davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
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. (GA)

I reviewed my credit report and that there was an inquiry on my XXXX  and Transunion Credit report for XXXX XXXX, Bank Credit Cards Inquiry Date XX/XX/2020. 

In XXXX I mailed out letter advising the company that I never submitted an application or applied for any of their products. 

I have not received a response from the company and the inquiry is still listed on my credit report. 

I contacted XXXX XXXX today and they said that could not assist with this issue.
Consumer complaint received 2021-01-21
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. (MI)

Checking my credit report today and I noticed some accounts open that Im not aware of as you know posting anything on my report without my consent is again the Fair Credit Reporting Act and it should be removed immediately I have a Ftc report attached for more details.
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ABSOLUTE FINANCIAL SERVICES, INC (MI)

A company claiming to represent our original creditor called and threatened legal action if not settled that day. The call came on XX/XX/XXXX at XXXX. The phone number on my phone records shows XXXX. They had personal information and balance of debt owed. A settlement was agreed upon and automatic payments were set up. {$120.00} to be withdrawn every two weeks starting XX/XX/XXXX until {$970.00} was paid. The last payment of {$100.00} was withdrawn on XX/XX/XXXX. We received no final paperwork. On XX/XX/XXXX we received a summons from the court that the actual debt collector was suing us for our full debt amount. We learned the company withdrawing the money, Absolute financial services LLC, was unreachable and in no connection with our original creditors, the debt collector they sold our debt to, or their law offices. We have since entered a case through the courts who in XX/XX/XXXX ruled in favor of the plaintiff, the debt collector and still owe the full amount of our debt. The judge sent us the fair trade commission information of the ongoing case against absolute financial services in hopes we can recover our money lost.
Consumer complaint received 2017-11-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Rushmore LM had offered me a trial modifcation on XXXX XXXX. I agreed to it, then withdrew and resubmitted to it. It was approved, at same time i was waiting for them to send reinstatement amount to NJ homesavers hardest hit. Then i recieved notification they recieved documents, i signed the paper work with NJ homesavers and they paid {$50000.00} to rushmoreLM. {$40000.00} for arears and legal fees, balance to reduce principal. I withdrew from the trial, it was approved by Rushmore LM, they took the funds from NJ homesavers, sent notifcation of this and modification withdraw. They never returned my {$6700.00} deposit for the trial modifcation, they said its not refundable, They kept the money. They diverted these funds illegally. The check says deposit for modifcation. If there is no modification, there is no need for the deposit not to be returned
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (IL)

On XX/XX/2017 I printed out the Discover Card promotion, 0 % interest 18 months and spoke to the sales department at Discover Card, agent XXXX, ID # XXXX. XXXX   confirmed the promotion and that I qualified for the promotion, confirmed my already opened account which made the balance transfer I intended to complete easier to complete. He also said, " Its a good thing you are doing this today as the promotion ends tomorrow. '' We completed the transfer and he said I would receive a confirmation in 7-10 days. 
When the confirmation arrived, it was not the above promotion but a 4.99 % balance transfer promotion. I called and asked why I was given the wrong promotion and was told I did n't qualify as I am not a new customer. I would not have made the transfer if I did not quality for the 18 months promotion and by now the money had been transfered. 

I spoke to at least four people up the ladder who all said they would listen to the recording and get back to me. No one ever got back to me. I had to call back each time but each time I was told the same thing, " I listened to the tape and you did n't qualify for the promotion. '' I asked for them to play the recording for me as I know that if they listened to conversation they would have heard the comment XXXX made quoted above. Each time they told me the recording is proprietary and they did not need to play it for me. 

My concern is that they will delete this quote by the agent XXXX so if you would not give them XXXX 's name and ID up front but wait for their reply before revealing who the agent is.
Consumer complaint received 2017-11-17
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

My name is XXXX XXXX and I am currently a co signer on my sons loan with Nissan-XXXX account number XXXX. My XXXX XXXX XXXX was running late on the payment and I was never notified of this until my score dropped 80 points. XXXX had all my loan information and never contacted me either by phone or mail. When I asked why I was n't contacted they said they did n't have my information from my application. I feel this is unfair and untrue I had filled out all my currant information during the loan process. If they did n't fill it out I feel this is unfair as I am a loan signer and would like to be notified if my son was having financial difficulty. I have a perfect history and never has my son or I ever been late on any payment in the past. This has ruined my ability to obtain a car loan. I have spoke with managers and no one will even give me the time of day. They said they do n't have the ability to remove from my credit report which is not true. I feel they are being dishonest. I do know they have the ability to do a courtesy removal. I could see if we or my son had a history of late payments, but that not the case. I 'm almost feeling they are discriminating as all four people were XXXX XXXX. I am a XXXX women. They did n't seem interesting in helping me. I feel they were being deceptive as well as eager to allow my life being ruined. I would like them to provide a courtesy removal as we both have had perfect credit history. Its almost like they are trying to set us up for failure. All employees were short with me and not willing to work with me. I feel this is unfair. Please help as this has harmed my ability to optain a car loan in the future.
Consumer complaint received 2022-11-28
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. (TX)

Problem is with Equifax only... all other removed data that has been on credit report for more than 10 years. 

Filed XXXX disputes and phone call to Equifax ... keeps coming back that information is reported correctly and to contact source XXXX XXXX... which I did and they said it is up to Equifax to removed this account that is over 13 years old and should have been removed after 10 years. I filed another dispute with Equifax and still same XXXX response ... like its automated. Even mentioned on last dispute and phone call that I was going to file a complaint. 

Need my XXXX XXXX XXXX  accounts removed off my credit with them ... over 10 years old.
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Two weeks ago I called customer service of Bank of America Credit Card reward program asking to redeemed my {$15.00} points in any way - transfer to my checking account, as a credit in my credit card or cash by check. The agent and supervisor denied my requested even I explained them I have n't used my card since one year ago. Also, I wo n't use it because I do n't need it. They told me even If I cancel my credit card they going to hold my points {$15.00}. I told them It 's no fear. I earned those points so It 's my right to ask for them. The supervisor told me if I want to redeem my rewards I have to earn {$25.00}, it means I have to expend more money using my card. I think the bank has no right to force me use its card.I asked please the bank if I can have one time courtesy as a good and loyal customer. They denied it. Please, I need your help about this because again it 's completely unfear. Thanks a lot, XXXX XXXX Bank of America cash rewards credit card
Consumer complaint received 2021-01-20
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. (AR)

I have been trying to personally remove inaccurate information from my consumer report that does not correctly represent myself. I have contacted each credit bureau by mail stating that i would like to dispute incorrect information from my consumer report. I have had challenges with being approved with financial benefits, auto loans and other products falsely reporting my credit worthiness. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Pursuant to 15 USC 1682a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from consumer report. The definition of a credit card under 15 USC 1682 is the same as it is under 15 USC 1602 ( L ) which is the therm credit card means any card, plate, coupon bork or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card i used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as are a violation of my rights as a Federally Protected consumer under title 15 chapter 41. I have attached the letter that Ive sent to each credit bureau by certified mail.
Consumer complaint received 2017-11-17
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: Experian Information Solutions Inc. (OR)

Last week I became the agent for power of attorney for my elderly aunt. She was the victim of mail fraud in the distant past. I would like to see her current credit report to make sure the information is correct and ultimately freeze her credit, because she no longer needs it and I wish to protect her from identity thieves. Thank you.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I was granted a COVID Forbearance plan. During the forbearance plan I missed a little over a payment and a half. In XXXX I wanted to bring the loan current. I asked that the lender defer the missed payments. Upon reciept of the paperwork I notice that there would be a negative reporting on my credit. I asked to pay the deferred amount back to bring the loan current. The lender has refused. I have called over 12 times. This is clearly illegal. I never signed any paperwork. Loancare unilaterally made this change without fully informing me of the remifications and getting a signature. Additionally, my wife is a co-borrower and she never signed or consented to anything. Finally, they are refusing to accept my money to take it out of deferral thus making it impossible for me to refinance not only this property but any property I would own or want to own in the future.
Consumer complaint received 2017-11-16
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. (GA)

The 3 major credit reporting agencies are listing numerous Credit Inquities which are not linked to any accounts that I am a holder of. I am Im the process of trying to purchase a home and these Inquiries are an issue. I understand that an inquiry should not be on my file unless I have authorized it so I am kindly requesting that these be removed from my credit because it is making it difficult for me to proceed with home ownership.
The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit.
2. Insurance.
3. Court Order.
4. Employments.
The following Inquiries are not related to any of the aforementioned permissible and I would like them to be removed. Some of these Inquiries are so closely dated that I am certain they are unauthorized.
1. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 2. XXXX XXXX Dated XX/XX/XXXX( 3 Bureaus ) 3. XXXX XXXX XXXX DatedXX/XX/XXXX ( Equifax ) 4. XXXX XXXX Dated XX/XX/XXXX ( XXXX and Equifax ) 5. XXXX XXXX  Dated XX/XX/XXXX ( XXXX ) 6. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 7. XXXX XXXX DatedXX/XX/XXXX ( 3 Bureaus ) 8. XXXX Dated XX/XX/XXXX ( XXXX ) 9. XXXX Dated XX/XX/XXXX ( Equifax ) 10. XXXX Dated XX/XX/XXXX ( XXXX  ) 11. XXXX Dated XX/XX/XXXX( XXXX ) Please do not hesitate to correspond with me if you need further information and I am grateful for your kind assistance.
Consumer complaint received 2021-01-09
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)

i am requesting that these accounts be blocked from my credit report because they do not belong to me and i believe they are the result of fraud. i have reported these accounts to the federal trade commission, which in fact is a federal law enforcement agency just like my local police which i also filed a complaint with. im also including my current utility bill, social securtiy card and my california drivers license to verify my identity. please see attached ftc report and police report to have these accounts blocked.
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

I was approved for a Care Credit medical credit card in XXXX of 2019. The purchase made was in the amount of {$5800.00}. It was advertised that with minimum payments that this debt would be paid in 6 years. I have been making the minimum payment required for the last 6 months and noticed that my balance was not decreasing ; it was remaining the same. On the statements, there is a section that advises me that making only the minimum payment would take me 6 years to pay off the debt and that I would pay a total of {$7600.00}. When I called them about the issue, the customer service representative advised me that because I have card security, that payment was incorporated into the minimum payment resulting in me paying the monthly interest fees and card security fees only which none of my payment is going toward the actual debt itself. The total amount that I have paid since I received this card and been making the required monthly payments is around {$3500.00} yet only about {$430.00} of the debt has been paid. Prior to beginning card security, my minimum monthly payment was {$140.00}. After card security, my payments went up to {$170.00} and have slowly increased over time. The minimum payment for this month is {$170.00}. I was advised that by adding the card security that I would pay this fee in addition to my minimum required payment for this debt. I was advised that the card security fees would be in addition to the minimum required payments hence the reason my minimum increased to {$170.00} from {$140.00} when card security was obtained. This needs to be corrected because something is not right here.
Consumer complaint received 2021-01-20
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 (MD)

I received at late fee on my Capital One Credit Card account ending in XXXX on XX/XX/XXXX.Due to the pandemic I have been facing difficulty & asked for this fee to be waived. When speaking with a representative I was told the late fee could not be waived & the representative could not tell me why- further stating the computer does not give the reason for denial. I did hear another representative issuing a fee waiver for another customer while speaking with the representative.Capital One is refusing to extend the same courtesy to all its cardholders, which is discrimatory, why am I not given the same courtesy as other cardholders- furthermore why is Capital One refusing to give a valid reason as to why Im being denied the courtesy. Capital One wants to avoid admission by creating a false narrative- blaming the denial on a computer generated system. Computers are programmed to operate as intended- it is unethical for a company to deny a consumer the same courtesy as all cardholder- that is infact discrimination, while blaming the denial on a computer generated & refusing to give the cardholder a reason for the denial. I spoke with a representative in a leadership position by the name of XXXX XXXX & was told I could not be given more information the system simply said " I did not qualify '' - however- Capital One has stated cardholders are given a courtesy each year, XXXX reminded me I was given a waived fee in XX/XX/XXXX ( during the pandemic ) ; it is now XX/XX/XXXX- the pandemic is still affecting milliions of people- why am I not given the same courtesy as other cardholders for the XX/XX/XXXXyear.? Capital One is using discriminatory practices by not offering the same courtesy to all its cardholders, this is unethical, discriminatory which is illegal.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

XX/XX/21 received letter about a balance of {$1600.00} - XX/XX/21 went on XXXX XXXX XXXX XXXX XXXX XXXX WEBSITE - made a payment plan to pay down debt - XX/XX/21 received a summons to appear for conference mediation regarding said debt. No notice, no nothing, some random guy showed up at my house - said you are being served, handed me papers and walked away. That was it
Consumer complaint received 2024-08-24
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: EQUIFAX, INC. (PA)

Dispute of Fraudulent Hard Inquiries - Request for Removal under FCRA XXXX XXXX Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution. 
Enclosed with this correspondence, you will find detailed documentation supporting my claim, including copies of my consumer reports highlighting the erroneous inquiry. 
I kindly request the assistance of the CFPB in investigating and resolving this matter promptly. Your intervention in correcting this mistake would be greatly appreciated. 
Thank you for your attention to this issue. I look forward to your prompt response and assistance in rectifying this situation.
Consumer complaint received 2021-01-20
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: EQUIFAX, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.