davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I applied for mortgage assistance with XXXX on XX/XX/XXXX. During that time, I sent all of the needed information to XXXX and was told that during the modification process I would not have to pay mortgage and that it would not be reported to the credit bureau, but ultimately it was reported, and I was denied mortgage assistance because my ex-husband did not send in HIS paperwork, which I was not aware of. I called XXXX at least twice a week and would speak to someone different in the modifications department every time. I would get contradicting answers as to what was needed on my behalf. One week I would call and be told that all is good, we have everything needed. The next week would be a completely different response. I was told multiple times that the person in charge of my modification, XXXX XXXX, would call me back to discuss everything with me, but he never called me. I was the one calling XXXX every week, I don't recall anyone calling me. 

Today, XX/XX/XXXX at XXXX XXXX, I called XXXX and spoke to XXXX and let him know my situation. I told him that I was wanting to see if there was any way that I can get the derogatory marks off of my credit since I did pay the past due amount ( s ) that were owed ( {$4500.00} ) between XX/XX/XXXX and XX/XX/XXXX. He told me several times that he did not see that I paid the above amount, so we went back and forth a couple of times and I told him that I am seeing that amount taken out of my account on the dates above ( XX/XX/XXXX, XX/XX/XXXX ). I then asked to speak to a supervisor and was transferred. I let the supervisor ( I can not remember his name ) know my situation and he told me that I was correct and that I did not need to make monthly payments due because I was going through the modification process. He also stated that the that derogatory marks should not have been sent to the credit bureau. He told me that he was filing a complaint against the modifications department at XXXX for their inconsistencies and then he told me that in order to help get the derogatory remarks removed, that I needed to contact the CFPB and file a complaint against XXXX.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion is causing me DEFAMATION OF CHARACTER reporting false information on my consumer report defaming my character and also violating the FAIR CREDIT REPORTING ACT by failing to Remove the fraudulent inquiries in which I havent gave my written instructions meaning theres NO PERMISSIBLE PURPOSE which is violating 15 USC 1681b .. You are obligated to report maximum accuracy information as the banking system is dependent upon it!! The CFPB REPORT states your company is cutting corners and not abiding by the law for you profiting benefits in which you fail to abide by FEDERAL LAW IN WHICH YOUR REQUIRED!!
Consumer complaint received 2023-01-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I spoke to my car loan company XXXX XXXX XXXX and it was confirmed on the phone i never had any late payments however on my credit report my car loan is reflecting as paid 60 days late for the months of XXXX and XX/XX/2021 which is incorrect. I'd like this account updated to 'paid as agreed ' or 'never late '.
Consumer complaint received 2023-01-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I have a medical debt that is XXXX and all XXXX  credit reporting agencies Equifax, XXXX and XXXX all stated and show on their websites that medical debt under {$500.00} will no longer be reported yet they will not delete this bill that is in collection and under XXXX as of XX/XX/XXXX XXXXThey all state this debt shouldn't be reported after XX/XX/XXXX XXXX
Consumer complaint received 2023-01-11
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: BMW Financial Services NA, LLC (NV)

I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. 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 BMW FIN 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 BMW FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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: MicroBilt / PRBC (formerly CL Verify) (NV)

I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MICROBILT 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 2023-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (CT)

To whom this concerns, My name is XXXX XXXX. I am looking to file a dispute with you for a transaction that was filed threw the XXXX app. The dispute case number is XXXX. This first charge was charging me XXXX threw XXXX for bit coin and on this email that was sent to me was a number that you use to call to let them know that this transaction was not you. When calling that number, they stated that they want to have transfer money to my partner. This transaction was for the sum of {$4.00} and some change. I will be sending this information to you XXXX XXXX and XXXX. While on this call with this so-called representative my partner came home to help try to resolve this and he noticed that there where calls that where ringing in the call as well. When my partner spoke up and questioned why he hears ringing in this call the rep stated that there are other people here that are working with other customers. This went on for awhile and then my partner began to question this person that I was dealing with. We began to check the accounts and it did go through. The rep began to say that nothing will happen to your account, and you will be getting all your money back. He wanted to have us use the XXXX and XXXX app and then began to say that he wants to purchase an XXXX e-gift card for the sum of {$1.00}. Upon this request my partner had thought about this and said to me this is not right. Also, the agent was also asked how is the agent a certified rep from XXXX? The rep stated that he was and now he is using an offline server where the account will be safe. After two and a half hours he hung up and nothing was resolved Attached with this letter is the screen shot of the response from XXXX and the direct text message that was sent to my phone that claiming that this person was working from XXXX and the invoice from XXXX XXXX a suppose representative from XXXX XXXX. Plus, a police report will be corresponding to this as well from XXXX XXXX Police Department. There were no other benefits from me loosing out on the hard-earned money that worked for and now that I am out of this money from this scam ; this has caused many financial issues for me. I did not benefit from any of the actions from XXXX or even gained any financial stability. Once this police report is filed I will submit the report to the bank to help resolve the matter. If there is any other information that you need, please feel free to call me or reach out by email. 


Thank you for your time. And I hope to speak with you. 
XXXX XXXX Email Address : XXXX XXXX
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (TX)

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Convergent Outsourcing is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Convergent Outsourcing has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Moreover, Convergent Outsourcing, has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very concise as to the Civil liability and the remedy available to individuals ( Section 616 & 617 ) if companies fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2023-01-11
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. (IL)

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. 

Account name 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 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 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (CA)

My complaint is regarding Comenity Capital Bank 's dysfunctional website and their horrible customer service or lack thereof pertaining to the XXXX XXXX XXXX Credit Card. I have contacted them several times by telephone and secure messaging in an attempt to resolve the problem without success. The credit card account was converted from XXXX XXXXXXXX XXXX to Comenity Capital Bank in XXXX of 2022. Since that time I have been trying to redeem my rewards balance of {$20.00} for a direct deposit to my checking account using the online redemption function but it is totally dysfunctional. Since the function is not working I have requested them to send me a paper check and they never responded to that request. 

I would like to add that I am not the only holder of this particular credit card that has issues with this bank. I have seen complaints posted on an online complaint board website. So, this is not an isolated incident.
Consumer complaint received 2023-01-11
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: SANTANDER HOLDINGS USA, INC. (MI)

XXXX I called XXXX XXXXXXXX as well as the creditor to have fraudulent inquiries removed from my XXXXXXXX XXXXXXXX report. And as of today XXXX they are still listed on my report.
Consumer complaint received 2023-01-11
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: WELLS FARGO & COMPANY (MI)

XXXX I called XXXX XXXXXXXX as well as the creditor to have fraudulent inquiries removed from my XXXX XXXXXXXX report. And as of today XXXX they are still listed on my report.
Consumer complaint received 2020-05-28
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. (NJ)

For the last few months I have been monitoring and working on my credit. I have been checking with Experian which is the agency that I have the issue with. For the last few months my score has slowly risen to a decent rating. Recently, I reduced all credit card usage to 0 % utilization and consolidated my student loans. My Experian score adjusted down 14 points as a result of this. My score was at a XXXX and then took a 14 point dive without any reason an or cause. There would be no reason for my score to decrease when I have actually decreased my overall debt obligations and have limited the amount of credit usage below the recommended 6 %. The other issue I have is with this agencies handling of accounts being added to reports from frivolous sources. I have been working hard to fix my credit. It just seems that Experian continues to try to keep consumer credit scores from hitting the " GOOD '' rating. My credit score should have hit the " GOOD '' range with this update, however, I take a credit score decrease after XXXX  off all balances, this makes no sense and it makes no sense how XXXX  and XXXX  have all updated with the same info and have placed my account into a good status. I have also tried to contact Experian by phone several times and at no point can I speak to a live agent. The line disconnects while you are on hold forcing you to start over.
Consumer complaint received 2020-05-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (CA)

Disputed Collection After was paid in FULL. It Came OFF My report. Two Weeks later SAME COLLECTION Was reported as UNPAID. Disputed AGIAN, Collection agency reported as Collection UNPAID AGIAN. Tried to Contact Company and I can NOT Get a hold of Anyone from this company
Consumer complaint received 2022-07-15
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. (AZ)

CREDIT REPORTING AGENCY DISPUTE - I've disputed an account on my credit report for proof of ownership with the XXXX and Equifax and every time they come back VERIFIED! with no explanation of WHO they spoke to, and WHAT method they took to obtain verification ( Method of Verification ). They've ever only updated the balance on the account every single dispute i send out. 

DEBT COLLECTOR ( XXXX  XXXX ) - I've sent out a debt validation letter to XXXX  XXXX for proof of ownership on the debt of a credit card that XXXX XXXX claims is mine but their response to my debt validation letter was that they don't have a paper copy to send me of verifiable proof of an original consumer contract with my signature on it. After disputing the debt with the credit reporting agencies and the creditor ( XXXX  XXXX ) in cause of desperate measures to get this erroneous item off my credit report i decided to make arrangements to settle the debt with XXXX  XXXX. However when i attempted to make arrangements to make payment in immediate exchange for the " Original instrument of indebtedness in its original form. '' via certified mail to XXXX XXXX they didn't respond in a timely manner to settle this matter. I sent out a non response letter and they didn't respond to that either.
Consumer complaint received 2023-01-11
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. (CA)

Both the financial institution " XXXX XXXX '' and the Consumer Reporting Agencies involved, have violated my rights as a consumer under the US Code, Title 15 USC 1681b ( a ) ( 2 ). I have never given written consent for this information to be shared or furnished on any public domain. They have also violated my rights under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by publishing information regarding transactions between the consumer and the reporter. 
They have published an alleged late payment as XXXX days late in the month of XXXX, 2020. 
I have filed disputes directly with the CRAs and had no resolution. 
I have also called XXXX XXXX and spoken directly with a representative while still reaching no resolve. 
This information has repeatedly hindered my ability to operate in commerce.
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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. (CA)

The following accounts are incorrect, and adversely affecting my livelihood. XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AZ)

In XXXX of XXXX, I was approved for a loan mod with my servicer at the time, XXXX XXXX, and had to complete a 3 month XXXX, XXXX. I completed the trial plan on time. My loan had a mod start date of XX/XX/XXXX, however, my loan transferred servicers to Rushmore loan on XX/XX/XXXX. I did not receive my final loan documents from XXXX XXXX. I called my new servicer, Rushmore loan in XX/XX/XXXX to discuss that I have not received my final loan documents yet. They stated there is a delay due to the transfer of my loan and the documents will be sent out shortly. In XX/XX/XXXX, I called Rushmore and spoke with a rep that I have not received my loan documents still. The rep advised me that they are working on them. On XX/XX/XXXX, I received an email from Rushmore to view loan mod documents via a online site. I reviewed the documents, however the loan terms were not correct. I called Rushmore, escalated my call to supervisor, once I got in contact with a supervisor, I explained that the terms on the documents were incorrect. They advised me that they would review and get back to me. After a few weeks passed, I had not heard back regarding the matter. I called Rushmore in XXXX of XXXX, had my call escalated to a supervisor, and once I got in contact with a supervisor, I explained my situation with my loan mod. The supervisor stated that they would look into the matter and make any corrections if needed and requested I send rushmore my XXXX  letter. I did not hear back from Rushmore until XX/XX/XXXX, where I spoke to a rep. The rep stated that new documents had been created on XX/XX/XXXX, and the terms had been corrected. However, I stated that I was not aware of these new documents, I was not advised that new documents had been created, and that I did not receive any new documents. The rep advised they would mail me a set of the new documents. I received the corrected loan mod documents. I then called Rushmore to discuss the documents that I received, I spoke with a rep who advised me the loan had been denied and review closed. I never received a denial letter regarding this decision, and I was not given the proper time to review and return the documents before Rushmore improperly denied me. The documents were created on XX/XX/XXXX, never advised me of these documents, got sent to me more than 30 days later, and once received, I was denied my loan mod because I didn't return the documents back in time.The servicer was six months late with generating the correct documents to sign. I never received the documents in time and was denied because of this.