davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-30
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. (VA)

There is a hard inquiry on my credit report that I know nothing about. I have never tried getting credit at this business. The business is : XXXX ( it says it is a clothing store ). There was no authorization for this company to run my credit.
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (AL)

On XX/XX/XXXX I was notified by XXXX of a credit collection claim that had been filed against me by Receivable Performance Management ( RPM ) and spoke to a customer service representative. Prior to this point I had not received notice of any type from RPM, or from the company the alleged debt was owed, XXXX XXXX. As I informed the customer service representative, I am a current customer of XXXX XXXX and my account is in good standing. 


After requesting some basic contact information about me the representative informed me that the claim related to a " XXXX XXXX '' for service provided at XXXX XXXX XXXX, XXXX XXXX, XXXX, AL. The service for which the collection was based upon ran from XX/XX/XXXX to XX/XX/XXXX. 

I informed the customer service representative that I had, in fact, resided at the aforementioned address, but that my lease ended and I relocated in XXXX XXXX, prior to the period in question. Additionally, my name is XXXX XXXX, not " XXXX XXXX. '' The representative advised me that they would mark the account as disputed and dispatch a packet to my attention with paperwork to fill out to dispute the claim. 


As of this date, XX/XX/XXXX, I have not yet received any correspondence from RPM. 

I was told by the representative of RPM that the collections claim was filed using my social security number, however, a subsequent call to XXXX XXXX 's fraud department indicated that not to be the case. XXXX XXXX confirmed that I have no claims against my account, nor have I in the past. I am a current customer of their service in good standing. XXXX XXXX further told me that this sounded like an instance of " skip tracing, '' which prior to that date I had not heard of. 

Subsequently I put a 90 day hold on my credit reports and requested a full version of my Equifax report, which revealed the details of the errant claim that was made against me. 

My credit scores dropped over 30 points due to this collection claim, but have since rebounded as it was apparently removed. As I never heard anything from RPM I am concerned as to : 1 ) how/why my credit was incorrectly penalized, and 2 ) whether this erroneous claim has been fully expunged.

I am filing this complaint to notify the CFPB of the skip tracing tactic that was applied to this account, erroneously leading to a collection effort against me, simply because I shared a common name with a person who resided at an address that I left years ago.
Consumer complaint received 2018-02-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (GA)

We are U.S. Military Veterans and previously changed Homeowners Insurance Companies from XXXX to XXXX XXXX in XX/XX/XXXX and the new HOA Premium amount and policy was sent into the Roundpoint Mortgage Insurance Department on XX/XX/XXXX. Also, we requested a new Escrow amount be calculated to lower our payments from {$4900.00} since the new HOA Insurance Premimum has been reduced to approx. {$1800.00} vs. {$4000.00} and have requested repeatedly to have this information reviewed. Also, an XXXX Representative called Roundpoint Mortgage on in XX/XX/XXXX as well and spoke to a Representative in the Roundpoint Insurance Dept and she duly noted the account and the XXXX Representative again faxed over the information to the Insurance department and the receipt of the information was confirmed. However, Roundpoint Mortgage is llegally causing an undue financial burden to our family by not adjusting the escrow amount to lower our monthly payment. 

Also, the assigned reperesentative - XXXX -for the Loan Modification process is very rude and abrupt when I had to repeatedly request her to explain what the Stop-Gap process was and believe they are not being very transparent on which program are actually available to Veterans while waiting for the Loan Modfication Process to be completed. Also, I believe they are unnecessarily causing a longated process to complete the modification request. It is very undue and their business practices towards VA Homeowners is very alarming! We should not have to go through this much red tape to request a loan modification. There was much impatience exhibited by my assigned representative XXXX XXXX. I also requested if she could help me get the insurance situation resolved with their department and she initially stated she could, but then reversed and told me she could not transfer me and to call back to the Insurance Dept. This is ridiculous, very non-proactive and this causing more financial burden to my family as well because the representative is not going the extra mile to help.
Consumer complaint received 2018-01-30
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. (AR)

To Whom This May Concern : Upon reviewing my Transunion account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on XX/XX/XXXX by certified mail in order to dispute information, in regards to 15 inquires, that is being reported on my credit report. They received the letter on XX/XX/XXXX and they completed the request on XX/XX/XXXX. I mention to them that I have never stayed in the state of Texas and most of the inquires is in that state. The request that I submitted included 28 inquires that were not factual and I received the same response for All inquiries, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. I would like for the below inquires to be deleted. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate ANS respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. Thanks
Consumer complaint received 2018-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My credit cards were stolen on XX/XX/XXXX from XXXX in XXXX XXXX , the thief then proceded to run to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and committing fraud by charging my debit card ( without pin ) for XXXX. My phone texted me to tell me the transaction and I immediately called Chase and told them it was fraud and to shut my card down, they did and reversed, now I got a letter saying the transaction was valid. I called them back today XX/XX/XXXX and told them it was not and there is a video of the fraud and the signature was not mine.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent several certified letters to Transunion ( XXXX and XXXX ) regarding incorrect information being reported on my credit report and have submitted supporting documentation for my claims but Transunion still claims they were able to verify the inaccurate information. Regarding file XXXX. Please see letter attached letter that has been sent to creditor. On XX/XX/2018, I sent a letter to XXXX XXXX XXXX in response to a debt collection letter I received stating I owed a balance to XXXX XXXX. It is now showing up on my credit report as an unpaid balance that went into collections. I paid this balance in full in XX/XX/XXXX directly with XXXX XXXX, so it should have never gone to collections or have been reported as past due. I have not received a response from them.
Consumer complaint received 2018-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Credits were issued to my Capital one Account ending in XXXX today, XX/XX/XXXX. These credits are provisional, related to dispute case ID XXXX. The credits total an amount of XXXX which includes adjusted interest. These credits are for two purchases made on XXXX, shipped in XX/XX/XXXX which never arrived and is past 60 day time frame to file claim with USPS. Merchant refuses to do anything. Due to status of my account, which is closed or pending closure, I am unable to make any type of withdrawal. The dept handling account works off a voicemail and does not return calls, I know this from past experience. I understand the credits are provisional, the dispute is still on going, there are two additional merchants under this claim, XXXX and XXXX ... .These purchases are fraud, someone hacked into my XXXX account or obtained password, made a purchase on it. The item from XXXX is something I have no information about, I was referred to bank by both merchants to file claim for fraud. XXXX will not cooperate, their tracking info shows items delivered/left in a parcel locker which I do not have one at my address. Once this claim is finalized, I need funds sent to my XXXX account which was or is linked up as an external account or a check mailed to me.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX They keep reporting this on my report but they say its no longer theirs I would like it removed.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

CHEXSYSTEMS IS REPORTING FOR XXXX XXXX XXXX BASED ON FRAUD AND FALSE INFORMATION AND IM XXXX SICK OF IT WITH THESE CRIMINALS, AS THE PROOF SHOWS HERE A XXXX BALANCE FROM XXXX XXXX XXXX, AND YET CHEXSYSTEMS IS MAKING BAD REPORTS ON MY GOOD NAME, CHEXSYSTEMS IS A MUTHER XXXX CRIMINAL, THEY ARE ALSO REPORTING FOR OTHER BANKS OF WHICH I OWE NOTHING, THERE IS NO ''BILL '' OR A VARIFIED SWORN STATEMENT FROM A COMPLAINING PARTY,
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (WI)

I just received notice that the credit card bank for XXXX XXXX XXXX XXXX is cancelling my card. 

There reason is that the new owners of XXXX XXXX are looking to lower the number of cards issued. ( Or that is what I was told by XXXX XXXX ) Will this have an adverse affect on my credit score. 
I had nothing to do with this action.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2018 I found that my Capital Once credit card account was canceled by the issuer. This happens to be one of my oldest accounts so this was detrimental to my credit score. On XX/XX/XXXX at about XXXX XXXX, I called Capital One 's support number and asked for the account to be reinstated and was informed that they could not do so, because the card had not been used for 36 months. I received no notification of the cancellation and wold like the account reinstated.
Consumer complaint received 2018-02-26
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 — Problem with personal statement of dispute
Company: Risecredit, LLC (OH)

I called XXXX  on XX/XX/ in regards of an account on my credit report that was reporting accurately. They told me to send in proof of payment. In which I faxed to them the letter from the creditor stating the account had been paid. I received a letter from XXXX dated XX/XX/ stating that the information they are reported is accurate. I sent Transunion the paid in full letter and they still wont update my credit report and thats all I wanted them todo.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-01-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX a State Tax Lien for {$14000.00} appeared on XXXX, XXXX, and Transunion credit reports. I took action right away and was able to prove to the Franchise Tax Board that they had filed this in error. I submitted documentation and filed a dispute with all 3 credit bureaus. Within 30 days, XXXX  and XXXX removed this tax lien off my credit profile. Transunion however never notified me of results. I have attempted to call back on XX/XX/XXXX to see why my dispute was not processed properly. Not only was I on hold for more than 30 minutes, but the person helping me was extremely difficult to understand and there is clearly a language barrier. It sounded like they were reading of a script and could not answer any of my concerns. To make matters worse I was told they had no record on my dispute in XX/XX/XXXX. I filed another dispute on XX/XX/XXXX with confirmation number XXXX. I was told by the person helping me that their verification is electronic and they only verify my personal info such as name and social security number. This matter is impacting my ability to purchase a home for my family. I find it difficult to understand how a creditor can file ANYTHING to a person 's credit report, specially something that can not be verified but in order to prove that its not mine I have deal with it for months and go through a process that clearly is not on my side.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Good Morning, this letter is regards to and issues with my personal information. I have tried on several accoucation to fix m y personal information with ojt any success. 
The personal address and no other address on my credit report should be as stated blow. 

XXXX XXXX -- -- -- -- -- -Only Please delete any other spelling or other names XXXX XXXX XXXX XXXX PA , XXXX Date of birth XX/XX/1977 My phone number is XXXX : Please update this information. I have enclosed my Driver Id for proof of address and date of birth. 

Thanks XXXX XXXX
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Credit Corporation (MA)

on XX/XX/XXXX i was trying to get a personal loan from Avant.com XXXX/avnt i apply thru them because on their webpage they advertise that they dont affect the credit, but now in my credit shows the hard inquiries.
Consumer complaint received 2018-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

I purchased an XXXX watch with XXXX XXXX  on XX/XX/XXXX using my XXXX XXXX Card. I understood that using an XXXX XXXX card provided an additional 1 year of warranty for purchased products. The watch broke on XX/XX/XXXX, which would have been 10 days after the 2 year XXXX XXXX expired, but within the additional 1 year from XXXX XXXX. I filed a claim with XXXX XXXX and received a letter today denying the claim because I purchased the watch with a " XXXX '' XXXX XXXX card. I was told that while XXXX XXXX and XXXX is a partnership, it is really not an XXXX XXXX card. I asked about my XXXX XXXX XXXX card and was told that, " well, yes, that is another partnership but with that one, it is actually an XXXX XXXX card and you do have all the extended warranty benefits with that one, but not with the XXXX XXXX XXXX card. Who knew ...! In my opinion, it is reasonable to assume that an XXXX XXXX card is an XXXX XXXX card. The XXXX XXXX logo is prominently displayed on the bottom right corner of my XXXX XXXX XXXX XXXX card in the typical blue box XXXX XXXX logo. I have always trusted that both XXXX XXXX and XXXX XXXX are reputable companies ; however, this experience makes me question that assumption. I would assume that a company, especially like XXXX XXXX, would not be willing to put their name on a card that does not represent XXXX XXXX well, but then we all know what they say about assumptions! I was told by XXXX XXXX customer service that they just put their name on the cards, but they are not responsible for what they do ... .pretty astonishing in my opinion. I was also told there is nothing that XXXX XXXX can do ... which I find a little hard to believe.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (DE)

XXXX XXXX XXXX debited my bank account twice for a scheduled etf payment of {$3900.00}. This is not a small amount. I called them and they said it would 17 days to refund the money to my account. This is wholly unacceptable.
Consumer complaint received 2018-01-30
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: EQUIFAX, INC. (CA)

Hi I recently contacted them to removal my hard inquires. They FAILED to provide proof these records are factual. I contacted each company they said that it was removed however the credit bureaus aren't removing them. I also have proof they requested it too be removed. I am a victim of fraud and I put a freeze on my account. Some of the inquires are wrong social security and some are over two years old. They don't want to help me because they PROFIT off bad credit and refuse to help me they keep sending me FACTUAL reports. For example XXXX pulled my credit four times and even XXXX said XXXX XXXX did not respond so it's not my account all credit inquires should of been removed. This was in XXXX they still haven't removed all of my hard inquires and I sent them all th information
Consumer complaint received 2024-08-07
Product: Credit reporting 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. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XXXX XXXX  Amount : {$9500.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights.
Consumer complaint received 2018-01-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES (LA)

I couldnt afford to immediately repay my student loan payments due to being laid off at my job right after i stopped attending colllege. On top of my financial harship I was dealing with the XXXX of my father which also caused a loss of income in our household.
Consumer complaint received 2018-10-18
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. (TN)

I have disputed the late payment status reported on the account XXXX XXXX XXXX USA NA, XXXX XXXX BANK, XXXX BANK DELAWARE, and XXXX CREDIT UNION, with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please