davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Pennymac loan company bought my mortgage. My escrow payment increased and they did not notify me. I have the payment set to autopay, so my mortgage payment was {$50.00} short. Pennymac did not apply my mortgage payment and instead held the payment in suspense. They did not send a letter or an email. I called them, and they informed me that I have to check my inbox on their website. There is no other way I could've learned about the changed payment amount.

I learned about the changed payment amount after Pennymac left me multiple voicemails asking me to call them without explaining the purpose of their call. I called them back three times and waited on hold for over 20 minutes each time. After finally being connected with a person, I learned my payment was short. That person was unable to change the account settings to start mailing paper notices. 

I went to their website and logged in, and changed the communication settings to receive notices by mail. I attempted to make a payment for the additional {$50.00} due, but their website would not permit me to make the payment. It would only permit me to make a full mortgage payment without reduction for the nearly full payment they have held in suspense. This is effectively charging me my mothly mortgage payment twice. 

I am highly disappointed in their service ( or lack thereof ). I look forward to my loan being bought by another servicer in the future and I do not want to continue doing business with this company.
Consumer complaint received 2022-04-27
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. (MD)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have 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 are the accounts that are reporting on my Credit Reports : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXXXXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$600.00}
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXXXX/XX/2020 ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-03-29
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)

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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have an account on coinbase.com. I have fully verified this account and using from 2020 for receiving and sending crypto. On XX/XX/XXXX suddenly I noticed that I can not send crypto using coinbase. It says " you are currently unable to send crypto on Coinbase. Please contact customer support ''. But I can receive crypto. what does it mean? I receive more so that they can hold more. I have contacted with customer support. They told me that my account is under review. They did not tell me the reason for this. Also they could not able to tell me what will happen with my balance and when I will be able to send it.
Consumer complaint received 2019-08-11
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. (FL)

Direct Dispute In partnership with Past Dispute XX/XX/XXXX Completed XXXX   XXXX Reported on XX/XX/XXXX {$8700.00} 175 % of Credit Limit* Item Results Result : Deleted - XXXX  has deleted the account or record from your XXXX credit report. 
Dispute Reason Accuracy : This account is involved in litigation. 
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please refer to XXXX   file # XXXX
Consumer complaint received 2020-09-22
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MD)

On XX/XX/20, I received an email from XXXX that my credit scored with XXXX had been reduced by 30 points. When I accessed XXXX, my entire auto loan with Ally had been removed and identified as paid. I submitted 4 emails and proof of the reporting to Ally and asked them to fix this immediately because I am in the middle of a mortgage purchase. I received 4 automated responses to my emails. I finally called Ally and the representative stated that " the credit bureaus are not telling me the truth, that they have NO reason to report my account as closed ''. I asked to speak to a manager but none were available so they sent me to a " consumer help line '' who told me that " this is a KNOWN problem and that it will take 45 days to update the reporting ''. Why is it that they are allowed to negatively effect my credit, which will DEFINITELY stop me from purchasing a home because the drop in my score will effect my interest rate ; but I have to wait FORTY-FIVE DAYS for them to fix what they screwed up? Why do I have to suffer for their mistake?
Consumer complaint received 2021-07-10
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. (AL)

My car was broken into and some of my personal identification was taken. I have since noticed that several attempts has been made to purchase things using my information that I did not do. The things listed on this report is fraud and not mine.
Consumer complaint received 2020-11-22
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. (KY)

On XX/XX/2020 I disputed 2 items on my credit report that dont belong to me and are erroneous items on all 3 of my credit reports. XXXX  and XXXX  investigated and removed them from my credit report. Equifax has refused to remove them from my credit report. The creditor is XXXX  XXXX in the amount of XXXX and the other in the amount of XXXX. I sent Equifax customer complaints about this company how they magically appear on peoples credit reports and I have repeatedly contacted this company and they continue to give me the run around without any assistance. On XX/XX/2020 I wrote Equifax and requested that they send me information including names of how they completed there investigations and gave them a time limit to respond to me and to no avail Equifax has never supplied me with the information I requested and it has been over 5 months. By law Equifax is required to remove these erroneous items from my credit report.
Consumer complaint received 2020-11-21
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 disputed the inaccurate reportings with XXXX, Experian, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX , and XXXX XXXX XXXX. I never paid the following accounts late, XXXX  XXXX : XXXX  is reporting a payment status of Current but then reporting a late payment of 30 days late in XX/XX/XXXX, Experian is not reporting this account, XXXX is not reporting this account, XXXX XXXX : XXXX  is reporting a payment status of Late 120 Days then reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 90 days late in XX/XX/XXXX and 120 days late in XXXX through XX/XX/XXXX, Experian is not reporting this account, XX/XX/XXXXis not reporting this account. The following accounts do not belong to me and should be removed from my credit file, XX/XX/XXXX Account Number XXXX XX/XX/XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$1000.00}, Experian is reporting an opened date of XX/XX/XXXX with past due balance of {$480.00} and XX/XX/XXXXis reporting an opened date of XX/XX/XXXX with a past due balance of {$680.00}, XXXX XXXX XXXX Account Number XXXX XX/XX/XXXXis not reporting this account, Experian is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX Account Number XXXX XXXX is not reporting this account, Experian is not reporting this account and XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$430.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XX/XX/XXXX, Experian and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and XX/XX/XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

I have been dealing with Nordstrom with incorrect reporting. I settled this account on XX/XX/XXXX for and it's paid with XXXX XXXX was I was told by XXXX XXXX that they would remove this account when the info return was updated with XXXX. 

When contacting XXXX they said again they couldn't talked to me about this account. 
I don't understand how I paid this company XXXX but I can't get any information in regards to then updated my credit report.
Consumer complaint received 2021-02-02
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. (TX)

I have been dealing with XXXX XXXX XXXX with incorrect reporting for the last 3 months which has delayed my process of purchasing my home. I settled this account XX/XX/XXXX for {$4600.00}. I was told that this information would be reported in 30 days as a paid charge off so I moved my closing date on my home until XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX and they told me they had dropped the ball and this should of been updated in there system in XXXX which it was not and now they don't have a time grabs of when this information will be updated! This is a violation of my consumer right with incorrect reporting on my credit report and is negativity impacting my credit as well as could prevent me from purchasing my home.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have been dealing with XXXX XXXX XXXX with incorrect reporting for the last 3 months which has delayed my process of purchasing my home. I settled this account XX/XX/XXXX for {$4600.00}. I was told that this information would be reported in 30 days as a paid charge off so I moved my closing date on my home until XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX and they told me they had dropped the ball and this should of been updated in there system in XXXX which it was not and now they don't have a time grabs of when this information will be updated! This is a violation of my consumer right with incorrect reporting on my credit report and is negativity impacting my credit as well as could prevent me from purchasing my home.
Consumer complaint received 2023-01-09
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. (PA)

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, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-27
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)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have 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 are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (TX)

I have been dealing with One Main Financial with incorrect reporting for the last 3 months which has delayed my process of purchasing my home. I settled this account XX/XX/XXXX for {$4600.00}. I was told that this information would be reported in 30 days as a paid charge off so I moved my closing date on my home until XX/XX/XXXX. I contacted One Main Financial XXXX and they told me they had dropped the ball and this should of been updated in there system in XXXX which it was not and now they don't have a time grabs of when this information will be updated! This is a violation of my consumer right with incorrect reporting on my credit report and is negativity impacting my credit as well as could prevent me from purchasing my home.
Consumer complaint received 2023-01-09
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. (TX)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim ofidentity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation andapply their company policy to treat this as a dispute. In fact, when I called them, they stated that theirpolicy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block thereporting of any information in the file of a consumer that the consumer identifies as information thatresulted from alleged identity theft, not later than 4 business days after the date receipt by such agencyof- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) theidentification of such information by the consumer, and ( 4 ) a statement by the consumer that theinformation is not information relating to any transaction by the consumer. I submitted proof that mysocial security number, fingerprints, birthdate, addresses, and other identifying information wereaffected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all therequired documents per 15usc1681c and yet the CRA has failed to block this information and it has beenover 4 days. Again, this is NOT A DISPUTE. 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 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

As you are aware, the Fair Credit Reporting Act states that I have a right to challenge all inaccurate information listed within my consumer reports. In addition, Code 15 U.S.C. Section 1681 states that I have a right to privacy and all inaccurate information must be removed from reporting. I want these collection accounts removed due to inaccuracies and the time allowed for reporting collections has exceeded seven years. 15 U.S.C. 1681 Section 604A states that a consumer reporting agency can not furnish an account without my written permission. Thus, I want the collection accounts listed below removed from my consumer reporting with all bureaus. 

1. Collection account name : XXXX XXXX XXXX  Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed.

2. Collection account name : XXXX XXXX XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed. 


XXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

As you are aware, the Fair Credit Reporting Act states that I have a right to challenge all inaccurate information listed within my consumer reports. In addition, Code 15 U.S.C. Section 1681 states that I have a right to privacy and all inaccurate information must be removed from reporting. I want these collection accounts removed due to inaccuracies and the time allowed for reporting collections has exceeded seven years. 15 U.S.C. 1681 Section 604A states that a consumer reporting agency can not furnish an account without my written permission. Thus, I want the collection accounts listed below removed from my consumer reporting with all bureaus. 

1. Collection account name : XXXX XXXXXXXX XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed. 

2. CollectioXXXX account name : XXXX XXXX  XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed. 


XXXX XXXX
Consumer complaint received 2021-02-02
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: AmeriCollect (GA)

XX/XX/20 I wrote a letter to XXXX XXXX  for charge off account in the amount of XXXX. I requested under the FDCPA to the creditor to provide me with original signed documents that bares my signature or to remove the said account reporting on my credit that is not mine. They failed to do so and responded stating that it belongs to me with nothing to back it up. I sent a dispute exercising my right according to FCRA to XXXX and XXXX and both also refused to delete unverified accounts and ignored my request to reinvestigate that the accounts were being reported fraudulently since they failed to actually do a actual investigation. When I asked for documents used and the procedure that states that those said accounts were in fact accurate my request was denied, ignored and I was told that because a investigation was initially done they dont have to nor will they conduct another one. How is this even legal how can the credit bureaus get away with not following the law guide lines?