davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

My mortgage has went up almost {$250.00} over 3-4 months. 
My property taxes has decreased due to a {$50000.00} exemption but my payments are still going up every 2 months. They have A, B options That are being offered to me which I've never heard of. I've never authorized/chosen any of them but they add them anyway. Its increasing my mortgage payment from {$1500.00} in XXXX to {$1700.00} XXXX. They're excuse is " my escrow acct '' and taxes increasing..However my taxes has decrease. I'm not getting anywhere with these ppl.. My mortgage is becoming unaffordable due to their compounding. Please help
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting an inaccurate public record on my credit file. I have notified them that that is not my account. This account is reporting a date of XX/XX/2009. This is not my public record. Please assist me in getting this public record removed from my Transunion report. Transunion is the only credit agency that is reporting this inaccurate information on my credit file.
Consumer complaint received 2018-02-16
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. (AR)

My name is XXXX XXXX, and I checked my credit report via XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX was removed from my credit report. I filed a dispute with Equifax on their website, and between XX/XX/XXXX and XX/XX/XXXX, they added the remark " charge off account '' to my credit report. Since Equifax did not notify me within five business days saying they were removing the account and then adding the account back on, I expect this account to be removed. The Fair Credit Reporting Act says that I as the consumer must be told if the information in my file has been used against me. Since I was not notified that this account was going to be added back on my credit report, I would like it permanently removed.
Consumer complaint received 2022-04-30
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. (MD)

In accordance with the Fair Credit Reporting act XXXX # XXXXXXXX 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 XXXXXXXX, 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 2022-04-30
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: OneMain Finance Corporation (NY)

In accordance with the fair credit Reporting act OneMain financial 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-10-28
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNTRUST BANKS, INC. (GA)

my husband an I opened two checking accounts and a savings account with Suntrust Bank and I was told I could not have accounts with them and now they will NOT return our money!! This bank will not even give me a reason as to why, verbally or in writing ...
Consumer complaint received 2019-03-16
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. (NY)

To Whom It May Concern, The reason for my dispute is XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. the date on this account is not valid and it is in error please delete this account it is not accurate FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY
Consumer complaint received 2022-04-30
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On 4 separate occasions Ive called Bank of America to reverse a payment made in error to a closed credit card account. Each time the representative has promised the reversal would be done in 24 hours and each time that has not happened. This has caused me to have to move money or miss payments to employees as its been going on nearly 3 weeks with no resolution, On the last occasion I went to the bank 's financial center only to be told by staff that they don't have " access " to business accounts??
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As indicated by the attached copies of letters and mailing receipts, Credit Bureau has been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, they have not done their duty mandated under the law. Their inaction in this matter is inexcusable, and their disregard for the law is contemptible. 
Federal law requires to respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC. 
For the record, the following information is being erroneously included on my credit report : 1. The wrong amount is being reported. Date of opening is wrong. 
XXXX XXXX XXXX  Account Number : XXXX Please ensure that all information is accurate. I was never late. I PAID AS AGREED.
Consumer complaint received 2020-09-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement  and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond,  within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XX/XX/XXXX I noticed my credit score had dropped significantly. I pulled up my Transunion credit report and noticed that an old item previously deleted in XX/XX/XXXX was put back on my credit report. I was never notified by Transunion and when I called they said the agency ( XXXX XXXX XXXX.a.k.a. XXXX  ) never certified it as true and accurate. Transunion never notified me it was put back on my report after 4 years. In XX/XX/XXXX report the deleted item was listed for {$190.00} and the original creditor listed as XXXX XXXX XXXX ( XXXX ) The XX/XX/XXXX collection agency was XXXX XXXX XXXX. ( XXXX  ). XXXX had said the amount as {$190.00}. That item was deleted from my credit report. 
Then In the XX/XX/XXXX Transunion reported a delinquent item was added to my report for {$190.00}, XXXX XXXX was listed as the original creditor with XXXX XXXX XXXX. ( XXXX ) the collection agency. I was told by XXXX  that the debt was actually for {$190.00} which is the same amount that I was told the debt was in XXXX and the original creditor was XXXX XXXX, the same as in XXXX. In XXXX the debt was in collection with XXXX XXXX XXXX. 
It is obvious that to sneak a deleted debt back on to a credit report, the creditor XXXX XXXX, tried to deceived by : 1 ) waiting 4 years, 2 ) falsifying the original creditor, 3 ) changing the amount of the debt and 4 ) changing collection agencies. All to avoid the certification and notice required by law. 
I have disputed this with Transunion. XXXX told me they sent the dispute to XXXX XXXX. But I was so appalled at the attempt at deception that I had to report this new tactic by a creditor to you.
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VT)

Beginning of XXXX, i obtain a new home owners insurance company ( XXXX ).  Current one was XXXX  XXXX XXXX. XXXX  XXXX XXXX refunds my payment to escrow account. USBANK sends two identical payments out for the same exact amount. Payment was sent out on the XXXX of XXXX, payment in full. USBANK repeats this draining my escrow account to an overdrawn {$98.00} escrow account. They " advance '' : me the $ XXXX So its at XXXX. On XX/XX/19 USBANK calls and a nice lady is instructing me to send the second payment back to them. Call after call im transferred, hung up on, lied to, etc ... ... .this goes on and on I am not calling them again, and am sending them an invoice for my time i have spent due to them treating customers as a " transaction ''. I wish there were a way, i would love to get even.
Consumer complaint received 2024-02-05
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. (OK)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is 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 item and remove them immediately in my report : XXXX XXXX XXXX XXXX Date Open : XX/XX/2015 Balance : {$0.00}.
Consumer complaint received 2022-04-30
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. (NJ)

On XX/XX/2022, I sent a letter requesting the 3 credit bureaus to investigate every piece of information on my credit report. According to FCRA, credit bureaus are supposed to investigated these items. They have sent me notification that the items were verified. They didn't do a proper investigation according t

o t he law. Every piece of information listed on my credit report is still not 100 % accurate.

The credit bureau has violated 15 USC 1681. The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ). The following accounts were not properly investigated : XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. I've sent letters on XX/XX/21, XX/XX/21, XXXX. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I have been a Citicard member for 31 years and in 2020 I have encountered the worst and most unprofessional customer service. I set up bill pay via my bank and have for the last 15 years. I set the payment up to pay on the due date and never had an issue with Citicards until XXXX 2020. Furthermore, I set up all my other bank payees in the same manner and have never had an issue. I have bank evidence and confirmation from my bank that Citicards ACH 'd my account on the due date ; however, they have begun holding the money and not posting to my account in a timely manner. XXXX also has this documentation. The only nice customer service representative I spoke with in XXXX, easily saw the situation and reversed the late fee and interest. This occurred again on my XXXX statement and there was not any professional CSR agents to assist me. Again, they clearly had the money but delayed posting it. 

I truly feel something has changed behind the scenes and they are now happy to rip off consumers.
Consumer complaint received 2023-04-03
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. (VA)

On XX/XX/2023, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating, " They do not report any bankruptcies to anyone. '' Therefore, if that is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681. section 603 ( 3 ) ( E ) states, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of that consumer reported on or with others that 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 consumer 's 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 consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681.

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

- According to, U.S.C. 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction - According to 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I requested a copy of my consumer credit report for Experian. I also requested for a copy of my consumer credit file. The sent the credit report. They did not send my consumer credit file. So I am sending this complaint so I can get a copy of my consumer credit file.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I have contacted Experian on several occasions regarding an account with XXXX XXXX XXXX. The first delinquency was reported to the credit reporting agency as of XX/XX/2016. When I log into Experian, there is a clear note that says " late payments stay on your report for 7 years ... '' I have contacted Experian on several occasions and have asked them to verify the accuracy of the information as well as the reporting and they have not done so. Experian continues to report the information on the behalf of XXXX XXXX XXXX even though it is erroneous and inaccurate. I have called and also supplied them with a copy of their own credit report, and it has been to no avail.
Consumer complaint received 2022-04-30
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. (NY)

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 U.S.C 1681. 

XXXX XXXX  Account # 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 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.