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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Inquiry date- XX/XX/XXXX Capital One auto finance P.O. Box XXXX XXXX, tx XXXX RE : Unauthorized Credit Inquiry Dear Capital one, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, - Inquiry date- XX/XX/XXXX XXXX card PO Box XXXX XXXX , de XXXX RE : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, Inquiry date- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , tx XXXX XXXX : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score.  Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully,
Consumer complaint received 2021-03-25
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: Experian Information Solutions Inc. (FL)

My XXXX XXXX account was opened in XXXX and continues to be open today. In XXXX of XXXX, I received a letter from XXXX XXXX stating I was 90 days past due on my account. I paid off the account in XXXX of XXXX with a payment in excess of {$8300.00}. Since XX/XX/XXXX, only monthly subscriptions were charged to the account and I continued paying the small bills. My credit was very high ( XXXX ) in the beginning months of XXXX, however, this has destroyed my credit and needs to removed immediately from my credit file. I called XXXX XXXX in XXXX of XXXX and asked for an explanation as to why I hadnt received any bills in the mail until I received a 90 day delinquent notice. I was told by the representative that I had changed my billing to electronic. This is a complete falsehood. I never opted to receive my bill electronically and I asked the representative to tell me what email they have and she stated they had XXXX. I never received or responded to any email from XXXX XXXX stating that I wished to change my billing preferences. I would like XXXX XXXX to produce the correspondence showing that I elected to receive my billing statements electronically. If that can not be produced, I believe that XXXX XXXX should remove this derogatory information from my credit file with all three agencies. Additionally, I hired XXXX XXXX to try and rectify the situation and it didn't seem to fit any of their pre-determined categories. I wasted over {$300.00} with their service. I never changed my billing preferences and never received a bill to pay until I received a 90-day letter in XX/XX/XXXX. My account was paid in full immediately after receiving the letter in XXXX of XXXX. XXXX XXXX
Consumer complaint received 2021-03-25
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. (AZ)

Have submitted ALL required documentation to report & block ( remove XXXX accounts that where reported as identity theft. Ive submitted : - a letter notifying XXXX XXXX XXXX XXXX - Identity theft report with FTC - Identity theft report with XXXX XXXX XXXX - list of fraudulent accounts - copy of my XXXX XXXX XXXX XXXX card and recent utility bill. 
Ive submitted all the above documentation 3 times with no result.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one Account Number : XXXX {$4600.00} Capital one has the above account list as a collection on my credit report. I am not aware of the full details of the charge from XXXX rental company. Ive contacted capital one and XXXX and neither have been able to provide me with an itemized bill. XXXX representative stated that the bill kind of matches a tow receipt the company charged me for but the system deletes every six months so there's no way of knowing exact charges. They have reported this to my credit bureaus knowing its in accurate and un accounted for.
Consumer complaint received 2022-07-25
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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. (GA)

Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized.
Consumer complaint received 2021-05-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Since 2018 with documented certified letters, emails, and voicemails, I have tried to get in contact with Pentagon Federal, and they will not return my calls, emails, or certified letters but keep updated my credit reports inaccurately. I have been trying to pay this debt since 2018 but have no access to their online site, and none will return any of my messages. They should not be updating my credit report if they are just going to keep ignoring the consumer, especially when they are trying to pay the debt.
Consumer complaint received 2019-09-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have filed multiple disputes with Equifax about a fraudulent bank raptly that is reporting on my credit report I have sent in a police report and FTC report. All I ever get is disrespectful people on the phone not willing to help me.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to formally dispute the validity of the hard inquiries listed below on my credit report. I have reviewed my credit file and have identified several inquiries that I did not authorize.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, and XXXX XXXX XXXXXXXX Account # XXXX have all 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 2019-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I am writing because FedLoan has failed to generate a correct and up to date count of my PSLF payments. On XX/XX/XXXX, FedLoan issued an official accounting of my PSLF payments from XX/XX/XXXX thru XX/XX/XXXX. ( Document is attached. ) FedLoan credited 50 payments but they should have credited 51. I wrote to FedLoan on XX/XX/XXXX, and told them that their count erred in this specific way : For the period of XX/XX/XXXX to XX/XX/XXXX, I had made 12 payments but they only counted 11. I offered to supply payment confirmation documentationif needed. ( My letter is attached. ) On XX/XX/XXXX, when FedLoan had failed to respond in any way to my letter, I called and spoke to Rep # XXXX. That Rep reviewed the payment history with me on the phone and verified that I was correct and that they had missed a payment. That Rep told me that she would " have a review generated and a new letter issued. '' She told me it would take 7-10 days. A month went by and when FedLoan failed to issue the new letter, or communicate with me in any way, on XX/XX/XXXX, I, once again, called. I spoke with Rep # XXXX. That Rep told me that " a review '' was submitted on XX/XX/XXXX but that it would take 90 days for them to respond not 7-10 days. The Rep told me I would receive my new, corrected, PSLF count in XX/XX/XXXX. On XX/XX/XXXX, I called again and spoke with XXXX # XXXX who said that she could see my review was " still pending '' but that they were " very backed up '' and so she could not give me a completion date. Over the past 10 months I have received zero communications from FedLoan regarding the status of my pending review or my PSLF payment count.
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (FL)

Caine & Winer got this collection from XXXX. My policy was $ XXXX, I stopped my progressive insurance on the XXXX of the 6th months because I did not want to renew because it was too expensive. Still they charged plus over charged me. Please check my screenshot. I do not owe them. I cancelled my policy on the first of the month because the renewal was too expensive. I called them. But the still charged me for 1 last months while I have XXXX when I called them, they said no body stopped my services, so they charged me anyway for 1 straight month. But even over charged. Because my payment was supposed to be {$240.00} They reported {$490.00} and I called them. They said I have to Caine & Winer, but hey I called them they be telling me if I don't pay my credit will be messed up. 

I have enough evidence to make a court claim, I don't ; but they have the power to sit in my report illegally for no reason to destroy my life and future in this system. 

Because they have too much power. I attached all the proofs of what I was paying and where price went up. It was a 6 months policy, I left it on the 6th month. But still they over-charged. They could charge me for the one day of the 1st of the month, but not for this much.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MA)

SunTrust bought my mortgage from XXXX Mortgage and the provided no information about the new mortgage ( mortgage number, payment options ). Their first communication to me was to tell me my payment was late and they were unable to offer ability to pay the mortgage online. Their customer service had long wait times and could not take a loan payment over the phone.
Consumer complaint received 2021-05-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

On XX/XX/21 we suffered damage to our house from a car hitting it. I sent my claim to my mortgage company and they said if the check was under XXXX they would endorse it and mail it back so I then can use that for repairs. Once they got my claim check they told me they changed their mind and are holding the check until I provide more details. I have them all the documents required and they refuse to give me my check. Meanwhile I cant repair my house
Consumer complaint received 2021-08-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX, am requested an investigation regarding method of verification item on my credit file that where being reported illegally, on XX/XX/XXXX I received a letter from you regarding investigation results the was verified as accurate. This concern me as I do not understand the reason that information still in my credit report. i request the Transunion provide a full disclosure of a Method of Verification. This request was made under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier request under FCRA 611 ( a ) filed, XXXX XXXX XXXX DL XXXX ). 

Base on that I was contacted on XX/XX/XXXX, to be inform about whos provide the public information and your consumer center agent said was inform by XXXX XXXX XXXX, have already contacted him and he sent to me the letter of I attached on this present letter. 

To be more specific, base on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all the relevant information I provided by you to the creditor for their investigation of base in my request. The procedures for verifying records with the credit reporting agencies as Bankruptcy Court are not collection agency nor report any information to the credit reporting agencies. My lawyer XXXX XXXX XXXX said have no sent or submitted to any credit agency any information regarding this client based on that I request a method of verification. 

Whos Provide or verify de Information.

Date and Time Address Phone Number Person or Employee name Please provide me with all the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Stating that you have verified the information with the court. I contacted the court and their response in enclosed. It is clear they do not report to your or to any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

I called back tranunion and they informed me was a third party name XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX phone ( XXXX ) XXXX am already contact by phone the followed company they took my information to call me back and XXXX week later never happen they don't call me. 

I think Transunion and XXXX XXXX XXXX violating my consumer rights. 

Sincerely, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX . 
XXXX, OH XXXX XXXX
Consumer complaint received 2021-08-09
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. (MO)

My identity has been compromised. I was just made aware today when I received a letter in the mail confirming my address change that I did not make. I live in Illinois where Ive lived for over 20 years. I have never lived in XXXX GA nor do I know anyone at that XXXX address. XXXX XXXX ( XXXX XXXX XXXX XXXX ) will not help me correct this issue. Someone not only updated the address but changed my phone number which has been XXXX for 15 yrs. they also change my email address and requested a new card. I'm not sure what is going on but I am in no way responsible for this account. Ive reached out multiple to times trying to get XXXX XXXX to understand that my identity is being used fraudulently.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

I have a PNC Bank virtual wallet checking account ending in XXXX. I scheduled external transfers to move the money out of this account to my XXXX XXXX  account. There are XXXX major issues : XXXX ) PNC has put the limits on external transfer- not good. 
XXXX ) Even when the transfer is done or failed- the status on PNC 's side is wrong. External transfers are unpredictable. When reached out to PNC- they have no way to cancel the transfers or help me.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My name is XXXX XXXX. I own XXXX XXXX XXXX company. I also own my home with SPS ( Select portfolio servicing ) Loan # XXXX In XXXX my company received forbearance from my banks regarding my mortgages on its commercial properties. I in turn gave my tenants six months of rent free months in order to ease the burden on their businesses.

The only business that refused my Forbearance request was SPS or Select Portfolio servicing. 

I began the RMA ( Request for Mortgage assistance ) in XXXX. They still have not reviewed. 

I have furnished them with - Mortgage statements - Mortgage verification letters - Bank Statements - Bank statements showing no deposits - Bank statements showing renters deposits - Leases on all the rental properties I own. 

I told SPS that I could not make a payment for 6 months and after those 6 months I would start making payments again as soon as I received income again. After 6 months I continued making payments again for the last 3 months. 

Despite this SPS send me no less then 2-3 letters every month threatening foreclosure, saying my account is in default and that they need more info. Every month I call speak with them on the phone and they explain what they need I prepare it and send it in. Then they say it's not enough. 

This is starting to seem like a predatory scheme where threatening and scaring me are the main job of the business as opposed to creating a healthy business environment. 

I have attached all the documentation asked for by SPS - Leases and renewals of tenants in XXXX Arizona # XXXX # XXXX & XXXX XXXX XXXX. 
- Most recent bank statements where rent was received ( highlighted and noted ) - A letter signed by myself of lack of income verification - XXXX, XXXX and XXXX tax returns - Mortgage verification for XXXX Arizona # XXXX # XXXX & XXXX XXXX. st - Mortgage statements for XXXX Arizona # XXXX # XXXX & XXXX XXXX XXXX. 



Thank you.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX
Consumer complaint received 2019-09-22
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: Experian Information Solutions Inc. (CA)

The business I was working for " XXXX XXXX XXXX XXXX '' purchased a property via XXXX XXXX. The business closed and XXXX incorrectly reported the file on my credit report. I filed a dispute with the credit bureau. They have yet to remove this information from my file. I also spoke with XXXX of XXXX who advised me that the information would be updated. However, there hasn't been any changes to my report after disputing it 5 times.