davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-27
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. (CA)

I HAVE TRIED TO DISPUTE CREDIT INQUIRY WITH TRANSUNION DO TO ME NOT APPLY FOR ANYTHING IN THE PAST, 2019 WAS THE FIRST YEAR I BEGGING RUNNING FOR INQUIRY. THEY HAVE NOT MADE ANY CHANGES, KNOW THAT I AM TRYING TO APPLY FOR DIFFERENT THIS IS HENDERING ME FOR FINANCES. I HAVE HAD TO PLACE IDENITY AND FRAUD ALERT ON MY ACCOUNT IN THE PAST 2 YEARS AND THEY HAVE HELP ME DUE TO ME BEING A VICTIM OF INQUIRY ON MY CREDIT
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

AmeriSave Mortgage Corporation NMLS ID # XXXX I began a mortgage refinance transaction with Amerisave XXXX XX/XX/2020. I provided all requested documentation and questions ( almost always within 24 hours ). By XXXX XXXX, I was frustrated with the pace of the process, complete lack of communication, and Amerisave 's inability to articulate the path to closing of the transaction. On XXXX XXXX I requested a closing date to be set by XXXX XXXX XXXX XXXX XXXX I requested the closing date. Again, on XXXX XXXX I requested the closing date or 'a concrete action plan to get us there '. On XXXX XXXX a request to digitally sign a closing disclosure was made and this was completed on XXXX XXXX XXXX XXXX XXXX @ XXXX EST, I requested a call to discuss the situation. On XXXX XXXX @ XXXX EST I requested a cancellation of the transaction, refund of the up-front payment of {$500.00}, and removal of my personal information from their systems. On XXXX XXXX I requested the refund again. On XXXX XXXX I received a response from XXXX XXXX acknowledging the cancellation and refund request and confirming he had 'processed ' it. As of XXXX XXXX, I have not received a refund and Amerisave representatives have ceased communication. 

I have email documentation of every stated date and action. 

My initial communications were were XXXX XXXX ( Loan Originator NMLS ID # XXXX ) and were entirely satisfactory. On or around XXXX XXXX, I was handed off to XXXX XXXX ( AmeriSave Mortgage Corporation NMLS ID # XXXX ) at which point communications repeatedly failed. XXXX XXXX ( Mortgage Sales Manager NMLS ID # XXXX ) was reported to me as XXXX XXXX XXXX manager.
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-05-27
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX
Consumer complaint received 2020-11-30
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2020-11-30
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2020-11-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRUIST FINANCIAL CORPORATION (OH)

In 2017, I had a car loan with Regional Acceptance Corporation, I actually got a little behind in my payments and I was receiving collection calls from their in house collections team. One day I received a call from my brothers number I went to answer the call and it was actually a rep from Regional Acceptance, it threw me off as again it was my brothers number, she started talking, as that was happening I called my brother because i through maybe they called him and he three way me into the call, I spoke with him and confirmed this did not happen, i went on to ask the rep how she contacted me with a different number the call was disconnected shortly after. I called back and spoke with a rep advised what happened she immediately got me to a supervisor, that supervisor apologized and advised what the employee did was use an app to call me and they don't tolerate and she took all my info and transferred to the VP of the call center. I sent them my XXXX phone bill and my brothers confirming he did not make a call to me but it was his number that indeed called. I went on to speak with both Regional VP and President of call center who apologized and advised this would not happen any more. I wanted to submit a complaint at that time and did not know what resources were readily available to me. Fast forward to today the loan has been cancelled and I received a 1099-C from the company they have forwarded to me in writing that they are no longer collecting and have written the debt off. I was advised this would no longer show on my credit report, fast forward now they claim they will not remove from my report for 7-10 years. I sent a complaint through XXXX XXXX XXXX and they sent a response advising they will update but not remove. This is negatively affecting my report as I try to move on with my life. I am constantly having to explain this debt and it just sounds like I am lying to other lenders. I am asking that this debt be removed as a courtesy from my report as regional has cancelled the debt. When I called they said they report to the credit bureaus each month and even though i don't owe to them any more they do not care to remove it will fall off in 7-10 years automatically. I also have submitted several disputes and they won't confirm to the credit bureaus they cancelled the debt so it can be removed.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to file a complaint against XXXX, XXXX, and TransUnion. I have sent 4 dispute letters ranging from XX/XX/XXXX to XX/XX/XXXX. I have mailed all letters by certified mail with confirmed received receipts but they have not provided what was requested. All 3 Bureaus were given more than enough time to validate these accounts. I am requesting all accounts below be removed from my credit report and all non-account holding inquiries over 30 days old. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ). The failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The following accounts needs to be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXXL XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX  XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account
Consumer complaint received 2020-12-07
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. (NV)

On XXXX I have sent letters to the three main credit bureaus XXXX, XXXX  and Experian. I have yet to provided proof of this negative items on my credit report. These issues has greatly cause me stress and anxiety. As a United States Veteran I should not have to go through a great or deal to have this falsely information reporting my credit causing me a great deal of suffering. I will be seeking litigation these items are greatly causing me harm and discomfort. They should be deleted or updated immediately.
Consumer complaint received 2020-12-07
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have had several issues with Capital One Auto billing over the past few years, this car has had some MAJOR mechanical issues which at this point has cost me tens or thousands of dollars just to keep the car on the road. I began reaching out to Capital one alerting them to the financial issues I was having regarding the repairs on the car and it not being able to pass emissions or get new tags in Colorado, i believe I began calling around XXXX of XXXX. At the time I was hoping for some sort of relief or help due to the thousands of dollars I was spending to keep the car on the road, at that point my loan was current and I was told that I cant get any loan assistance unless the loan was delinquent. I then had more financial stresses in XXXX of XXXX, and called back again because it made no sense that I couldn't get assistance unless I was delinquent, unfortunately I was told the same thing. In XXXX I was unable to make my payment as I planned, so I reached out again and was told that I needed to have more than one month delinquent in order to apply for assistance, BUT not to worry when I got the assistance approved then Capital One would remove the late payments the reported at this time. Well that never happened. I was able to get the loan current on my own several months later in XXXX. I again fell behind on payments in XXXX of XXXX due to having XXXX, and my father and mother both being XXXX and lots of unexpected expenses I called and worked out a modification in XXXX and yet again the payments were supposed to be added to the back end of my loan, but as I can see from my credit report they have not been and are severely damaging my credit. At this point I have been able to struggle and get the loan back current and I would love to refinance and get away from Capital one, yet I cant due to the lates they are incorrectly reporting. I have also disputed these late payments again but decided at this point to reach out to the CFPB because frankly I feel like I get told what I want to hear from Capital one to appease me then they don't follow through on their end. Can you help me get this rectified, in both of these situation 's I could have borrowed money from family to make this account current but didn't want to burden family with that request if I could have worked it out myself, and both times I THOUGHT I did the right thing only to still be dealing with incorrectly reporting late payments. I by no means have been perfect and have fallen behind on several occasions but I contact the creditor and try and work out good faith plans, i just wish I had have known they were still going to continue reporting this incorrectly before it happened so I could have made a different choice. I now feel mislead and Coerced into paying late, creating late fees and more income for the creditor.
Consumer complaint received 2019-05-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Received a call on XX/XX/2019 XXXX Eastern Time with caller id " Suspected Spam XXXX ''. The XXXX male calling asked for my name and I asked him who he was. He told me only his name ( which I do not recall ) & I told him that I did not know him, then he told me that he was from Portfolio Recovery. The call has a warning that it was being recorded. He asked if I was XXXX XXXX and I said yes and added that is a common name. He gave me a month & day of a birthday and asked me if it was my birthday ; it wasn't and I said, " No ''. He gave the last 4 digits of a social security # to see if it was mine ; it wasn't so I said, " No ''. He gave me a street number and asked me if that was the street that I lived on, it wasn't and I said, " No ''. He responded as if he was satisfied with my responses. 

In the past 4 or 5 years I have received numerous calls, mostly robocalls, from Portfolio Recovery and they keep calling. They had expected me to give them my name without their showing that they were looking for somebody with my name. I should have the right not to give my name to a caller. I know it is not me because my credit is fine. 

They should stop calling me because I am definitely not the person that they are looking for. I should not pay the consequences of harassment for somebody else 's debt. If they can not find the right person that is their problem, not mine. They should also identify themselves accurately on the caller id. 

It seemed like the caller today was satisfied with my responses, but something similar has happened a few years ago and they have continued to call me all this time.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I want to file a complaint against Experian, XXXX, and XXXX. I have sent 4 dispute letters ranging from XX/XX/XXXX to XX/XX/XXXX. I have mailed all letters by certified mail with confirmed received receipts but they have not provided what was requested. All 3 Bureaus were given more than enough time to validate these accounts. I am requesting all accounts below be removed from my credit report and all non-account holding inquiries over 30 days old. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ). The failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The following accounts needs to be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX  XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account
Consumer complaint received 2020-11-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION (AL)

Reached out to BBVA to inquire about a refi mortgage with their professional loan program. Asked very SPECIFIC questions about loan rates, buy-downs, costs, LTV requirements, and credit requirements. We were given rates with an email stating that this was for 90 % LTV and credit scores above 700 scores. After giving our application info and meeting all of those requirements for a 3.5 % rate, our loan officer was out sick for a week leaving no one to handle her files or clients, and not even an auto reply ... just no answers for five business days. When she returned, all of sudden, our rate was almost a point higher and our 740-800 credit scores were not good enough for a lower rate anymore. My husband and I were applying jointly, and I ( the cosigner ) NEVER completed my application, yet I get my credit card statement this month ... and a {$650.00} charge was made to it on XX/XX/20 by BBVA. There was no permission for my card to be charged nor did the cosigner ever even complete a signature. We have not even been informed with an email or a receipt giving information as to what the charge is covering. BBVA has displayed fraudulent rates and programs, purposefully misrepresented the program, intentionally withheld true requirements when asked repeatedly by the customers, allowing them to begin processing our loan under false pretenses when there is an email as proof that they were told to cease all operations of our loan application. Apparently now the representative has started the processing procedure by charging {$650.00} without permission to our credit card. We have emails and screenshots to share if it would help to understand this situation better, and we are happy to share the name of the mortgage originator and her license number. This is deceptive and predatory marketing/operations, at best.