davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.
Consumer complaint received 2022-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

I would like to make a lump sum payment of $ XXXX $ XXXX and recast the loan. Asked Planet Home Lending on XX/XX/2022 through email. Since than, send 3 more emails to follow up. Each time they said they forwarded my requested to related party/department and waiting answer. 
I have a feeling that they are doing this intentionally and causing me to loose money.
Consumer complaint received 2022-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CBC Companies, Inc. (KY)

XX/XX/2021 I have two inquires for a home refinance ; according to your rules this was refinance 0n my current home and they happen in the 45 day window I should only have one inquirey.. 

Companies involved 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 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent in dispute to each credit bureaus. When I received my credit reports I seen a few names and address that I don't recognize. When you look into my account, please be sure to make sure all information is accurate.
Consumer complaint received 2022-08-11
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. (TN)

On XX/XX/2022 I sent in letters to the credit bureaus reminding them once again that the items that are reporting are inaccurate and does not belong to me. On top of them not verifying these items they have yet to even respond to any of my letters. This is causing me a tremendous amount of stress. I am currently XXXX with my second child, and already have a lot of things to deal with. I already stated that after review I also found out my information was impacted by the XXXX data breach. If this isn't resolved, I am going to file for litigation. Please help me with this issue.
Consumer complaint received 2022-08-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

DEBT AMOUNT : {$1300.00} I want this company ( LVNV FUNDING, LLC ) to provide me the legally required validation of debt listed below : 1.Complete payment history, including but not limited to, verification by line item ( with an explanation of each item ) for the entire amount, dates of execution, as well as last date of activity. This requirement was established by XXXX XXXX XXXX 2.Proof of my identity 3.Proof that LVNV FUNDING, LLC owns this debt or the Contract giving you power to collect 4.Proof that this debt has not been written off as a tax liability 5.In addition, I've recently learned that you're required to send me notification of this debt and your plans to report it to the credit bureaus prior to doing so. YOU NEVER DID THAT! And if you think you did, then you must also send me proof that you did.

I am demanding all of the following resolution in regards to my complaints Deletion from all consumer reports. 
Remove all remarks or comments off my consumer report Cease and rescind use of my intellectual property, my signature
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (MS)

My mortgage with XXXX Bank was in Covid 19 deferment relief and we have made arrangements for Deferred balance to be place at end of loan with out interest. They ( XXXX bank ) have reported 180 day late on this mortgage two months in a row. I also learned from an employee of theirs that this has happened to thousands of mortgage holders with them. This has caused my to have a denial on a requested loan from Studentiad.gov. I was trying to secure a loan for my XXXX  college student. Now the loan has been denied because of this action on their part. My credit score has also faulted over 80 plus points on all credit reporting bureaus. Payments are {$1800.00} and have been paid as agreed...
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (NC)

I requested an updated credit report from Experian, XXXX and XXXX. In do so I found their several names and addresses. I don't know nor recognized. I have sent out letters on XX/XX/22 to dispute the matter. No representatives have called, nor any updates have happened.
Consumer complaint received 2022-08-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OK)

I had been pre-approved for an FHA Loan with Amerisave Mortgage and we started the certified approval process. The lender XXXX XXXX sent out VOE 's to my present and past employers which is fine but then he followed up on a separate email with me and both the past and present employers payroll on the same email - sending them all of the email threads we had with my wages from both employers in that email. On top of that the old employer now knows where I currently work and I was harassed while working there and since I left they have harassed me. 

Now I have to worry about the harassments to me and my new employer from the previous employer. and possibly loose my new job. 

Amerisav toldl me the only resolution is to use the lender that messed up everything or go to another bank. They won't give me another lender even after I have paid to lock my rate in and this lender messed up big time!.
Consumer complaint received 2019-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I had this credit card with HSBC for some time now, which I very rarely use. Last I used this card in XXXX XXXX and charged {$110.00}. They stopped sending me monthly card statements. As I did not receive any statement since XX/XX/XXXX till now, I did not remember the balance amount. They sent me a collection notice in XX/XX/XXXX saying that I owe then {$79.00}. I called their customer service to ask why this is in collection and why I did not receive the statement. They mentioned that there was a returned statement so they stopped sending the statements. I paid the full amount and confirmed the address. They promised that they would start sending the statement. Again I did not get any statement, but received another collection notice, this time indicating that the balance I owe {$77.00}. I paid that on XX/XX/XXXX assuming that now I am paying the full amount. But again on XX/XX/XXXX they sent me another collection notice stating that this time I owe {$77.00}. I called them today and found out the total charge was {$110.00} in XXXX XXXX but as I did not pay I was charged interest and though the statement says I owe only {$77.00} I actually owe {$110.00}. I paid that amount fully today over the phone and asked them to close the account. 

My problem with HSBC is that they were not sending me the monthly statements and kept charging punitive interest. If one  of my mail was returned ( I don't know why that will happen, as I this is my primary residence since XXXX and I get all my mail here ) why did not the back try to send me an email or tried to contact over phone. They have both my phone, and email on their file. Secondly, if they say they could not deliver the statement, how is it that they are able to mail me the collection notice at the same address, which I have received every time. 

With their not sending me the billing statement and keeping me in the dark, I had to pay a total of {$270.00} for a purchase of {$110.00}.
Consumer complaint received 2022-08-11
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. (GA)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that had been deleted and is now reappearing from Experian that needs to be deleted. I sent a debt validation letter to the creditor requesting validation of the alleged account. They failed to provide me validation, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ) so this information needs to be deleted as soon as possible!
Consumer complaint received 2022-08-11
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (DE)

I have an issue with Discover ; over the past three years, I have been experiencing severe medical problems. I was late on payments, and they suspended my account. I was advised in XX/XX/2022 that if I make continuous payments, they may restore my charging abilities. Discover did inform me that this is not a guarantee. So, I have called a few times regarding this and received the same scripted response. Recently, I called willing to pay off the total balance owed and still received the same response. I was also advised there is a closure date on my account and charge off date for not making payments timely. I take responsibility for that. The issue I am having is that Discover cant provide me a date when I can have my charging privileges restored, but they want me to keep making payments. I have spoken to people who work directly for Discover, and I have seen the physical policy and feel its a deceptive policy. Discover is giving the hopes of their customers to get their prices restored but never intended to restore privileges. They are giving false hopes and expect people to pay these balances, and then their misleading policy says we will review other accounts to see if we can have our card back on. I feel this is a bait and switch ; we will never turn your card back on regardless of whether the payments are made on time again, and the balances are low. Based on my training, this seems to me like a deceptive act to get money but never provide the services that are promised. We may restore services, and if they have no intentions of restoring services, they should disclose this to customers. Again, I have physically seen an account with Discover locked for over two years because of their credit report.
Consumer complaint received 2019-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (AZ)

On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX opened a balance in the amount of {$2900.00}. This is an apartment community in XXXX, Ohio. I called the apartment community and their corporate office and they said they had no record of me living there. I told them this charge was appearing on my credit, I asked them for proof of residency. They do not have it. I also asked for proof of my identification and signature on the lease agreement, they didn't have that either. 

The charge is for a month of rent for the fall of XX/XX/XXXX per the collection agency, but the apartment complex knows nothing about it. In the fall of XX/XX/XXXX I lived at another apartment community that I worked for. I have witnesses with my previous supervisor and records showing my dates of residency. I never occupied an apartment at XXXX at XXXX XXXX. When I spoke to someone at their corporate office they said maybe it was identity theft, but again they have no lease or documents proving that I owe or stayed there. 

For the past five years I have completed paperwork to remove this debt, I have struggled to try to purchase a home or even lease an apartment. Everything has had to be under my husbands name. I need this debt removed, I never lived or even applied to live at this community and they have been affecting my credit score for 5 years for collecting a debt I don't owe.
Consumer complaint received 2019-05-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

The company is Capital One. They Robo Dialed my cell phone from XX/XX/2018 to present. I spoke with a representative in XXXX and asked that they discontinue the calls.Because, I was XXXX and XXXX XXXX XXXX, the account fail behind. However, I was able to reinstate my monthly payments in XXXX, but unbeknownst to me, the account was charged off. That said, Capital One continues to call using an XXXX exchange, and when I dial back. The person who answers states that the call is being recorded and they are employment specialists.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (AR)

XX/XX/2022 at XXXX I received a text message that a {$2000.00} XXXX money transfer had been made and wanted to know if I had authorized this transfer, reply YES or NO. I checked the number, and it was the same as the Fraud Department of my bank, so I replied NO. A few minutes later I received a call from a man claiming to work for my bank. He asked some authentication questions and kept putting me on hold. I tried to call my bank, but was unable to get through to a person due to longer than average hold times. The man kept calling back. I never gave this man my user name or password. I was suspicious at this point, told him I had an appointment so I would have time to get in touch with someone at my bank. When I got through to my bank, they told me a wire transfer had gone through for the entire amount of my savings account ( over {$10000.00} ). I asked to start a dispute of the wire transfer. I was told an investigator would be in touch with me in 24-48 hours. I mailed a letter to my bank disputing the unauthorized wire transfer. It has been 11 business days. I have made calls to my bank every business day. I still havent spoken with an investigator and the Account Takeover Department has no idea when or even IF I will get my money back.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

While reconciling my XXXX and XXXX XXXX & XXXXXXXX XXXX XXXX bank accounts to ensure that the amounts reflected in my bank statements matches my internal business records. my general ledger and balance sheet was not accurate which caused me to look into my Bank Statements line by line. I have discovered my XXXX Bank account XXXX XXXX, XXXX with bank of America.. account number XXXX had unauthorized Transaction. the first two Transaction that i've notice was on XX/XX/XXXX with a company named XXXX XXXX for a unauthorized transaction amount of {$67.00} & {$3500.00} the same exact day, The second transaction amount was on XX/XX/XXXX with the same company XXXX XXXX XXXX XXXX for a unauthorized transaction amount of {$3700.00}, The third transaction amount was on XX/XX/XXXX which is the same company XXXX XXXX XXXX XXXX for a unauthorized transaction amount of {$3700.00}, The fourth transaction amount was earlier this year on XX/XX/XXXX with the same company XXXX XXXX XXXX XXXX for a unauthorized transaction amount of {$7300.00}, the fifth transaction amount earlier this year on XX/XX/XXXX with " XXXX XXXX XXXX for a unauthorized transaction amount of {$4400.00}, the sixth transaction amount earlier this year on XX/XX/XXXX with XXXX XXXX XXXX XXXX  again for a unauthorized transaction amount of XXXX, the seventh transaction amount of {$53.00} was with " XXXX XXXX '' on XX/XX/XXXX, the eighth transaction was with " XXXX XXXX '' on XX/XX/XXXX for the Amount of {$24.00}, Lastly the 9th unauthorized transaction was with " XXXX XXXX '' for the amount of {$24.00} on XX/XX/XXXX. 

I have disputed these unauthorized Transaction with Bank of America on Thursday XX/XX/XXXX that was discovered by myself and my accountant. I will attach a copy of the unauthorized dispute I downloaded from my BofA Mobile app.
Consumer complaint received 2022-08-11
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: EQUIFAX, INC. (MN)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-08-11
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: Amsher Collection Services, Inc. (NY)

On XXXX XXXX I was notified by XXXX monitoring service that a major derogatory report was detected. It was filed by a collection service- Amsher collection servicesXXXX XXXXXXXX ( XXXX XXXX. I contacted them and was told there were 2 accounts that went to collection from XXXX and they were in my name.These were not mine and contested them. They opened a fraud case # XXXX and are sending instruction on what I need to do. I was told that the first collection case was for {$230.00} ( case # XXXX ) the second was for {$2600.00} ( case # XXXX ). Suspect apparently used my name and XXXX XXXX XXXX, XXXX, XXXX as an address. ( not my address and I don't have a XXXX phone either ). This collection service never tried to contact, just file negative report! I will be filing a police report and have placed fraud alert with the 3 credit bureaus.. 
















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