davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
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)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OH)

I applied for a credit card at the end of XX/XX/XXXX and was denied stating that I did not have a credit report nor a credit score. In late XX/XX/XXXX I attempted to get my free credit reports using the XXXX web site. I was not able to get my credit report online at the time. I received a letter from Equifax dated XX/XX/XXXX, that was mailed to my correct current address of XXXX XXXX XXXX XXXX , XXXX OH XXXX. The letter stated that I needed to provide documents about my identity showing my " current '' mailing address of XXXX XXXX XXXX, XXXX  OH XXXX. I have not had that address for over five years. That same letter later states my correct current mailing address when it requested documents. 

About XX/XX/XXXX I sent in a copy of their letter requesting the documents. I included a copy of my driver 's license, a copy of my Social Security card, a recent utility bill, and a copy of my birth certificate. 

As of XX/XX/XXXX they have failed to respond to the request for a copy of my credit report.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIZENS FINANCIAL GROUP, INC. (IN)

I got into an accident in XX/XX/XXXX. My car was declared a total loss in XX/XX/XXXX. This being my first car off the lot and first total loss incident I've encountered I wasn't sure what to do with the payments towards my account. 
I called the lender my car was financed from ( Citizens Bank ) and a representative specifically told me that I do not need to make payments towards my car loan because they understood it's a total loss and the GAP insurance will take care of it. 
XX/XX/XXXX came and noticed a derogatory mark/missing payment on my credit report. I've never had a missed payment since I've started building my credit. It came from Citizens Bank ; a missed payment during the time my car was declared a total loss. I called Citizens bank explained the situation, filed a dispute, and my dispute was denied. This isn't fair to me because I was told specifically by Citizens Bank representative that I didn't have to make payments towards my car loan and its because of them Ihave a derogatory mark on my clean credit history.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank sent me a letter XX/XX/XXXX stating their closing my account into a decision was based in a part on a credit scoring system. They have my score XXXX date : XX/XX/XXXX, and while the date of the credit score may not be recent, My score has likely not changed significantly since this date. Which that is incorrect, date : XX/XX/XXXX My score was XXXX, date : XX/XX/XXXX My score was XXXX and date : XX/XX/XXXX my score was XXXX. They want to close my account with Inaccurate information, and I'll be gladly to give my score reports as proof.
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NY)

On XX/XX/2020 I contacted Dovenmuehle mortgage about removing the PMI on my home. According to public records, the local home sales has brought my LTV to 78 %. They denied my request and stated that I was 30 or more days delinquent in the past 12 months. This information is incorrect. I have not exceeded 30 days from the due date which is the XX/XX/XXXX. I am assuming they are using the the guidelines of the FCRA. I am requesting written clarification and proof that I exceeded 30 day period. In regards to speaking to someone directly in the escrow department, I am screened and told to write a letter. My initial contact on XX/XX/20 involved a phone request through a customer service request. My second contact on XX/XX/20 involved an eFax to their escow dept.
Consumer complaint received 2020-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

2 entries were placed on my XXXX  credit report from original creditor XXXX XXXX, handled by now debt collectot credit control in the amounts of {$560.00}, and {$1000.00} in XX/XX/XXXX, which bought my credit score down 50 points. I don't owe this debt and have asked for validation of this debt. I have not received!!! TODAY XX/XX/XXXX, they have placed yet ANOTHER entry on my report as an collection balance increase of {$150.00}, which bought my score down ANOTHER 25 points for the same unfounded debt for the same amount, I will attach all documents of this abuse. to keep hitting my credit report is UNFAIR and needs to be addressed
Consumer complaint received 2020-02-25
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. (CT)

I've been trying to understand why my report have so many hard inquiries that I did not make. I have not tried to take out a loan, get a new credit card or put myself in a situation that would make my credit report have so many inquiries on it. I also realize that there have been duplicate inquiries on my report from XXXX   XXXX or XXXX XXXX. This inquiry occurred on XX/XX/XXXX. I contacted the creditor and they could not confirm anything. 

I also contacted the following creditors and they could not verify that it was me who authorize such inquiries : XXXX XXXX Inquiry from XX/XX/XXXX Oil Companies XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Oil Companies XXXX Inquiry from XX/XX/XXXX Oil Companies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX/XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX/XXXX  Inquiry from XX/XX/XXXX Finance XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Bank Dept Of Ed Inquiry from XX/XX/XXXX Government XXXX/XXXX  Inquiry from XX/XX/XXXX Bank  XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX Finance Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 
The inclusion of these inquiry does not comply with federal law. You are obligated to remove the offending inquiries.
Consumer complaint received 2020-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched statement XX/XX/XXXX. USAA has not explained credit reversals to me. Please explain the credit revetsals on XX/XX/XXXX statement. TOTAL PAYMENTS and CREDITS {$450.00}. Applied for this period. This is a Total of my payment {$77.00} & Merchants {$28.00}, {$47.00}, {$34.00}, then back statement continues permanet credits {$21.00}, {$75.00} PERMANET CREDIT great call dispute my favor {$170.00}, PERMANET CREDIT great call my favior THESE MERCHANT CREDITS AND MY PAYMENTS ARE ALL THAT APPLIED THIS PERIOD. Kindly Note this confusion : NONE OF THE ADJUSTMENT PURCHASES TEMPORARY CREDITS ( all with little - minus signs making them APPEAR SUBTRACTED AND CREDITED SEE XX/XX/XXXX {$49.00} under the {$170.00} INone of the next 14 are not included they are NOT PART OF THE TOTAL AT THE BOTTOM ( * TOTAL PAYMENTS AND CREDITS THIS PERIOD ) again THE NEXT 14 CREDITS. are not included but misrepresented to look like they are. The temporary credits NOT APPLIED. are {$49.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOTAL CREDITS NOT APPLIED {$320.00}. Why do they * MISREPRESENT CREDITS NOT GIVEN LISTING THEM MAKING THEM APPEAR AS APPLIED? USAA reversed XXXX same day they began investigation putting temp credit XX/XX/XXXX NO WAIT THEY ENDED INVESTIGATION XX/XX/XXXX reversed XXXX same day began also NOTE these credits DID NOT APPLY only merchant credits & my payment applied. Then reversed XXXX that merchant just sent XXXX XXXX XXXX ALL WITHOUT APPLYING USAA CREDITS THAT STATEMENT SHOWS. Then see attatched XX/XX/XXXX VERIFY FRAUD CLAIM letter confirming NO ACTION NEEDED BY ME and usaa will continue to persue fraud in my behalf. KINDLY NOTE LETTER XX/XX/XXXX IS AFTER THEY LISTED THESE UNAPPLIED CREDITS What hapoened. Fraud is supposed to be addressed resolved by 60 days. ALL THIS FRAUD IS DISMISSED NOT APPLIED NO RESOLVE??? See attatched Fraud letter XX/XX/XXXX {$49.00} NO FURTHER ACTION ON MY PART {$49.00} is listed as a pretend credit but NOT INCLUDED IN AMOUNT TOTAL CREDITS XX/XX/XXXX USAA REVERSES CREDIT NEVER GIVEN DOES NOT RESOLVE FRAUD IN 60 days as law requires AND USAA STATEMENTS MISREPRESENT CREDITS APPLIED WITH TEMP CREDITS NEVER MADE PERMANET.
Consumer complaint received 2020-02-25
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. (OH)

THIS IS THE 3RD TIME I HAVE HAD TO COMPLAIN ABOUT THIS ISSUE OF FRAUD ON MY CREDIT FILE!! MY NAME IS XXXX XXXX  XXXX MY DOB XXXX MY SS # XXXX THERE IS SEVERAL FRAUDULENT ADDRESSES ON MY FILE PLEASE REMOVE THE FOLLOWING ADDRESSES : 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 I was going to buy a car and I pulled up my XXXX XXXX, XXXX  and Equifax credit report found XXXX XXXX # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION XXXX XXXX XXXX Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports.
Consumer complaint received 2020-02-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

To whom it may concern, I attended XXXX college from XXXX-XXXX  and I was under the impression that 4 of my school loans would not accumulate any interest which was not true. I was approved for 5 loans in total while in college due to hardship, but each one those loans has accumulated a high interest rate. In fact, one of the loans that I was approved for back in college was {$2500.00}, but now Im having to pay ( Navient ) {$2000.00} in interest which is insane. Im a part/time worker as of right now and I remember explaining this situation to ( Navient ) on last year, and they didnt seem to care about it. How can I be charged so much in interest, and I barely gross {$10000.00} yearly. In my opinion, something should be done about this problem because I live on a fix income and Ill never be able to pay off this debit anytime soon if ( Navient ) cant find away to help me. I also signed up for their Income Driven Plan back in XXXX  but the interest is steady rising each day seem like it. Can someone help me? Is there anything I can do to have the interest lower? I really need help with situation right now! Thanks!!
Consumer complaint received 2020-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

Ok, so i put in my complaint regarding Comenity Bank 's predatory late fees and interest charges. I was hoping they would remove the SECOND round of late fee and interest they've charged me. They did not. They replied to the complaint XX/XX/XXXX. Not happy with that but I just wanted them out of my life so I created a login and paid the stinking bill online on XX/XX/XXXX. Now, here 's where it gets interesting. The due date for the amount in question was XX/XX/XXXX. I paid it AFTER the complaint was resolved. Now they are charging yet ANOTHER late fee! These people are unbelievable!!!! This amount was under dispute so the account should have been put on hold UNTIL THIS COMPANY had resolved my complaint and SHOULD NOT BE CHARGING YET MORE EXTORTION!!! I can't believe the gall of Comenity Bank!
Consumer complaint received 2020-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

In XX/XX/2019 the mortgage on the home owned by both my wife and I was transferred fro XXXX to New Rez also trading as Shellpoint mortgage services LLC. The house is in both our names and the mortgage is paid by each of us paying a portion through our individual bank accounts. We have never had part or all of the mortgage past due let alone close to the expiration of the grace period. Every month The mortgage company applies all or part of our payment to principle only or unapplied funds and sends notice that we are late on our payment. Unfortunately I didn't keep all mortgage statements but have enough to prove our claims of payments being categorized as over due when they are not! I am providing copies of both our bank statements to collaborate this claim.They have charged us late fees and withdrawn them from payments without permission. I have recieved and included 2 letters threatening to report us to the credit bureaus. Our bank statements should no doubt prove we were never late or short ( underpaid ) and this problem stems completely from the company 's inability to apply the two payments properly. When trying to resolve this I have been told that their computer system can't process partial payments. My response to this as I have and continue to believe that this is NOT OUR PROBLEM!!! On every statement there is a message that partial payments are held until the balance is paid, but in all cases this has turned out to be false as both parts of our payment are in their possession before the due date and even recorded on their own statement. I woul d like New Rez to stop applying our payment to principle and or unapplied funds, STOP THREATENING US.< and remove all late charges and other fees that we do not nor have ever owed. I would also like a copy of both my and my wife 's credit report from all credit agencies to prove that all false reports were either never reported or removed. In addition I would like corrected mortgage statements that don't show late charges and other fees. The account # of the mortgage is XXXX. The House is in the Name of XXXX XXXX XXXX and XXXX XXXX and the address is XXXX XXXX XXXX XXXX Maryland XXXX. I would also like to point out that unless it is unlawful to pay our mortgage from 2 accounts we will continue to due so! Both accounts are in the names of the two people listed as the owners. Thank You
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-29
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. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2020-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Loan Care failed to make XX/XX/XXXX-XX/XX/XXXX property tax payment for {$1000.00}. Im in the process of selling my home and escrow discovered that the payment was in default. I called on XX/XX/XXXX and spoke with a customer service rep that was working with another department to resolve. He said I would receive an email from them within 1-2 hours with a resolution. I never received the email. On XX/XX/XXXX, I called back in to resolve and they said they didnt have any record of another department working on it and that the burden of proof was on me. I explain that the tax information is public and there was obviously a discrepancy in what I was being told today vs yesterday. I asked for a supervisor and the supervisor hung up on me. Now, I have called back in to try and resolve for the 3rd time and have been place on hold without ever being able to get in touch with anyone. I believe its likely my account has a notation on it that when read they stop helping me. My concern is I have been paying into an impound account and they have not fulfilled their obligation to properly service my loan by making the appropriate payment to the county for property taxes. This is very concerning. When logged in online the history of the escrow account does not go back for me to research on my own. After looking at reviews online, I see many other customers experiencing the same thing without resolution. Considering that as a home owner we dont have a choice in our loan services especially if our lender sells the loan. We are forced to do business with an unethical company like loan care and there should be better oversight from the CFPB to prevent this from happening. I would normally say this is my fault for choosing to do business with them, but I dont have a choice.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2020-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Who

m It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$500.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiate
d on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.