charges as I'd never heard of this company or applied for a loan. My bank issued me a new debit card and canceled the payments ro this company. This account is still listed on my credit report and is hurting my credit score. I have never requested or received funds from this company. I called the company Moneylion and XXXX, who I spoke with, asked for all my personal info. I gave her the info I felt was pertinent and she stated a fraud claim would be filed. She said their fraud department would contact me via email to complete investigation. No email has been received. I have worked very hard to maintain a 100 % payment history and this company is ruining this and my score.
Consumer complaint received 2023-07-06
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. (PA)

My name is XXXX 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 no consent is fraud.
Consumer complaint received 2022-11-30
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. (TX)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

On XX/XX/XXXX I hit a deer with my car. I turned this in to my car insurance. After several weeks of dealing with them, they finally did a total loss on the vehicle. The whole time I was in contact with the finance company who had the loan on my vehicle, which is Prestige Financial Company. I was told by them that I had GAP insurance and that once my auto insurance company sent them the check for the amount of the vehicle then they would start the claim for the GAP insurance. They received that check on XX/XX/XXXX. Today is now XX/XX/XXXX and this loan is still not paid off. I have spoken to XXXX, at Prestige who keeps telling me they put the claim in and now they are just waiting for them. It's been 4 weeks since they supposedly put the claim in. I dont understand what is taking so long. And when I try to call Prestige I can never get through to someone, you are kept on hold forever. They only way I have been able to contact them is going on to their website and sending an email. This is frustrating because they had no problem calling, texting and emailing me if I was late on a payment. I have explained to them that I cant get another car loan until this one is closed. So i have been without a vehicle since the end of XX/XX/XXXX. I have most recently asked for the insurance companies info that they have the GAP insurance through and I have gotten no response. I just need some assistance because everyone that I have spoken to about this says it should not take this long for the GAP insurance to kick in.
Consumer complaint received 2023-07-25
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. (TX)

In accordance with the Fair Credit Reporting Act, my rights have been violated by XXXX and XXXX. 15 U.S.C 1681 Section 602 A states I have the right to accuracy and privacy. 15 U.S.C 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX Therefore, please remove this account. I demand you to provide the required verifiable proof of permissible purpose confirming the legal authority to report such information or else complete a full deletion of the entire inaccurate & unverifiable information that is being reported on my XXXX and XXXX credit reports due to non-compliance of the Fair Credit Reporting Act. As of today, there is no physical proof that I knowingly and agreed to authorize anyone working at the companies that I have mentioned above to report such information on my XXXX and XXXX credit reports on these specific dates. I am asking that you make these corrections now to relieve yourself from non-compliance of reporting standards to report the accurate status of certified Metro 2 compliant reporting moreover 100 % provable true, correct, complete, and timely reporting. I am also requesting that the companies above mail me a copy of my signed authorization that gave them the right to view and report information to my credit report within five business days so that I can validate what is being reported. If they can not do so, then they will clearly be violating the Fair Credit Reporting Act which is why I am contacting you to help me with this. To that end, further, I am also requesting that they remove any and all of my personal information from their records. The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/1987 in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

Sent a check by mail with a copy of my statement on XX/XX/19. The check cleared on XX/XX/19. I contacted the company on XX/XX/19 and was told no payment received. Contacted the issuer of the check on XX/XX/19 and was advised that check had cleared on XX/XX/19 and they would email a copy of the cancelled check. I contacted the company on XX/XX/19 and was advised that still no payment received and that I would need to send proof of cancelled check. Was told that process would take 25-30 business days to resolve. Copy of cancelled check sent to fax number given.
Consumer complaint received 2019-04-26
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: CITIBANK, N.A. (FL)

Received a letter from Citi congratulating me on my new Citi Rewards card. I never applied or even intended to do so. I have zero accounts with Citi, so I was confused by the letter. Called them right-away and asked for the account to be closed. I'm still waiting for the affidavit I was supposed to received via email. I now have a hard inquire on my credit report from Cbna from XXXX XXXX, 2019, which does not belong to me, and they can't do anything about it.
Consumer complaint received 2019-04-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2019 Equifax was mailed a certified letter stating that I wanted to exercise my consumer right under the Fair Credit Reporting Act 611 ( a ), enforce by the FTC, a dispute of the accuracy and completeness of the following creditor information that has been reported to you Equifax, and is currently contained in your credit file : being inaccurate, and harmful, impacting my credit score. I also requested that in any notice of results of investigation provided back to me under this dispute, that Equifax provide to me, under the statutory provisions of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), a full written " description of the procedure used to determine the accuracy and completeness of the information '' that I have provided. Within 30 days or after I have yet to receive investigative results from my request. Due to Equifax lack of providing a description of the procedure used to verify the accuracy I sent another request under FCRA 611 ( a ) ( 7 ) a 15 day response on XX/XX/2019 again Equifax has failed to provide me with a description of the procedure to verify the accuracy of my previous dispute. It is my belief that Equifax is in violation of FCRA ( a ) ( 7 ) and have been willfully non compliant and have surpassed the statute of limitation on their investigation
Consumer complaint received 2019-04-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX or XX/XX/XXXX, Equifax has blocked all reporting of authorized user accounts to my credit report. They deleted 5 open accounts that were never late. Although I am not primary card holder on the accounts, i have spent the last 3 years working hard to pay all cards and accounts on time for my husband, kids and myself. All of our cards are family authorized cards that I pay the bills on, I manage every penny on each one. We made a goal to build our credit, to obtain a mortgage. This has been three years in the making. We are now going through the home loan process and they have deleted ALL of my positive credit. This is horrific and we could lose out on our home that we have made a priority goal for three years. We opt to use authorized cards because as a family of XXXX, will college kids, it would be hard for me to maintain the accounts for everyone if there were so many individuals floating out there. This has helped to keep our payments in order. I have sompoken with each creditors requesting the accounts be reinserted on my report, they each tried and have come back with equifax is blocking/suppressing the reporting.
Consumer complaint received 2021-03-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I was contacted by Amerisave representative after I went on line to inquire about refinancing my home. The Amerisave representative is XXXX XXXX. This was approximately in XX/XX/2021. He took my application and said he could get me a 3 % loan in 30 to 60 days. That did not happen. When I applied with Amerisave I was told I had to give Mr. XXXX XXXX, which was non-refundable, to start the process. I gave him tyhe XXXX and provided all documents asked for within days of there request. Only to be asked for them again and again, which I provided multiple times. Now today Mr. XXXX called me today to say that the underwriters still have more questions and now after all this time he will submit my documents and application to them. I think? Its hard to get a straight answer from this guy. I asked prior to this conversation, to refund my money, since the loan hasn't went through at no fault of my own. But apparently Mr. XXXX has not given my application the time needed for approval. He did not reply to my request and today XX/XX/2021 said he was going to finally submit my application to the underwriters. Since they had my money, I feel like this company and their representative have stolen XXXX dollars from me and destroyed my opportunity to get refinanced at historic lows and still are not letting me know if the loan is going through or not? I need someone's help to make Amerisave either refinance my loan at the agreed 3 % or lower since that is what he stated he could do.
Consumer complaint received 2018-10-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I DISPUTED A COLLECTION ACCOUNT IN MY CREDIT FIL(XXXX XXXX) FOR THE AMOUNT OF XXXX   DOLLARS.THE AFOREMENTIONED ACCOUNT WAS DELETED FROM MY FILE IN XX/XX/2018.I DISCOVERED THAT THE SAME ACCOUNT RE-APPEARED IN FILE ON XX/XX/2018.I DID NOT RECIEVE A LETTER OF THE REINSERTION WITHIN THE FIVE PERIOD AS PRESCRIBED BY FAIR CREDIT REPORTING ACT(SECTION 611). THIS IS A CLEAR VIOLATION THAT SAID ACT.
Consumer complaint received 2022-06-14
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 XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-06
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. (PA)

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 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A sectio n 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 1681 s-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. No Opt outs were granted per 16 CFR-313.17 also in violation of 16 CFR 433.2- Account number- Credit bureaus have multiple late items with unmatching dates and late payment statuses that need to be updated. Also there are multiple charge off Accounts these accounts can not be listed as income on my end due to company already charging these items off via 1099 this would be double accounting and fraudulent collecting. There was also information being shared that was not authorized to other 3rd party affiliates this is a violation of the Privacy Act of 1974. 
Company information
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

my credit score was XXXX then within a month my credit score dropped to XXXX for no apparent reason. 
I pay all my invoices on time unless I do not receive the invoice
Consumer complaint received 2019-04-26
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. (IN)

On XX/XX/2019 I discovered that XXXX XXXX XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that Equifax and XXXX XXXX XXXX XXXX remove this from my report immediately.