davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
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. (VA)

The following information is on my credit report with TransUnion as a " hard inquiry ''. I have tried several times to get them to remove it. 

Name Requested On XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual TransUnion directs me to write the following address to have my information removed. 

po box XXXX XXXX, PA XXXX, please make sure you include your name, address the last four digits of your social security number and your file number. 

The credit card company is not aware of this address. 


Can you please direct TransUnion to remove this hard inquiry, and XXXX XXXX XXXX XXXX XXXX to tell TransUnion to remove this hard inquiry. XXXX XXXX apparently has only one person that works for the entire company.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Speaking of my experience with Bank of America. BofA 's Automated system ( not sure about other banks ) allows unauthorized access to another person 's banking and credit card balances, their list of expenditures and deposits by using that persons Social Security Number. An unauthorized user ( ex spouse, PI, criminal, anyone ) can access balance information as long as they are using the automated system only. Speaking with to a live person at the bank or by calling customer service prevents this as a two feature authentication may be requested and employed. Bank of America curently does not have an avenue to prevent this type of breach in security. A two factor security authentication feature is not available and does not have to be used with the automated system if you have a social security number.
Consumer complaint received 2022-01-05
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)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XXXX XXXX, 2018. The bureaus reporting is Experian, XXXX, and XXXX. Thank you!
Consumer complaint received 2021-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX, XXXX XXXX, FL XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX Account number XXXX with a balance of {$1400.00} and another alleged account {$200.00} is inaccurate. I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Consumer complaint received 2022-01-05
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)

The Following accounts have been disputed several time through out 2021 last disputed XX/XX/2021. The accounts were marked as verified. However the information his not accurate, complete or even update. None of the information is the same across any of the XXXX credit bureaus XXXX XXXX XXXX XXXX date is wrong, payment history is wrong, missing data for several different months, but then reports again. 
XXXX Co XXXX XXXX there are XXXX different accounts listed for XXXX and XXXX I have called the courts, spoke with a judge. They agree that this should not be listed in my credit report. My oldest son is XXXX however there is not 9 years of payment history. 
The monthly amounts are not correct, The status dates are not consistent, Payment history is in accurate and incomplete. XXXX shows collection out of the blue with no prior payment history. 
XXXX XXXX XXXX Status updated is wrong and inconsistent, payment history is inaccurate/incomplete, no consumer statement that it was disputed
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (IN)

I leased a XXXX XXXX XXXX in XXXX of XXXX. I always made my payments on time throughout my lease. I traded my jeep in for another vehicle around end of XX/XX/XXXX. They received a check for balance of my loan and they received the title on or around XX/XX/XXXX. Since then, they have had my account as past due. I have contacted them several times, as I didn't want anything on my credit report. They stated that they had the check and it was pending and they shouldn't have anything on my credit report. I recently looked at my credit report, and there was a " 30 day late payment '' on my report from them, in which my credit score dropped over 30 points. I contacted them and they put my complaint through accounting. They told me to give them 5 to 7 business days so they can take care of it. This was on XXXX XXXX. I checked my credit report on XX/XX/XXXX, and the derogatory mark was still on my credit report. I called them again, and they informed me that they didn't report it as late payment. They told me my account was cleared and they reported " on time payment ". I asked them to remove that credit reporting error, and they informed me that they couldn't.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

during covid 19 i had late payments on two accounts XXXX  and XXXX  account i actually signed up for the payments to be pushed to the end and i have provided paperwork showing that the payments was pushed back. Also a bill was passed that protects our credit during that unexpected time. i sent letters over two months ago i have all of my paper train and letters and dates they was sent. they have not sent me anything
Consumer complaint received 2021-09-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (CA)

I fell behind on my Ashley/Synchrony ( The Bank ) Credit Card payment , resulting from a job loss on XX/XX/XXXX. However, during the entire pandemic, while jobless, I managed to maintain minimum payments until about three months ago. 

On or around XX/XX/XXXX, there was a gap in my EDD UI benefits which impacted several bills. Federal UI benefits ended on XX/XX/XXXX. I continue to experience hardship and have not reestablished full-time employment. Instead, I am working gig jobs to stay afloat. Still, I raised {$200.00} making a payment to the bank in hopes that they would understand the hardship and accept the payment in full, and stop adverse reporting to the CRA 's. 

Instead, the bank insists that I need to make another payment of {$120.00} to bring the account to current. My regular monthly payments were {$59.00}. The account is non-interest-bearing because of a promotion for 0 % interest for six years from purchase. Before the pandemic, I was paying, in some cases, triple the minimum due amount. The bank was kind enough to remove two late fees totaling {$80.00}. 

Finally, on XX/XX/XXXX, on a recorded line, the account manager said, " if I [ did not ] make a payment of {$120.00} by XX/XX/XXXX, late fees and adverse reporting [ would ] continue. ' The manager said that collection calls would also resume. 

The bank offered a hardship plan. The new terms reduced monthly payments, provided 0 % interest, and stopped late fees. Still, my account would not be current until I paid {$120.00} more. Despite a hardship plan, adverse reporting would continue. My good faith attempt was not enough ; the bank demanded more money to stop harmful actions with my credit. 

I want to add that the first representative I spoke with also crossed a line. He asked if I was calling about another account. I told him that I called the phone number on the statement associated with Ashley/Synchrony . At the end of the call, he stated, " what about your other accounts? they need attention too. '' I am not sure why he felt the need to intimidate me into discussing other accounts. Previous agents said that each card had different numbers to call.
Consumer complaint received 2021-09-20
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: Experian Information Solutions Inc. (MD)

There are numerous inaccuracies on my Experian Credit report, that I have brought to Experian 's attention and they had failed to fix the issues. 

There is a collection account that should have been removed as I never had any business relationship, account setup, or payment arrangements with the company. My account was handled directly with the creditor without the involvement of any collection agency. 

XXXX XXXX XXXX is reported as a Hard Inquiry on my credit report ; this company is a collection agency- that is being incorrectly reported, as a lender who accessed my credit report for an installment loan or new bank account inquiry. I have never applied for any loan or bank account with this company and never given this company permission to use my personal information to obtain my credit report. 

There is a business account from XXXX XXXX that should not be on my personal credit report. I have disputed this account numerous times, the other credit bureaus have removed the business account from my credit reports, Experian has failed to remove this account and continuously avoids correcting any inaccuracies.
Consumer complaint received 2022-01-14
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (FL)

I have called MoneyLion on XXXX to close and removed an account off my credit, they promised me Im XX/XX/XXXX they would close but still did not. It was reported XX/XX/XXXX to all credit reports even after I was on a recorded lion stating that they would close it and bring balance back down to XXXX $
Consumer complaint received 2022-01-15
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 (PA)

I contacted Capital One in XX/XX/XXXX when I noted that I was a victim of identity theft based on a hard inquiry on my credit report that I did not initiate. During this communication, they indicated that it was marked as fraud. Once it was marked as fraud they told me it would be removed from my credit report without any further action. 

Today, XX/XX/XXXX, I noted that this hard inquiry remained. I contacted Capital one again and after speaking with a CSR, a XXXX specialist, and a supervisor, I was told that they would not be taking care of it, they marked it as fraud, and in order for me to get it removed I was required to send them a letter containing my name, address, telephone number, FULL SOCIAL SECURITY NUMBER, and a copy of my credit report. I reminded them that I was just a victim of identity theft and was not comfortable sending this amount of confidential information in writing and potentially expose my self to identity theft again. I offered to submit and online request or to send a letter without this type of confidential information. The supervisor, XXXX, informed me that there were not other options and if I wanted this corrected I would be required to send this confidential information how they requested. 

It is not appropriate to require a victim of identity theft to send this type of confidential information by main in order to rectify identity theft. This needs to be resolved internally by Capital One as promised.
Consumer complaint received 2022-01-14
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. (NC)

i had my wallet stolen out my car and filed a police report for identity and theft i submited the police report and its still on my credit report and i dint authorize these those negtive items on my file please help
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

XX/XX/XXXX a random person opened a cable account in my name fraudulently at XXXX XXXX in XXXX XXXX somewhere I have never lived in my life had it set to be installed on XX/XX/XXXX and was in service until XX/XX/XXXX leaving the accountwith XXXX in charges. I only recently received this information through my credit report in XX/XX/XXXX and have been stonewalled since, but because a young man at XXXX was kind enough to actually give me some tiny bit of information I can finally have this taken care of. I have been trying with no success for multiple months to get this resolved. The collection agency Covergent Outsourcing has been harassing me flagging my credit constantly causing over 100 point drop in my credit and was refusing to give me any information once I stated I was going to file a police report. I have attached the approved police report. I was XXXX  during the interim of this incident and have provided docs as proof. Thank you for your time in this matter. This collection agency Convergent Outsourcing has done nothing to help alleviate the distress caused by this identity theft I am dealing with. I have basically given up hope that this identity theft will be removed from my credit record due to how aggressively this company tries to collect unwarranted debts.
Consumer complaint received 2021-09-20
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. (NY)

hello i sent a dispute over 45 days ago still no response it currently states that i have missed payments for my XXXX XXXXXXXX  witch is incorrect there should be no late payments
Consumer complaint received 2022-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

XX/XX/XXXX, I again contacted PHH Mortgage after they did not call me back within 48 hours as promised during the hour and a half phone call with them on XX/XX/XXXX. Many times during the phone calls I requested of them to accept my XX/XX/XXXX mortgage payment. They kept refusing to accept my XX/XX/XXXX mortgage payment and demanded that I must first pay in full the deferred amounts under the forbearance plan. As shown on the PHH Mortgage website, they will CALL me before the end of the forbearance plan to discuss all options. My forbearance plan ended XXXX XX/XX/XXXX as agreed by PHH Mortgage and myself. They never called me and they now refuse the forbearance amount being placed onto the end of the loan as they previously agreed to. 
During todays phone call I asked a question I already knew, Who Backs My Mortgage. After demanding the proper answer, I was informed my mortgage is backed by XXXX XXXX. I was then informed ; Our investors are not approving your forbearance amount to be placed onto the end of the loan. XXXX XXXX website in big bold letters says ; You dont have to repay the forbearance amount all at once upon completion of your forbearance plan : Get the facts. This matter is extremely important and urgent because of the false information PHH Mortgage is tell the American people. This is nothing but a unlawful money grab taking advantage of XXXX XXXXXXXX and others who have extensive equity who may not be able to defend themselves from the unlawful acts being committed by PHH Mortgage.
Consumer complaint received 2022-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (NY)

I bought a car from XXXX in XXXX of XXXX. I made a downpayment of {$9900.00} and financed the rest of the costs. 
On XX/XX/XXXX I signed a contract with XXXX setting up auto pay on the loan. I have included the entire contract, attached here. The relevant pages are XXXX and XXXX. 
On XX/XX/XXXX I received a confirmation from Bridgecrest, stating that the auto payment was set up. The email is titled " Enrollment in Bridgecrest Autopay. '' It was sent by Bridgecrest customer service. I have included a copy of the email, attached here.

That's the last I heard from Bridgecrest. I see now that they never deducted any money from my account. They say they sent me emails regarding payments past due, but I did not receive them. Perhaps they went to my spam folder. 

On XX/XX/XXXX, Bridgecrest repossessed my car. They towed it off my street. I was stunned. I thought the car was stolen. I have a near perfect credit score. I've never missed a payment on anything. 

I've spent hours since trying to sort it out. First with the police, then with XXXX and Bridgecrest. Bridgecrest blames XXXX and XXXX blames Bridecrest.

I would like Bridgecrest/Carvana to repair the damage done to my credit. I would like Bridgecrest/Carvana to contact all the relevant credit companies and to send me copies of letters sent. I would like the fees and fines I paid to Bridgecrest refunded to me. Additionally, I would like to be reimbursed for my time and travel. 
I had to travel from my apartment in XXXX to XXXX NY to retrieve my car. It took all day. 

My credit score, which was XXXX, is now XXXX. XXXX and Bridgecrest 's mistake could impact me for the rest of my life.
Consumer complaint received 2022-08-12
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)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.