davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
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)

XXXX  card on XX/XX/year> appears on my credit File with XXXX in which i did not apply or ever had. 

XXXX has done fraud and cause me damage in my score with a hard Inquiries as shown on my credit file. 

Proof of who applied How they applied Hard Inquirie by XXXX with out my consent On credit file - REASON : UNSPECIFIED state what why or applied for or use of the credit transaction for credit
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reported Identity theft and had someone else using my SSN to take out no credit loans. My SSN was used of someone to get a tax refund as well. I had 69 hard inquiries on my XXXX  as and about the same amount on XXXX and transunion as well. Ive reached out to all the credit Bureaus to get my credit report fixed. XXXX  and XXXX  removed everything that was incorrect within 30 days and without a problem. Transunion on the other hand I've paid countless times for there services and everytime I never can lot in again. In the last 60 days I disputed multiple incorrect items on my credit report and nothing changes. I just paying for another services last week and again still can see my credit report. Ive call and spoke with them and this last time they offer a free month for there services and it only lasted a week. My credit score has gone up about 80 points because of the other credit bureaus and it would be almost perfect if transunion would do what i paid for. They have or had not sure yet because i cant login a activated credit card account I have listed as closed. XXXX XXXX and XXXX XXXX XXXX had items collects and both companies have been removed from the other credit bureaus. I want my money back and for them to actually dispute incorrect information on my credit report.
Consumer complaint received 2019-12-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX  OR TRANSUNION, ALTHOUGH XXXX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE
Consumer complaint received 2019-12-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have the company credit card and received email that if I open a 360 money market account with the new money from other institutions and deposit {$50000.00} on the account and spend {$500.00} on the credit card and leave the money in the account for 90 days I will receive XXXX reward points. I opened the account on XX/XX/2019 deposited {$50.00} K  spent {$500.00} on credit card. I withdrew the {$50.00} k out of the account on XX/XX/2019 which is 125 days, I called so many times and for the past month they said wait longer when I called today the Representative said you did not leave the money long enough in the account it should have stayed there till mid XXXX to be qualify for the reward and she said there are some fine prints that explain this practice. to me it is obviously a false advertising and miss leading consumers and they think because they are big they can do any thing, it is wrong, wrong, wrong. 
Shame on them
Consumer complaint received 2018-12-21
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: Experian Information Solutions Inc. (CA)

The following account was fraudulently opened in my name. I am a victim of identity theft and did not make the charges. CFPB, I am requesting that the item be blocked to correct my credit report XXXX/XXXX XXXX
Consumer complaint received 2020-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am doing a loan modification with Bank of America. The trial period ended in XX/XX/XXXX with the permanent modification to start XX/XX/XXXX. BofA made an error in XXXX and took a little to get it resolved so a rep told me ( XX/XX/XXXX ) I had to make another payment in XX/XX/XXXX, which will go to my first permanent payment. I called to schedule the payment XX/XX/XXXX. 
Today I received a letter from BofA telling me to make my first permanent payment XX/XX/XXXX and a payment in XX/XX/XXXX is not required, but if I make it, it will be applied to the end of my loan. 
There is a big difference in " you have to '' and " not required ''. 
I called BofA to ask them to apply the payment to XXXX, but was told no and if I didn't make another payment in XXXX, the modification would be denied. 
I would not have made a payment that was not required.
Consumer complaint received 2019-12-17
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. (NC)

I contacted Experian 2 months ago concerning accounts on my credit report that I didnt open. I filed an FTC report as well as a police report. They completed the dispute and blocked all the accounts in question due to Identity theft. Recently as of today, Experian put these accounts back on my credit report. I contacted them to report what was done and they gave me no help at all. All these accounts in question were removed due to Identity theft. Now these accounts have been placed back on my report. This is not only unusual but I think someone that works at Experian has a personal vendetta against me for some reason. I have recached out to Experian 5 times and no resolution. Please help me!!
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Yamaha Motor Finance Corporation USA (NY)

I was recently notified By Yamaha Motor Finance Corporation U.S.A that my account was closed when I called in to make a payment. On my statement it was stated that I had not made a payment in 120-180 days. 

I tried to resolve the issue with them personally on XX/XX/2019 but they said that they had already charged off my account and that there was nothing that could be done. I felt was unfair and shady because it was such a small amount to be charge off. The credit card that I had was a {$15000.00} limit, and there was probably {$2300.00} left to pay off under 15 % of the usage. I feel like they are approving consumers for really high limits yet are very quick to close out accounts for their own purposes. 

I feel like this should be investigated, because even after I was told my account was charged off I STILL tried to make {$300.00} payment on the account. I got a confirmation email saying that this payment would be taken out on XX/XX/2019. The money was never taken out of my account once again. I feel like this is something that has continuously happened to me and that why this has ended up as a charge off account. 

I call in to make my payments and it is not being taken out of my account during the time set up. I feel like this is final proof that when I make payments they are not doing a good job at following up. It is the XXXX and there has been no pending charge from them. I gave them the correct banking information when I last spoke. I just called in again and they said their " system '' was down. I do not want to be penalized when I actually have been making payments but they are not following through with taking it out.
Consumer complaint received 2019-12-09
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. (CA)

I have contacted the collection agency XXXX XXXX directly, as well as, Equifax, since XX/XX/2019 disputing the error that is being reported in the amount of {$3600.00} and another account for {$4100.00}. This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2019-12-17
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. (NJ)

I was the victim of theft on my account to the tune of {$2000.00} with my stolen debit card and I told Chase Bank this and they simply did nothing and reported my account to XXXX. 

I made it clear over and over this charge was not authorized by me and even filed a police report but nothing was done and now I am dealing with the inability to deal with certain financial institutions over this.
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have consistently stated amount of debt on capital one CC was incorrect and has had a XXXX balance for over a month. Neither XXXX  XXXX  or XXXX   seems to correct there score and debt owed. I paid down on XXXX XXXX   {$7000.00} on car loan with a balance of {$2500.00} approximately and they refuse to correct They bounce my credit score up and down 20-50 points every few weeks. I report they sometimes fix but the next reporting period drops down for NO apparent reason Please let them know
Consumer complaint received 2019-12-09
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)

I have contacted the collection agency XXXX directly, as well as, Equifax, since XXXX, 2019 disputing the error that is being reported in the amount of {$1600.00} Account XXXX XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2019-12-07
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. (CA)

XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX Telephone Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  XXXX Miscellaneous Reptg. Agencies Inquiry date :  XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX  Miscellaneous Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX Personal Loans Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX/XXXX XXXX State Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 

XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX  Miscellaneous Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


US DEPARTMENT OF EDU State Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  - XXXX National Credit Card Cos.

Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry.
Consumer complaint received 2019-12-09
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)

Despite disputing various inquiries with the creditors and all three credit bureaus, I get form letters that are not resolving the issue. I provided proof that I did not authorize the inquiries. There have not been any deletions of the erroneous information affecting my score and quality of life due to many inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SOLTUIONS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NY)

XXXX, I found a XXXX XXXX account in collection on my credit reports. This is not my account. It was opened at an address that I have never resided, or know anyone who ever resided there. I contacted the Convergent which is the collection agency XXXX XXXX used to advise them of fraud and next steps. 
I contacted XXXX, XXXX  and XXXX  to dispute the collection amount and the account. 
XX/XX/2019 I filed an identity theft report with FTC. 
Convergent agent told me I would receive a statement in the mail of the charges and I could use said statement to file a police report of identity theft. 
XX/XX/XXXX, I filed an Identity theft claim on FTC Website. 
On XX/XX/2019, I received a statement from Convergent statement that XXXX did not accept my dispute and fraud claim. 
XX/XX/XXXX, I sent a letter to XXXX to advising them of the fraud.
Consumer complaint received 2019-12-06
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: ERC (MI)

Enhanced Recovery Sytems is reporting an account to XXXX   and XXXX  for {$190.00} this does not belong to me, I have no knowledge of what this is, and never done business with this company. This bad information is negatively impacting my credit. Stop reporting this bad information to my credit bureau 's.
Consumer complaint received 2019-10-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (WA)

My husband and I were contacted by XXXX XXXX on or about XXXX XX/XX/2019 to " streamline '' our VA mortgage loan with Mr. Cooper ; this is our current mortgage company and has been for nearly ten years. My husband and I agreed and electronically signed paperwork, that XXXX XXXX emailed, to start the process as we have done before with Mr. Cooper. During the email Mr. XXXX was having difficulty locating my email that was on file with Mr. Cooper. He openly admitted he emailed the wrong address and then asked me for my email. My response was the one on file. At that time Mr. XXXX repeated my email address and correctly sent information to me. We were told someone from another department would contact us as to where our loan process was at in the near future ; we would also be getting a packet sent via USPS. As such my husband and I awaited information from Mr. Cooper LLC. 

On XX/XX/2019, a gentleman by the name of XXXX XXXX XXXX contacted my husband and I via phone ( the phone number listed on our loan paperwork ). Mr. XXXX informed me that our personal and private information had been sent to him by Mr. Cooper LLC. He was unsure what to do with the information. I asked what information Mr. XXXX replied, everything ; social security number, loan details, birthdates, phone numbers, relatives etc. I immediately told the loan processor, XXXX XXXX to stop all loan processing in an email. I also stated to Mz. XXXX the conversation held with Mr. XXXX, a third party, about the breach of our confidentiality by Mr. Cooper LLC. The mortgage company had XXXX XXXX contact us. Mr. XXXX states this has never happened before and they are unsure how it happened this time. My husband has been dealing with Mr , XXXX to find out what they are doing to track down exactly where our information has gone. Neither my husband or I know exactly where our personal and private information has been sent ; neither does any one at Mr. Cooper LLC. The mortgage company has set their interests as the primary concern. My husband and I are left open to identity fraud and theft. We have since had Mr. XXXX send us the packet of information Mr. Cooper LLC sent to him. That arrived via USPS XX/XX/XXXX. We have also contracted a company offered through our banking entity to monitor our information as best they can.
Consumer complaint received 2019-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act.
Consumer complaint received 2021-12-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

Hello, Pennymac Mortgage currently holds my mortgage ( which I refinanced in XXXX and then Pennymac subsequently purchased ). They call me constantly to refinance again. I called them in XX/XX/XXXX to have them remove me from their list. They assured me they would stop calling me about refinancing ( and while I was on the phone with them, they tried to sell me a refinance again ). They typically call me 5-6 times per week. Please help. 

Thanks, XXXX
Consumer complaint received 2019-12-09
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: Experian Information Solutions Inc. (TX)

I have disputed the following accounts/Companies on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reason I disputed these accounts on my credit report because it is incorrect and has inaccurate information and some accounts are even in violation. 
I initially contacted Experian, XXXX, XXXX on XX/XX/2019 and they sent me a letter saying the results are verified which is incorrect. 
I again reached out to Experian, XXXX, and XXXX on XX/XX/2019 asking for ( method of varication, The name of the original creditor, The creditors address and telephone number, The persons name you verified the dispute with, The documentation used to verify the dispute, The ORIGNAL documentation with my signatures on it from the original creditor ). They responded and told me they will not reinvestigate. I sent a 3rd letter on XX/XX/2019 asking for a complete description of all methods of verification and they have not responded in the allotted 15 days that's given for them to respond.
Consumer complaint received 2019-12-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Cohn, Goldberg & Deutsch,LLC (MD)

On XX/XX/XXXX, I did a refinance on my home XXXX XXXX XXXX XXXX XXXX. with XXXX XXXX XXXX, XXXX. In XXXX we had to file bankrupcy to try to save my home. It appears that attorney 's XXXX XXXX XXXX, Cohn , Goldberg & Deutsch , LLC handle the foreclosure process & the bankruptcy, my husband was put on one court docket as the Debtor, my husband name is not on the deed, it seem to be personal because on my XXXX XXXX credit report a XXXX XXXX XXXX, & XXXX XXXX was on my report.