davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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. (NC)

I have not received an updated Experian credit report or score since XX/XX/2022. My address of 16 years has been removed from my credit report. I since the requested documentation and it was confirmed 4 times that it was received. Each time I was informed that my report would be updated in 24 to 72 hours. It has not happened yet. I am a human and living being and my rights are being violated. Please help me
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian has my name wrongly listed on their reports. Instead of having my name as " XXXX '' & surnames as " XXXX XXXX '' they have my name as " XXXX XXXX '' and my surname as " XXXX '' They claim this is happening because the providers are reporting this information incorrectly, however I have called the providers ( and I have even reviewed this myself ) and my names & surnames are properly listed. The providers also argues that Experian is the only Credit Bureau reporting my name wrongly, which does not happen with XXXX or XXXX. 

However, Experian representatives say they can not do anything on their end and this needs to be fixed by the providers
Consumer complaint received 2023-05-27
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: EQUIFAX, INC. (TX)

I had reached Equifax bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2021-07-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

XXXX XXXX in the state of Georgia, sold my home mortgage to PennyMac way in California without informing me until after it was already done. I didnt have a choice in the matter despite my objections. Now, PennyMac has increased my fixed rate mortgage from {$1100.00} to {$1300.00}. They claimed the reason for the increase was due to my insurance. However when I asked PennyMac what was the amount of my insurance previously versus now, there was only a {$7.00} ( XXXX dollar ) difference? PennyMac failed to properly explain how a {$7.00} dollar difference could result in over a {$120.00} dollar monthly increase. PennyMac claimed that they had to charge me more money in order for my escrow account not to be delinquent by over {$1000.00}. I asked them how would I be in the hole by over a thousand dollars for only a XXXX dollar increase? They couldnt explain it to me in a way that made any sense. Ive had my insurance to slightly increase in the past, but it didnt result in such a dramatic difference in the cost of my mortgage like it is with PennyMac.
Consumer complaint received 2020-09-09
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. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (NJ)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-25
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. (GA)

EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. XXXX collections from company XXXX XXXX XXXX are not the consumers. The said company had XXXX  days according to LAW to remove such items. Consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer and that the XXXX reporting collections are indeed the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is not asking for an e-oscar report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file numberXXXX 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 i will be filing form 211 treasury omb forms to audit consumers account. EQIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (KY)

My student loans were transferred from XXXX to Mohela XX/XX/XXXXXXXX  and ultimately forgiven as part of PSLF/XXXX I've received confirmation lettters and XXXX balance across all accounts ( Mohela, Department of Education, XXXX  ) XX/XX/XXXX. On my credit report, however, it is showing my student loans are doubled -- BOTH XXXX  and MOHELA are showing my student loan debt so it appears I actually have double the amount of student loans which is a sizeable amount. This is unacceptable -- I have not had a balance with XXXX for almost a year, and it has been almost four months since my loans were forgiven under PSLF/XXXX. This has negatively impacted my credit score, my debt to income ratio, and is prohibiting me from buying a second house and car. Please address this as soon as possible and remove these balances from my credit report.
Consumer complaint received 2023-05-25
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account XXXX  : XXXX XXXX  Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages.
Consumer complaint received 2022-11-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Sir or Madam XX/XX/2022 I sent a complain about Bank of America regarding returning of my payment. Complain number is XXXX and XXXX, complain details are at the end of this message. XX/XX/2022 I got a reply from from Bank of America by XXXX. Contact person is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America, phone XXXX extension XXXX ) By this message XXXX XXXX asked me to call her directly by phone to confirm that I am the party who engaged the CFPB. Unfortunately phone number XXXX extension XXXX is wrong, as voice mail requiries XXXX digital numbers for extension. I have called several times to Bank of America ( phone number XXXX ) and have asked to connect me with XXXX XXXX, it was impossible to reach her. I have left my number and asked to call me directly, no call from Bank of America. Bank of America still has not replied my complain Please reply my previous complain and CANCEL AND RETURN PAYMENT REASON : REMITTER REQUEST My phone number is XXXX Best regards XXXX XXXX - - - - - - - - - - - - Previous complain I made a payment in the amount XXXX XXXX usd to XXXX XXXX BANK on XX/XX/2022. XXXX : XXXX REF : XXXX Since XXXX  XXXX payment is in Bank of America. My sending bank XXXX ( XXXX XXXX ) sent a recall request via XXXX XXXX  ( THEIR CASE XXXX ) on the XXXX of XXXX. To the current date my sending bank have not received any responcer. Unfortunately this request was not acquitted by Bank of America and payment was not charged back to my account Please make a chargeback urgently
Consumer complaint received 2022-11-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc. (SC)

Paragon Revenue Group dba Jon Barry and Associates Inc., is demanding {$640.00} from me with the intentions of damaging my credit files if not received in their version of a timely manner. Paragon Revenue Group are debt collectors demanding a debt on behalf of XXXX XXXX XXXX XXXX XXXX I have not received goods or services from Paragon Revenue Group. 

XXXX XXXX XXXX XXXX violated my HIPPA rights releasing my private medical information to Paragon Revenue Group XXXX Please be advised no consent to treat documents bare the name Paragon Revenue Group as Paragon Revenue Group is not a medical facility with active medical degrees allowed to collect funds from their alleged patients. 
A permissible purpose was not granted to Paragon Revenue Group. I am not a party to any agreements Paragon Revenue Group may or may not have with XXXX XXXX XXXX XXXX  I am not responsible for Paragon Revenue Groups purchase / transfer from XXXX XXXX XXXX XXXX XXXX have not agreed to pay/tender anything to Paragon Revenue Group. 

On XX/XX/2022 at XXXX I contacted XXXX XXXX XXXX XXXX on a recorded line in efforts to clear this matter with the original creditor. According to XXXX XXXX Customer service for XXXX XXXX XXXX XXXX  the alleged debt was sold to Paragon Revenue Group XXXX XXXX stated there was no payment due to XXXX XXXX XXXX 

Paragon Revenue Group provide the original purchase receipt, tax filings, name and number of the authorized representative that released my detailed private medical information to Paragon Revenue Group. 

My credit files are not to be reported to or damaged in regards to this matter Paragon Revenue Group., are not Holders In Due Course with contractual agreements to support goods or services provided to me. 

All calls are recorded for my safety. Please Cease and Desist. 

See attachments
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (FL)

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 personal information. 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 2023-05-25
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)

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX : {$34000.00}
Consumer complaint received 2024-01-22
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. (FL)

Experian is reporting accounts on my consumer profile due to an alleged identity theft. These accounts involve transactions unrelated to me, and I did not derive XXXX  benefit from them. I've provided Experian with written correspondence, including proof of my identity, an identity theft report, identification of the relevant information, and a statement, as legally mandated. They are obligated to block and remove these accounts within XXXX business XXXX  of receiving my notice.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to my research about FCRA 605, you are required by law to remove & block any inquiries which are found unauthorized, it appears that my credit with you has been compromised, these inquiries being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following inquiries that you must remove are listed below : 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 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MO)

I had a transaction made in XXXX, XXXX for {$75.00} at a XXXX. They've supplied me with very little information about the transaction. No date, and no time in my request for documentation. They haven't told me how the card was authorized. All they have said is because I got paid the day that the transaction was made, it had to be me. However, they've given no explanation for how I was able to make XXXX transactions in the XXXX XXXX area within XXXX hours of a transaction in XXXX. Over XXXX hours away. The transaction is clearly fraudulent but instead of investigating they've chosen to do nothing, and instead of supplying me with information to report to the police they've offered no information about the transaction. This is a clear violation of Regulation E.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Collection Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to the address. Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-12-12
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (VA)

The issue relates to a BlueBird by American Express prepaid debit card ending in XXXX. On XXXX XXXX, 2016, I returned some clothing items to a XXXX XXXX store in XXXX, VA in the amount of {$520.00} ( return receipts attached ). 
The original purchase was originally made on a different American Express card, and the BlueBird by American Express card at issue was mistakenly presented to the merchant for the return. The merchant processed the return to the BlueBird by American Express card/account in accordance with its own policies. 

The credit balance showed up on my BlueBird by American Express account within a day or XXXX. On XXXX XXXX, 2016, American Express informed me by email ( attached ) that it closed my account because it could not find corresponding debits to the {$520.00} in credits. The email from American Express further states that {$520.00} " has been returned to the merchant. '' Almost 4 months later, despite over a dozen calls by me to American Express, the funds remain in my closed BlueBird account as of today ( XXXX XXXX, 2016 ) and have not been returned to the merchant. American Express readily admits this each time I call in : its representatives have stated each time that I have called that the funds remain in the account, that the account is closed, that the funds can not be returned to me, and that the funds will be returned to the merchant, without providing a timeline. Attempts to engage with American Express regarding the reasons for closing the account and/or remedying the situation have been unsuccessful. 

After almost 4 months, the merchant has not received the funds. Based on my discussions with the merchant, the merchant is not interested in retrieving the funds from American Express because the original items were paid for in full and subsequently returned in accordance with the merchant 's policies. American Express has been holding these funds for almost 4 months. I am requesting that a check in the amount of {$520.00} ( the account balance ) be sent to me immediately and the BlueBird account formally closed.