davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XX/XX/2018 I was notified by XXXX XXXX and XXXX XXXX that there was a hard pull of my credit report by XXXX XXXX, of my Trans Union Credit Report XXXX I contacted Trans Union and advised them of the incident and i put a cridit freeze on my account. Trans Union told me that I would have to deal directly with XXXX to have the hard inquiry removed from my account. 
I contacted XXXX fraud department. They advised me that they were unable to remove the hard inquiry from my credit report, that Trans -Union would have to contact them with a dispute filed by me. XXXX told me to contact CFPB to assist in resolving this issue. 
I have never had an account, nor have I ever done business with XXXX.
Consumer complaint received 2018-10-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mobiloans, LLC (MA)

Hello, I took out a payday loan from mobiloans in XX/XX/XXXX. I have always paid them on time at an outrageous interest rate. I found out in XX/XX/XXXX that the loan is illegal in my state of Massachusetts and I am only responsible for the principal amount which I have paid about triple that amount. I sent an email to the company letting them know the information I found out and they stopped taking the money from my checking account. Now I am trying to buy a house and they have reported to the credit Bureaus that I have on overdue balance of almost {$400.00}. I have asked them to fix the error to a {$0.00} balance and they refuse. I also disputed with credit reporting agency but keeps coming back as accurate. Technically they should owe me a refund of the amount over my principal amount but I am not asking for that, Only to remove or correct to a {$0.00} balance on my credit report.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for a Capital One 360 checking account and followed all directions to get the {$400.00} sign up bonus. The bonus was supposed to be paid on XX/XX/XXXX and when it was not, I called customer service and was told I did not enter the promo code. However, I entered the promo code XXXX and offered to send the proof I have that it was entered at opening. I opened the account on XX/XX/XXXX and I had to receive 2 direct deposits totaling {$1000.00} or more within 60 days of account opening. After this was completed the {$400.00} bonus would be paid by XX/XX/XXXX. I received direct deposits as follows : {$1100.00} on XX/XX/XXXX, then {$1000.00} on XX/XX/XXXX, then {$1000.00} on XX/XX/XXXX, then {$1000.00} on XX/XX/XXXX. I exceeded the requirements and still did not receive my bonus. I would not have opened the account if I were not going to receive the bonus, and I am 100 % sure I entered the promo code, I will attach the screenshot I have. I was referred by my husband and the exact same thing happened to him and I noticed numerous people online are in the same situation. This is fraud on Capital Ones part, or in the very least - false advertising. Please help me to make them responsible for falsely enticing customers to open an account and then not making good on their promises. I have a case open with them where they are making an exception, but can not guarantee anything and I do not have high hopes this will result in anything positive. Capital One says there is nothing else they can do. This is very frustrating, and makes it hard to trust a big financial institution. Thank you very much.
Consumer complaint received 2023-02-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, each credit bureau is reporting inaccuracies concerning this account which is illegal according to the consumer laws. 

They are reporting inaccuracies pertaining to the open dates. XXXX is reporting this account was opened on XX/XX/XXXX and Experian and XXXX is reporting XXXX  They are also reporting inaccuracies concerning the last active dates. XXXX is reporting XX/XX/XXXX, Experian XX/XX/XXXX and XXXX XX/XX/XXXX. Lastly, they are reporting different report dates. XXXX is reporting XX/XX/XXXX, Experian XX/XX/XXXX and XXXX XX/XX/XXXX. 

If each bureau gets their information from the same place, how is it that they are all reporting very different things? How is it that XXXX XXXX is validating this account as well as provides information concerning this debt to the consumer reporting agencies but allows them to report inaccuracies? How is it that each bureau is reporting different last reporting dates and i have been disputing this inaccurate account since XXXX of XXXX? That is illegal as that means that they have not been actively updating my reports and processing my disputes. Each bureau XXXX, Experian and XXXX has also received a copy of my FTC as well as identification documents detailing this debt does not belong to me. 

Each credit bureau as well as XXXX XXXX has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.
Consumer complaint received 2021-04-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (KS)

This is in response to a closed complaint which has NOT BEEN RESOLVED! The complaint ID is XXXX. The company has shorted me almost {$4000.00} on my mortgage payment but they don't think so although i have proof that their calculations are wrong. No one will call me back and will not look at the numbers to fix the problem. This company is stealing my money and won't get it fixed,.
Consumer complaint received 2022-06-30
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: HCFS Healthcare Financial Services of TeamHealth (TX)

ARS Account Resolution still have not provided any proof this debt of {$1200.00} is mine. Sending letters to me stating information is accurate does not constitute as proof. No signed documents. Nothing but take their word. This is a scam. Will proceed with litigation as debt is not mine.
Consumer complaint received 2022-04-22
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. (NM)

There are 2 hard inquires on my credit report. However, I was incarcerated during these times so I did not apply for any type of credit. I asked to dispute then and was told to contact the ftc.gov website. There were two collections for services received during my incarceration as well. All medical services are to be covered by the state. These should not be on my credit either. They removed one for {$61.00} but not the other.
Consumer complaint received 2020-05-05
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. (TX)

I reached out to all three major credit bureaus informing them of the errors that they are currently reporting. I am in the process of purchasing a home and was horrified to discover that my information merged with a former roomate. Although at a time we had the same mailing address, I NEVER WAS THE OWNER OF THESE ACCOUNTS. I need them removed immediately. They are causing me distress and impacting the quality of my life. The items that they have been put on notice to remove are as follows :
Consumer complaint received 2022-04-22
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. (NM)

There are 2 hard inquires on my credit report. However, I was incarcerated during these times so I did not apply for any type of credit. I asked to dispute then and was told to contact the ftc.gov website. There were two collections for services received during my incarceration as well. All medical services are to be covered by the state. These should not be on my credit either. They removed one for {$61.00} but not the other.
Consumer complaint received 2021-08-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

During the month of XXXX, I contacted all 3 credit bureaus to have this company remove this XXXX XXXX debt from my credit report because a Judge during my divorce settlement has confirmed that this debt is not my responsibility and has been determined to be the responsibility of my ex-spouse. This debt should not be on my credit report because it is not my responsibility to pay. However, this company still has this debt listen on my credit report and it should be removed as ordered it is not my responsibility by the judge in my divorce judgment.
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MD)

I received a letter back in XXXX stating that I had an escrow shortage of about {$1500.00}. Dovenmuehle stated that my mortgage payment would be increasing to cover the deficit. The year before ( 2019 ) I received a letter stating that I had an overage for the same amount. I did not receive a refund and when I asked Dovenmuehle about that they said that those overage funds wouldn't be given to me because I am in a chapter XXXX payment plan. I let it go at that point. I asked back in XXXX why my escrow has a shortage and why can't the overage funds be applied to the deficit? Why did I have an overage in the first place? I have called Dovenmuehle multiple times and also have sent emails along with a letter from my bankruptcy attorney and nothing. I have been promised a call back from and XXXX, XXXX XXXX ( sp ) whom is a supervisor and I still haven't heard anything and I sent an email to the research department that I received a receipt for but no response. I know by law they are to respond within 30 business days. It has been well over 90 business days at this point. I would like this matter resolved and my mortgage payment adjusted to the right amount. If they could audit my whole account including my payments from my trustee to make sure that they are properly being applied as well.
Consumer complaint received 2020-08-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have provided information to Experian multiple times proving that I do not owe XXXX XXXX  XXXX anything, and that they actually owed me money at the time I canceled my policy. The cancelation documents clearly state this. Therefore I don't know why experian refuses to remove this fraudulent report from my credit report.
Consumer complaint received 2024-12-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc. (IL)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MI)

On XX/XX/XXXX Wells Fargo Bank NA claimed in their final response that its affiliate appraiser XXXX XXXX whose license was revoked in XXXX, had a secondary appraiser support his fraudulent appraisal of my home. 

The address on the appraisal document was incorrect and never corrected and the homes the subject property was compared to was considerably larger. 

Wells Fargo requested that I allow them to " update the false information '' they repeatedly submitted to validate the current mortgage. I DO NOT AGREE to Wells Fargo request to alter or omit any more information from the loan origination documents it previously presented in its attempt to validate the current loan. 

Wells Fargo has committed mortgage fraud multiple times by knowingly submitting fraudulent documents with fabricated items over the course of 5 investigations in an XXXX attempt to validate the current mortgage loan which was the result of a misrepresented loan amount it knowingly purchased from XXXX XXXX A Division of XXXX XXXX XXXX in XXXX. 

Please note Wells Fargo omitted XXXX XXXX 's appraisal report in its latest revision of the loan origination documents submitted before the CFPB. Additionally, Wells Fargo never presented the second appraisal report that it mentioned. 

I am requesting Wells Fargo provide a copy of both appraisal reports before the CFPB. 

I am requesting Wells Fargo provide a notarized copy of the waiver it presented in its last response. 

I contend that without valid loan documents Wells Fargo is attempting to collect on a fraudulent mortgage loan. 



Thank You
Consumer complaint received 2021-05-06
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-06
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. (CA)

On XX/XX/2021, I have sent my first letter regarding invalid and unapproved things on my credit report. I have tried calling, sending a second letter on XX/XX/XXXX, as well as disputing items on the Equifax website. It has been over 60 days since submitting my first letter to Equifax and I have not received a response to my request to remove all invalid and unapproved items that are causing me stress, anxiety, and worry. I feel that Equifax has violated my rights according to 15 U.S.C. 1692g, U.S.C 1691e ( b ), 15 U.S.C. 1681. I would like Equifax to look into these items that are incorrectly showing on my created report as soon as possible. I am asking that these items be removed from my credit report as I will be seeking litigation to protect my rights. I would also like an updated copy of my credit report with the removed items to be mailed to my home address.
Consumer complaint received 2022-04-25
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: TRUIST FINANCIAL CORPORATION (UNITED STATES MINOR OUTLYING ISLANDS)

I had an account with Suntrust Bank an auto loan, i have had several over the years, i also had an Auto loan with BB & T. The closest Suntrust was over an hour away so i paid over the phone always, Suntrust and BB & T were both purchased by Truist, it took a year to merge completely, and i was able to make my payments over the phone until XXXX of this year my local BB & t would accept a payment for one loan but not the Suntrust, and the number would no longer work too make payments you would be put on hold for hours and then it would disconnect i was assured there would not be a problem since they were merging i paid the vehicle off finally in XXXX and i had a late payment placed on my credit for XXXX and XXXX even though it was paid off they did remove the XXXX payment but will not the XXXX you can not reach anyone by phone and if you do after hours on the phone they simply direct you back to the local bank i have never been late and never had issues until truist took over i was preapproved for a mortgage loan but now can not buy because of this late payment. I do not understand why they will not remove because it was their failed system this could stay on my report for 7 years and this is truly unfair when i can prove i never had late payment prior
Consumer complaint received 2021-04-30
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. (TX)

Experian is reporting false information about my accounts ; my payments and dates, and amount of my loans and credit. They are reporting my XXXX hasn't been paid since XX/XX/XXXX ; I am current and up to date with XXXX  and I have proof. And I would like to add XXXX more thing. XXXX doesn't report to Experian about my monthly payments. My XXXX bill is current and up to date I have proof. Experian is reporting i had not made a payment since XXXX XXXX. My XXXX card ; Experian is reporting that I have not made a payment since XX/XX/XXXX. And they claim I need to make 3 more payments before they can give me a boost in my credit. Which I have proof is current and up to date. Experian webpage reports my credit is XXXX however my XXXX XXXX is reporting XXXX. My XXXX XXXX is reporting XXXX and they are all getting their information on Experian and i Have proof. My XXXX XXXX account XXXX XXXX of {$17000.00} Experian is reporting it as {$18000.00}. They have inconsistent report of wrong information on my account. I would appreciate it if you could look into this for me and correct all the incorrect information they fail to accurately report which is affecting my score as a Consumer.
Consumer complaint received 2021-01-19
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-04-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONGRESS COLLECTION CORP (OH)

I reviewed my credit report and have discovered inaccurate personal information and several errors that must be immediately investigated., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX ( # XXXX, XXXX, XXXX XXXX XXXX ( # XXXX ), XXXX  XXXX  ( XXXX ), XXXX  XXXX  XXXX  ( # XXXX ), CONGRESS COLLECTION ( # XXXX ) to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me, but anything more than to XXXX XXXX ( # XXXX, XXXX, XXXX XXXX XXXX ( # XXXX ), XXXX  XXXX  ( XXXX ), XXXX XXXX XXXX ( # XXXX ), CONGRESS COLLECTION ( # XXXX ) is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt, and HIPPA authorization. I have asked for 1.Please provide breakdown of fees including any collection costs and medical charges, 2. Provide a copy of my signature with the provider of service to release.
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (OR)

I had a biz CC ( AMEX ) debt that I believe was written off by AMEX after we went to court in 2018. Lately the collection company XXXX XXXX XXXX XXXX has been calling me on my cell phone at various times of the day, usually before XXXX. I advised them that as this was a business debt they should call me at my store after XXXX PST. The call calls continued. 

I don't mind them calling as long as the hour is not too early according to my schedule ( not theirs ) and to my business phone number, not my cell number. 

I finally called them back, told them I thought the debt had been written off by AMEX and figured XXXX XXXX XXXX was fishing. AMEX has never tried to contact me by mail or phoe during the 2 years.I was turned over to XXXX XXXX. She (? ) was pleasant and cooperative and promised to resolve the phone number issue, etc. 

However, I still believe the debt was written off by AMEX, I paid taxes on the paid off amount, and believed the matter was settled, especially after 2 years. I'm not sure I should start paying this collector. 

Thanks for any assistance you can offer in resolving this matter.
Consumer complaint received 2023-02-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Someone else tried to open 3 credit cards so far and they are denied due to my credit score. I've reached out to banks and credit companies The banks are bank of america XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX