davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

In my review of my credit report on XX/XX/2018 Hunter Warfield is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. Hunter Warfield is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted the credit bureau to find out information about a bankruptcy I was disputing. I was within my rights to ask who the furnisher of this information was as per the FCRA. The customer service representative did not want to disclose the information I was requesting. After going back and forth the customer service representative lied to me and said the furnisher of this information was the court house. I then called the court house and they informed me that they do not send any information to the credit bureaus and it states the same information on their website XXXX XXXX XXXX XXXX XXXX I was lied to about how my information was being reported and that is a direct violation of my rights according to the FCRA. According to the FCRA the bureaus are required to disclose this information upon request. I also disputed the information via certified mail and received a simple response of verified with no further explanation of how this was certified. I am respectfully requesting that this bankruptcy be removed from my credit report as per the fair credit reporting act. Thank You
Consumer complaint received 2018-12-10
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: DHI Mortgage Company (FL)

My wife and I contracted with XXXX XXXX XXXX to purchase a new home in XX/XX/2018. Our credit was verified at that time. The house was not started until XX/XX/2018. Our credit was run again by the builders mortgage company again in XX/XX/XXXX prior to the start of the home. I advised them that there was no need to run the inquiry because the home was not started and the existing report was good for 4 months. The home is still not finished and they are now going to have to run our credit once again. I have asked that they remove the inquiry, however, they stated they did not know how to do this and advised I would have to handle. The lender admitted to me that she made an error by checking our credit prematurely. We are asking for help in having this inquiry removed from both my wife and my credit report.
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.
Consumer complaint received 2018-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (NY)

On XX/XX/XXXX I opened a Huntington 5 checking account in the XXXX branch in person. I emailed my coupon code to the banker for a {$200.00} checking bonus. XXXX XXXX : XXXX You were required to make cumulative deposit of {$1000.00} w/in the first 60 days. I made the {$1000.00} deposit at opening to satisfy the conditions of the bonus. The {$200.00} was to be deposited within 14 days after the account was open for 90 days ( XXXX XXXX ). XX/XX/XXXX is 104 days after opening and I have not received my bonus. I contacted the customer service line for Huntington and was told to contact the branch. I contacted the branch and have not received a contact back from the banker who opened my account as of the time of writing.
Consumer complaint received 2018-12-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Computer Credit, Inc. (IA)

XXXX XXXX and Computer Credit , Inc are attempting to collect a debt for services that were not rendered. I have notified XXXX XXXX 's office in XXXX XXXX XXXX, Iowa of the issue but to no resolve. Instead, they have engaged Computer Credit to attempt to collect from me. 

The bill amount is for {$1200.00}. The only services performed by XXXX XXXX was a XXXX procedure. This bill is for a XXXX - a service NOT provided by XXXX XXXX. Further, I was under NO CONTRACT to buy a XXXX  from them. The reason I did not use their service is that the prices were too expensive and they treated the entire process like I was buying a used car.
Consumer complaint received 2018-12-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The term of the loan was 72 months and this company changed it to 73 months plus add late fees and interest at the end of the loan. when i asked them about these charges, a representative XXXX told me that it was because I changed the payment date twice.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovis (MO)

XXXX  credit report I have 5 hard inquires from the same company Cbcinnovis/XXXX, PA XXXX. I did not give consent for these inquiries. Hard inquiry dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-06-20
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX is showing a Bank if America account opened in my name on XX/XX/2017 and closed the same date and its showing unpaid with suspected fraud activity. Ive never had Bank of America. Ive been with XXXX XXXX XXXX for 4 years now
Consumer complaint received 2023-06-05
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. (MD)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA (NH)

My credit report is showing my student loan as if it is a new inquiry on my credit. This lowered my credit score by about XXXX points. I need this fixed. It appears to be because of the name being listed as the full name rather than Mohela.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

experian is not following the processes and proceddures it has established for lifting a security freeze. i attempted to lift it online using my pin. i keep getting an error message telling me i have to submit my request in writing. 

i submitted my request in writing. 30 days later it is still in place. 

i attempted again to lift it online and i got the same error message. EVEN THOUGH I ENTERED MY PIN. 

i located my pin letter from experian from 10 years ago. i called the toll free number on that letter and the voicemail system doesn't even list credit freeze as one of the topics. Experian doesn't list a contact number on their website to contact them regarding a freeze problem Experian is not following the law as set forth by congress and making credit freeze and thaw available. 

NOTE : the file attached was printed signed and mailed in XXXX XXXX XXXX
Consumer complaint received 2018-05-23
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. (FL)

XX/XX/XXXX - mailed certified letter asking them to remove XXXX XXXX from my credit report due to inaccuracies. Within the allotted 30 days, I received response that it has been verified. XX/XX/XXXX - Mailed Certified Letter requesting Method of Verification within 15 days per FCRA 611 ( a ) ( 7 ). 

As of today, XX/XX/XXXX, I have received no response to the verification request.
Consumer complaint received 2018-12-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (AL)

I was a resident of XXXX XXXX XXXX. I moved out on XX/XX/XXXX. On XX/XX/XXXX I submitted my notice to vacate which, includes a counseling on cleaning requirements. This counseling was completed XXXX of XXXX XXXX the property management company which currently manages XXXX XXXX housing. She notified my wife via email of charges we were being assessed on XX/XX/XXXX, four days after our move out, while we were in route to our next XXXX XXXX. We advised her the charges were not correct namely the floor cleaning fee of {$120.00} which she stated in writing during my XX/XX/XXXX counseling with her would be {$60.00}. According to the collections agency attempting to collect this debt they received this case XX/XX/XXXX, all the while we believed the charges were being corrected. My wife received an email from XXXX on XXXX the XXXX and XXXX, she overlooked because we were in contact with XXXX not XXXX concerning the matter stated above. The collections agency was given the incorrect phone number concerning collections of this debt, despite my phone number being written directly on top of the bill in question and I was never notified of collections being involved which resulted in negative impact to my credit. Since then XXXX XXXX has admitted to the overcharge and reduced the bill accordingly. IT IS IMPORTANT TO NOTE I WAS NEVER CONTACTED DIRECTLY CONCERNING THIS MATTER, ALL COMMUNICATION WAS DIRECTED TO MY SPOUSE, AND I WAS REPORTED TO A COLLECTIONS AGENCY NOT HER. XXXX XXXX HAS MY INFORMATION
Consumer complaint received 2018-12-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (GA)

I was under contract on a home after receiving lending approval on XX/XX/2018 and an approved purchase amount from NACA. 14 days prior ( closing was scheduled for XX/XX/XXXX ) to my scheduled closing date NACA informs me that they are unable to honor the approval. Which are due to the errors of their own underwriters, licensed mortgage counselors and home counseling staff. 

I have multiple written correspondences with the approval date and amount, as well as attempts to eliminate any potential issues prior to the end of due diligence periods however their counselors, management staff and underwriters were non responsive via phone and email.
Consumer complaint received 2023-06-02
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (GA)

Hello - I was in the process of buying a house through XXXX. CoreLogic is their agencies used to pull credit. There was suppose to be a " SOFT PULL '' of my credit report XXXX XXXX as they had already pull my full report on XXXX XXXX. Unfortunately, they generated another " Hard Pull '', which created another HARD INQUIRY on my credit report. Hard inquiries started popping up on my credit report on XX/XX/XXXX, and XXXX. I have attached the pics as well. 

I have reached out to both companies to request the Hard Inquiry be removed from my credit report. I did not " authorize '' anyone to perform Hard Pull of my credit on XXXX XXXX and would like this removed ASAP as it effects my credit score which having so many inquires within a short amount of time.
Consumer complaint received 2018-12-11
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. (IL)

I have a inquiry on my transunion credit report from XXXX. I have call transunion and XXXX and no help getting this inquiry off my credit report. I use XXXX XXXX for credit info. The inquiry took place on XX/XX/XX/XX/2018
Consumer complaint received 2018-05-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

Today my wife and I decided that we wanted to attempt to receive a HELOC or HELOAN through our 1st lien mortgage company, quicken loans. Upon arriving at this decision, we went to the website and clicked on the chat option. XXXX XXXX was the mortgage loan officer who assisted. At the beginning of our conversation he asked " What needs do you have and how can I can help? '' I answered, " I'm looking to get either a heloc or heloan for 15-17k to consolidate " X '' amount of credit cards. '' He say 's okay, I can help with this. After telling him what the goal was and how I'd had a previous conversation with Quicken, he requested information to run my credit ( all the while knowing i was specific in stating I wanted a HELOC or a HELOAN. After he pulls my credit he informs me, we can't/do n't provide HELOC 's NOR HELOANS at Quicken. This is repulsive. I demand that this inquiry be removed from my credit because of his unethical conduct. I'm development officer for a bank and if I or one of my employees did this to a client, they'd be immediately dismissed and so would I because it's an unethical practice. I CLEARLY identified my need. If he knew he couldn't provide that then proper thing to do would've been to state " XXXX XXXX, I know you said you're interested in receiving a HELOC/HELOAN. We do however have another option. We can do a cash out refi which is xxxxxxxxxxxx '' I would've kindly thanked him for his time and moved on as I'm not interested in losing the low 3.99 % APR on my first mortgage to refi at a 4.75 or ANYTHING higher than where I'm at now with additional closing costs and origination fees. The behavior is absolutely unacceptable and is the primary reason our industry has such a skewed perception and vision of how do business. I want the inquiry REMOVED from my credit report immediately.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My mom XXXX suddenly in XXXX. We later found out it was XXXX. I was forced to take care of my little sisters. In order to keep the home I started making payments on the house and the utilities, which caused my late payments. I contacted Capital One who said they would remove the late payment notices for XXXX and XXXX out of goodwill because I did not owe a balance on either credit card. I have the original letter I sent, they did not respond so I called and thats when they said the would remove them next billing cycle. The balances were paid in full. I have not had another late payment in nearly 3 years. They never removed it despite them saying they would. I called back and they denied their agreeing to remove them.
Consumer complaint received 2018-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

After sending the last complaint Nelnet has unlocked my account so that I can view it. It stated that I was in forbearance. That status has now been changed to repayment. Today I spoke with someone in Nelnet 's customer service department. She isn't sure why I was given incorrect information concerning my Public Service Loan Forgiveness. I asked why my loans were placed in forbearance and she indicated that  happens automatically when I am in bankruptcy. I was never given this information prior to today. She said that I am in a graduated plan, which is still the wrong plan. But the payment with this plan has never changed. The payment is supposed to increase every couple of years. She suggested that I consolidate my loans, which I thought I already did, and begin the income driven repayment plan again. I have currently been making approximately the same payment since XX/XX/2003. Something can't be right with this. I'm not sure how to proceed from this point. I honestly get different information from everyone I speak to and no one cares. The girl last week at Nelnet told me my payment would be around {$800.00}. a month on the income based plan, today the representative said she couldn't possible know that. So who do I trust and how do I correct this situation?
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (VA)

I keep getting phone calls at least 4 times in the last 40 minutes on XX/XX/2018 from a debt I owe of {$220.00} owed to XXXX XXXX and they asked me to verify my address and I said I wouldn't tell my address untill they tell me what are they calling me around XXXX.and XXXX XXXX They keep changing their phone numbers and the phone number I just gave is the last phone number that called me tonight. I am just getting sick of them calling me around this XXXX XXXX to XXXX XXXX
Consumer complaint received 2018-12-10
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: EQUIFAX, INC. (FL)

Recently, I checked my credit files and these unauthorized inquiries showed up on my Credit. I did not apply for employment with your organization nor did I request credit from any of these organizations. 

1XXXX XXXX  2.XXXX XXXX 3.XXXX XXXX XXXX XXXX   4.XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XXXX XXXX 9.XXXX 10XXXX XXXX  11.XXXX XXXX XXXX   12.XXXX XXXX 13.XXXX XXXX
Consumer complaint received 2018-12-10
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. (FL)

Recently, I checked my credit files and these unauthorized inquiries showed up on my Credit. I did not apply for employment with your organization nor did I request credit from any of these organizations.

1.XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX XXXX 4.XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX XXXX  8.XXXX XXXX XXXX XXXX 9.XXXX  10.XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX XXXX 13.XXXX XXXX
Consumer complaint received 2018-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/2017, I purchased products from XXXX using a XXXX Credit card, after receiving my products an XXXX credit card was issued by Chase was open / issued to me without my authorization. 


I contacted XXXX / Chase at that time they canceled the card and closed the account with no money owed by me. 


On several occasions Chase have sent bills to me on this account that for # 1 ) I didn't authorized, # 2 ) that I NEVER used or OPENED. 


I sent numerous letters, but I'M continued to get a monthly bill on this authorized account.
Consumer complaint received 2018-12-10
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Today, actually, it was yesterday. I dent money to a guy by PayPal but that guy is a cheater. When I sent first once, he let me copy his account. When I fished, he said the account number is wrong and let me send second. And I did. This time I provided correct account but PayPal showed another account, I don't know why, then he said he did't receive the money, and let me try more. Then I know I was cheated by him. Now I can't cancel it and my money flows to that liar. I don't know how to fix it and a lot of people facing the same problems.
Consumer complaint received 2018-12-10
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)

Equifax failed to positively verify the account, and has hurt my ability to obtain credit. XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX were never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed
Consumer complaint received 2018-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX I was charged a {$39.00} annual fee for the card. I called and spoke to multiple reps who told me this fee can not be reversed even though I just changed the card to a no fee card. This fee is from XX/XX/XXXX-XX/XX/XXXX confirmed by the capital one reps but they will not reimburse the annual fee even though I will not be using that card