davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

Experian also have 3 inquiries that need to be removed. I have never authorized it nor did the creditor have permissible purpose. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. With that being said I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX XXXX inquired on XXXX XXXX, US SM BUS ADMIN ODA inquired on XXXX XXXX and US SM BUS ADMIN ODA inquired on XXXX XXXX to determine who requested this credit inquiry. 
If you find I was not the one who authorized this inquiry, I ask that it be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed to my mailing address XXXX XXXX XXXX XXXX XXXX, La XXXX If you find that I am in error, then please send me proof of this.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Lenox Financial Mortgage Corporation (CA)

I have been trying to refinance with Lenox Financial Mortgage company since last XXXX. They have been waiting to receive subordination approval from XXXX XXXXXXXX XXXX ( I have a HELOC with them ) for some time now. 

One XX/XX/21, my XXXX credit card reported credit inquiry activity. It sited the source as XXXX, the inquiry date as XX/XX/21 and the company XXXX/Lenox Financial Mortgage Co. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Lenox did not call me to tell me they needed to run credit again and never asked my permission or received my permission to run a credit inquiry. When I called XXXX XXXX at XXXX about the credit inquiry she told me that XXXX XXXX was supposed to call me to let me know that they needed to run credit again. When I asked XXXX he said " I'll go check. The credit report have references numbers and sometimes get re-issued. They might have pulled a new report instead of re-issuing by mistake '' Since then, XXXX XXXX has never followed up or called me back to explain why Lenox ran my credit with my consent.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MD)

On XX/XX/2019 I received a letter by mail from XXXX XXXX XXXX stating that my payment for XX/XX/2019 had not been received. I sent an email to XXXX by way of the Messaging center of their website asking why the payment shows as being received, but not posted. No reply was sent to me. On XX/XX/XXXX I called XXXX customer service line and spoke to someone about the payment and why it wasnt posted. It appears that the payment I sent in XXXX of 2019 at the new adjusted total of {$2300.00} was received on time. The issue happened when the payment I scheduled for XXXX though my online bill pay sent the previous amount of {$2200.00}. A difference of {$110.00} due to escrow adjustments. 

After several conversations with the customer service department I understand that XXXX XXXX policy is to post all funds that are short of the total amount in an unapplied funds account. They did not notify me of this process. The unfortunate result of this is that I did not know that the payment was short, or even that the payment was not posted. I had XXXX indication of the issue. It was stated to me that XXXX had tried to call me multiple times to notify me of the late payment as early as XX/XX/XXXX, however that isn't true. I never spoke to anyone or had a message from them. XXXX has my correct phone number on file and routinely calls this phone number to ask me about refinancing. I was told by the Customer Service supervisor that they were not allowed to call my number, but that does not align with the fact that XXXX has called me dozens of times for refinancing offers including the call I received on XX/XX/2019 about refinancing. The unfortunate result of all of this is that my payment was not posted and paid until XX/XX/XXXX. The customer service team waived all the fees after reviewing my nearly XXXX history of on time payments and understanding the results of all of the unfortunate delays. 

My credit score is XXXX. Payments are never sent late to anyone ever. The posting of a late payment by Caliber Home Loans has left a significant impact on my clean credit. It was a series of unfortunate events that pushed my payments just past the XXXX period. In speaking to the Customer Service team, and the Supervisor, they told me that my only option was to send a letter to the Caliber Home Loans Credit Department by mail and ask for your help and review of the issue. I asked for their help in erasing this late payment. Review my history with the Caliber Home Loans, the calls and immediate action I took when I received the notice. 

The send me a letter on XX/XX/2019 and refused to make any changes. This has left a significant blemish on my credit score that I would like to have removed. It is impacting my ability to get the very best rate on a refinance. 

Thank you,
Consumer complaint received 2021-03-31
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. (TX)

An unverified and inaccurate account was placed on my Experian credit report. I have no account with the collection agency that is collecting on This account. This is against the FTC codes and against my rights. Please remove off my account or I will file for litigation. Please remove XXXX XXXX XXXX off my account.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One Account # XXXX opened on XX/XX/XXXX is listed as current when it is closed and it is also listed as legally paid in full for less than the full balance, when in XXXX of XXXX I paid off and closed the account with a promise that the account would be deleted. The account was deleted until I applied and was approved for a card on XXXX XXXX XXXX. I applied for a card with Capital One knowing I was in good standing. So after a year and a half Capital One decide to put this negative account on my credit report for some unknown reason. Im asking that this info be corrected.
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

Received a letter from a Law Firm : XXXX, XXXX XXXX XXXX XXXX Midland Funding LLC. stating a debt was owed. I sent a letter to the law firm requesting proof that the debt was indeed mine. All that was sent was a judgment that was filed in court. Nothing was submitted proving that debt is indeed mine from either party such as a signed contract. 

Upon further research, I see this debt recovery was initiated in 2011, in which there was never any communication. I request the necessary information be provided proving that this debt belongs to me.
Consumer complaint received 2021-03-31
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. (CA)

There are 4 accounts on my credit report that are not mine and a bankruptcy that are not mine they do not belong to me I have not applied for these used this or even applied for this. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XX/XX/XXXX I logged in to Transunion ( along with the other 2 major credit bureaus ) to temporarily unfreeze my credit so that my financial institution could run a credit check. As part of their identity verification process to allow me access to my account they required a credit card number input, so I did so. The only thing I did with any intention was to schedule a credit thaw and freeze. However, I was reviewing my credit card bill from last month and saw a charge from Transunion for {$24.00} on XX/XX/XXXX and then saw there was also one from XX/XX/XXXX, the same day I scheduled the credit freeze and thaw. I immediately called Transunion and as soon as I told the person on the phone that I was charged for a service I never requested he transferred me to a supervisor. The supervisor repeatedly refused to refund me any money, only offering to cancel the service. After arguing with him for several minutes I asked him to look up my account activitiy and he said that he saw that I " signed up '' for " credit monitoring services '' on the same day I scheduled the unfreeze. He also told me that there is a completely separate form to fill out for the " credit monitoring services '' but if I filled something out then it was purposely intended to appear as part of the credit unfreeze process. Also, I never saw any billing page, or anything about $ XXXX/month. I really don't know exactly how they tricked me into this, but this sure seems like a dishonest -- at best -- practice. I didn't wish to purchase any service at all, only to unfreeze my credit for a credit check and I want the total of {$49.00} that I paid refunded.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have pleaded to capital one to remove the most recent XXXX missed payment reports on my credit. I am currently going through financial hardship waiting for unemployment which has yet to approve. I recently paid off the card and has been making sure it stays in the positive. I have been a good customer.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

In late XX/XX/XXXX, I was sent home due to being high risk among this COVID-19 Pandemic. I called Shellpoint Mortgage Servicing and I was placed on a XXXX XXXX. I made several calls to them XXXX. Each time, I was told that I was on a XXXX XXXX. On XX/XX/XXXX, I called Shellpoint Mortgage Servicing about a payment that I was able to make online via their website. They NEVER applied this payment to my account. They HELD it. On the payment history page it clearly states " unapplied payment. '' During this XXXX XXXX, Loan Officer XXXX XXXX stated, " For your XX/XX/XXXX payment, send {$820.00} plus {$120.00}. In addition, she stated that my missed payments have been added to the end of my loan. Then on XX/XX/XXXX when I logged into their website, I did not have access to make a payment. It stated, " This loan has a legal status preventing online payments. '' I repeatedly called Shellpoint Mortgage Servicing and XXXX XXXX during the month of XXXX XXXX I call once a week, sometimes twice a week ). She now denies making the XXXX payment arrangement with me. She has refused to extend XXXX XXXX on my account. XXXX XXXX also tells me that I do not qualify for a XXXX XXXX. As of XX/XX/XXXX, Shellpoint Mortgage Servicing website, on my account, clearly states that " you are on a forbearance plan ... '' On XX/XX/XXXX, I called XXXX XXXX XXXX, to Request a Reinstatement quote. I was told it would take XXXX business day. 

On XX/XX/XXXX, I called Shellpoint Mortgage Servicing, I spoke to XXXX XXXX and XXXX XXXX. XXXX XXXX said that she did not see a XXXX a Reinstatement quote. She said it would take days. XXXX XXXX stated an amount of {$7600.00} plus {$820.00} must be paid. I said that I didn't have that kind of money. Again I stated that I was on a forbearance plan. She said, " No you're not. '' A few days later, I called again, now XXXX XXXX gave me an amount of {$8900.00} must be paid by XX/XX/XXXX. Must be wired. She firmly told me, " Do NOT send money, it will NOT be accepted. It must be wired to XXXX XXXX. '' She provided my with the XXXX and Account numbers. 

On XX/XX/XXXX, I called XXXX XXXX XXXX, spoke to Lai'nae and XXXX XXXX XXXX XXXX about this entire matter as mentioned above with Shellpoint Mortgage Servicing. And to discuss the letter that I just received from XXXX XXXX XXXX that states my home will be put up for sale on XX/XX/XXXX. 

I also informed XXXX XXXX that I had the house appraised in XXXX and surveyed. Just found out last week, that the Deed is incorrect. The house is not XXXX XXXX lot, it was built across XXXX lots. The Deed needs to be corrected. I'm also looking into refinancing the house through my credit union. The family who sold me the XXXX lots must re-sign documents in order to correct the Deed of the XXXX XXXX.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

On XX/XX/XXXX there was an unauthorized charge of {$490.00} on my Bank of America account. I immediately called the merchant and they told me that the charge was from a previous finance charge I never paid from XXXX. However it wasnt from my account it was from a different account that someone had apparently used my name. They refused to help so I called BOA and they said I had to wait for charge to clear before I could dispute. I waited and on XX/XX/XXXX it cleared and the merchant was somehow able to charge another {$490.00} which put my balance at over XXXX dollars, my direct deposit the following day out my balance at a few dollars. Bank of America wont give me a provisional credit even tho I have all the evidence in the world the charges were not authorized and were fraud. XXXX informed me that they have 10 days to give me the credit but when I asked a boa customer service she informed me that they didnt have to give me a credit at all. Then on XXXX the XXXX both of my claims were closed due to duplicates even tho they werent duplicates they were two different charges. But it now says my claim wasnt initiated til XXXX the XXXX. Which I guess gives them another 10 days. I cant wait that long. Im about to lose my apartment, I havent been able to buy groceries and Ive been surviving off co workers and friends loaning me small amounts of cash. I dont see why Im being denied provisional credit.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-04-01
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. (AL)

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified and inaccurate accounts :XX/XX/XXXX -- XXXX premier -- XXXX. 
XX/XX/XXXX -- XXXXXX/XX/XXXX -- XXXX bank -- XXXX/ Today card -- XXXX XXX. In these two months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NJ)

XXXX of my accounts with the student loan servicer, Nelnet, is incorrectly reported on my credit reports. Between XX/XX/XXXX to XX/XX/XXXX, these accounts are listed as 90 days or 120 days late on my credit report ; meanwhile they should have been in deferment. Ive filed a claim with the servicer in XXXX and XXXX. On XX/XX/XXXX and XX/XX/XXXX, they determined that the information will remain the same, even though it is inaccurate. They also failed to provide evidence that proves or substantiates the inaccuracies, or any copies of the documents they used in their investigation. For the third attempt, I have sent them a notarized letter on XX/XX/XXXX listing all accounts that were affected, with a copy of my credit reports from the three bureaus.
Consumer complaint received 2021-11-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (CO)

To Whom It May Concern, On XX/XX/2021, an automatic scheduled payment to Volkswagen Credit XXXX. was debited from my bank account. I didn't realize another unauthorized charge had already occurred, rendering my account {$40.00} short of the full VW Credit lease payment amount for that month. Though I made the deposit in time, the automatic payment was ultimately returned on XX/XX/2021. 

On XX/XX/2021 I logged onto my VW Credit account and scheduled a one-time payment to satisfy my XXXX payment, which finally cleared my bank account on XX/XX/2021. After observing the debit from my bank account, I thought everything had been taken care of and didn't feel it was necessary to contact VW Credit. 

On XX/XX/2021 I received an alert from my bank that another attempt was being made to debit my monthly lease payment for XXXX by Volkswagen Credit. Since the payment was already satisfied on XX/XX/XXXX, this additional ACH authorization put my bank account at a pending negative balance. I immediately contacted the customer service line for VW Credit XXXX and was told by their support specialist that they couldn't stop this additional ACH authorization, even though my XXXX payment was already satisfied. 

I then asked to speak to a manager who informed me that their hands were indeed tied and I'd have to contact my bank to place a stop payment. I even uploaded an official letter addressed to VW Credit, stating that I was revoking authorization for an ACH debit from my account. The manager at VW Credit again stated that even though they could see that my XXXX payment had been satisfied, they were without the ability to do anything about this transaction and couldn't guarantee that this automatic payment wouldn't be attempted a XXXX time at a future date. 

Since neither the specialist nor manager from VW Credit could assist me, I asked to have the contact information for their executive office, so that I may file an official complaint. The manager refused to provide this information to me, stating that they would provide their corporate office with my information and that I would be contacted within XXXX to XXXX business hours. So, in the meantime, though I did my best to ensure my XXXX payment was provided to VW Credit, I'm now left without any available funds in my bank account, due to their inability to cancel a pending automatic payment.
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On or about XX/XX/XXXX, {$520.00} XXXX report to the three major the 3 major credit bureau on behalf of XXXX XXXX third party company that purchase this account that was closed out on behalf of identity theft. XXXX without given me the rights or sending letters as to notify of the debt and the rights to dispute the debt proceed to report info to the bureaus without my given rights under the fair debt collection laws no one, the agency deceived the bureaus by first claims reporting was due to natural disaster. I have never received any documents to validate or given info to dispute. I however, can valid proof that the reporting is not mine. I have never had XXXX XXXX and Now, XXXX is report that it was open in XXXX in attempts to hurt my good credit. XXXX on XX/XX/XXXX told me it would be remove from my credit report and sent back to the third party agency which, XXXX refused to give me a name or address to file legal actions against both XXXX and the third party. XXXX told me it would be removed from the credit report however, XXXX  has update the info to reflect that it was open in XX/XX/XXXX and I have services with XXXX XXXX and it can be verified. No to mention, it shows it will remain on my credit until XXXX. I have never received anything from XXXX and will be obtaining an Debt Attorney licensed under the Federal Trade Commission to handle it this is not removed from all three credit reports. I have supplied Identity fraud info and XXXX is Transunion which the company has stated info was received.
Consumer complaint received 2021-03-31
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. (NC)

I received a copy of my Credit Report in XX/XX/XXXX Upon reviewing the information I requested EACH Lender/Account BELOW to be verified as well the Validation of Debt Or Delete this Account from my Credit Profile. 

I have sent letters to ALL ( 3 ) Bureau 's XXXX & XX/XX/XXXX in regards to removing or verifying the Account or Debt. 

As of TODAY XX/XX/XXXX ( 6 ) Accounts Remain on my Credit Profile out of ( 15 ).

Approaching my 4th & hopefully FINAL letter that I will be sending out. 

My hopes are that the accounts are removed ALL 6-15 Accounts that are remaining on my Credit Profile. 

If the accounts can't be verified it should be removed immediately. 

I did also send out Goodwill Forgiveness Letters to inform them that I am on Dissability My Doctor wrote me out of work in XX/XX/XXXX due to the Coronavirus Pandemic cases are rising not safe for me to be out in public risking my health I have an Auto immune Deficiency XXXX XXXX XXXX I can provide that documentation from the doctor as well.
Consumer complaint received 2021-03-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

Contact was made with AD ASTRA RECOVERY SERVICES through XXXX XXXX initially on XX/XX/2021 to dispute {$300.00} collection notice. 

No handwritten signature was provided as evidence despite it being known that I am a victim of identity theft.