davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (KS)

On XX/XX/2019 I purchased a cashier 's check in the amount of {$1100.00} for my regular mortgage payment. After leaving my bank, I noticed that I had had it made payable to XXXX XXXX XXXX XXXX XXXX, rather than Penny Mac Home Loans. I marked through the " XXXX '' and wrote " Penny '' above it. The check was mailed. On or about XX/XX/2019 I received a letter from PennyMac Loan Services, LLC stating that the check had been returned to my financial institution as " unpaid '' and that I needed to submit a payment. After receiving this letter, I tried contacting PennyMac on a weekly basis to see what had happened with my check. On XX/XX/2019, I went into my bank and spoke with an officer with the bank. She explained that the check had NOT been returned to the bank as " unpaid '', instead PennyMac deposited the check into their account with XXXX XXXX XXXX She assisted me in contacting PennyMac, and on XX/XX/2019 provided a copy of the front and back of the paid check. She also contacted, with my permission, PennyMac to try and resolve this issue. Over the past two months, at least four attempts have been made by myself and my bank officer to try and get this resolved. Representatives at PennyMac will tell me that the situation has been " escalated '', but that I am due for what amounts to the XXXX payment. Last Thursday, XX/XX/XXXX, I received a phone call from a XXXX at PennyMac who stated that the payment had not been made, all investigations were complete, and that if I did not make another payment I would be turned over to a collection agency, late charges assessed, and reported on my credit. I have made more than adequate efforts to resolve this issue. PennyMac deposited the check into their account, and without it being returned by the paying bank, it was a properly payable check, and yet they refuse to resolve this issue that they ultimately created in XX/XX/2019 ; it is now XXXX.
Consumer complaint received 2019-05-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

On XX/XX/2019, I had an alert by my credit monitoring service that Equifax is reporting a new inquiry by a company called XXXX for a bank card on XX/XX/2019. 

I did not apply for a bank card with this company. 

On XX/XX/2019 I attempted to report this inquiry as fraudulent to Equifax through their website. The website informed me that I could not get access through the web to my personal information even though I had set up an online account with Equifax on XX/XX/XXXX to report a fraudulent new credit inquiry on XX/XX/XXXX by XXXX XXXXXXXX XXXX 

I was directed to call XXXX. I called 3 times on XX/XX/XXXX. I could not navigate the phone tree to reach an operator. Each path down the phone tree took me to a recording that instructed me to go though the website that directed me to call the number. 

On XX/XX/XXXX, I called XXXX and was directed by the operator to call XXXX. The operator at XXXX asked me security questions to identify myself. I believe that the correct answers to the security questions were based on fraudulent information as they were asking about credit accounts that I do not have. I could not " correctly '' answer these fraud based questions and so I was informed that I can not proceed to discuss my account. 

On XX/XX/XXXX I put a freeze on my account with XXXX and XXXX. I do not know if my credit is frozen through Equifax. I do know that there is at least one fraudulent credit inquiry on my Equifax report, but there may be 2. I reported the fraudulent XXXX   inquiry as fraudulent but I can not get access to my account in order see how the findings of their investigation into that credit inquiry. 

I fear that the XXXX inquiry resulted in opening an account because I can not even dispute the credit inquiry since I can not prove my identity to Equifax. I believe that my identity information has been used to open accounts that I am not aware of and that that information is being used as " security '' questions when I am trying to access my credit file with Equifax. 

Please help!
Consumer complaint received 2021-07-23
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: EQUIFAX, INC. (NC)

I have disputed fraudulent derogatory items and inquiries multiple times but they are still reporting on my credit file. I have sent in a copy of my identity theft report along with copies of my police report, ID, and SSN. I am a single mom of three and trying to purchase our first home but the fraudulent items are hindering me from being approved.
Consumer complaint received 2019-05-20
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. (AL)

I called EQUIFAX after i GOT a alert to check my XXXX..for NEGATIVE remarks..once i logged in i found that every single account with EQUIFAX was being disputed..i had requested on line ABOUT a week or to ago..to dispute 2 items..1 was with XXXX XXXX & the other with XXXX XXXX XXXXXXXX..1 WAS ON THE PHONE WITH 2 DIFFERENT REPRESENTATIVES AND THEN I ASK FOR THE MANAGER OR  SUPERVISOR.. 
I EXPLAINED THAT SOME ONE SOME HOW ON THIER END MADE A ERROR ON MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CREDIT CARD ... ALL THESE ACCOUNTS ARE MY ACCOUNT AND WAS NOT DISPUTED BY ME..I EXPLAIN THAT THESE ARE MY CREDITORS. THESE ACCOUNTS OR OPEN AND IN GOODSTANDING.. 
BUT THE SUPERVISOR INSISTED THAT SHE SEEN WHERE I WENT ON LINE ON THE XX/XX/2019 AND DISPUTED EVERYTHING ON MY EQUIFAX REPORT AFTER ABOUT A HOUR AND 1/2 I TOLD THE FEMALE I WAS SPEAKING TO THAT THEY WOULD BE HEARING FROM ME AGAIN ... WHY IN THE WORLD WOULD I DISPUTE MY ENTIRE EQUIFAX CREDIT REPORT IT DIDNT MAKE SINCE. 
IF I FILLED THESE DISPUTES ON THE XX/XX/2019 WHY IM I SEEING RESULTS ON XXXX..SOMEONE PLEASE HELP ME IVE HAD ENOUGH OF EQUIFAX AND THIER ERRORS ON MY CREDIT REPORT!!!!!
Consumer complaint received 2019-05-19
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: U.S. BANCORP (NY)

XX/XX/2019 - It was reported that US Bank requested a copy of my credit report from XXXX, which I did NOT authorize. 

XX/XX/2019 - I was notified via email from my credit monitoring service that there had been an inquiry made on my credit report. I was furnished with the name and telephone # of US Bank if I deemed this to be in error. 

The telephone # provided for US Bank was a recording regarding mortgages, after which the call disconnected me. 

I then called US Bank 's fraud department ( XXXX the # ) and explained the situation to an agent. I did provide my name and SS # so the US Bank agent could verify if there was in fact a credit application made using my information. I was told no results were found? The agent instructed me to contact XXXX. 

XX/XX/2019 - I attempted to resolve this online with XXXX  however, was instructed to call the agency as the issue couldn't be taken care online. The XXXX agent was NOT helpful, just recited a lengthy set of instructions I needed to follow to resolve the issue! The first step was to again contact US Bank. 

I again called US Bank, using the original # I was provided. There was another # indicated in the recording, so I called this #. After 3 HOURS of being transferred to multiple depts., asking for my acct # ( I do NOT have one ), searching their records for an active credit application in my name ( some agents reported no application, while other agents did find one? ) and relaying my issue MANY, MANY times, I was told that a consumer dispute would be opened and my issue would be absolutely be resolved. 

XX/XX/2019 - UNBELIEVABLE! I receive a letter from US Bank ( dated XX/XX/XXXX ) stating they are unable to investigate based on the information I provided and in order to continue with the investigation, I need to submit the following : - My name, address and telephone # - PROVIDED XX/XX/19 ... ... 

- Copy of my consumer report showing the inquiry - US Bank made the inquiry, UNAUTHORIZED, US Bank should have the documentation. 

- An explanation from me as to why I would like the inquiry removed. You have got to be kidding me, I explained this several times to several US Bank agents on XX/XX/XXXX. 

XX/XX/2019 - I am thoroughly disgusted with the manner in which US Bank and XXXX have handled my identity theft/fraud issue. How about we train employees to assist consumers with some professionalism and empathy? Instead I get to waste several hours of my time with ignorant, inferior and at times rude employees who apparently think I am wasting their PAID time.
Consumer complaint received 2019-05-19
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. (NY)

I had applied for a XXXX account a few months ago. Upon checking my credit report with transunion it shows 2 inquiries instead of 1 both on the same day. Having an extra inquiry on my report does not help my credit score. There was only supposed to be 1 inquiry not 2
Consumer complaint received 2019-05-19
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. (OK)

hard inquiries fraud i did not authorize them i call the company they said they can't help me both companys transunion and XXXX i want all this hard fraud inquiries deleted or i will take TransUnion and XXXX to court and post it all over social media and call the new channel i really mean it am hurt and i need it remove asap transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2019-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliance One, Inc. (ID)

I had a collection that was deemed fraudulent. I was told once they investigated, if it was fraud and I had paid it, I would be given my money back. I paid the full amount so my credit report would stop being affected. Now that the investigation is over and XXXX XXXX found it fraudulent, the collection agency doesnt respond. Their phone system doesnt work. I spoke to XXXX XXXX ( a supervisor ) once. He told me his boss would have to get my file opened because it had been archived. Ive tried for two weeks now to speak to anyone at the company and the only line that works is the receptionist and Ive been disconnected every time she tries to transfer me. XXXX at XXXX XXXX in the fraud department confirmed she submitted to Alliance One the documents showing it was fraudulent and my money should be refunded to me. She did that on XX/XX/XXXX.
Consumer complaint received 2019-05-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/2019 Transunion customer service would not help and take care of the erroneous inquiries that I reported to them on my credit report. I spoke with two customer service agents at thier organization that were very unprofessional and didn't offer any solutions to my issue.
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Butte County Credit Bureau (CA)

Butte county credit bureau was sent 2 letters from from my attorney I filed a Chapter XXXX Bankruptcy Case XXXX-XXXX. 
Butte county credit bureau I tried to work with them on why they keep credit reporting me every month when I filed bankruptcy and they were notified it was a chapter XXXX by the attorney they told me I still owed the money and had the right to continue to credit report until it is paid in full or charged off.
Consumer complaint received 2019-05-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC (LA)

After viewing a copy of my report, I noticed a collection account placed on my credit report from Firstsource Advantage , LLC on XX/XX/2019 in the amount {$200.00}. First and foremost, I have confirmed that the debt collector, Firstsource Advantage , LLC is not license in the state of Louisiana to collect on this debt. Secondly, Firstsource Advantage , LLC violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Firstsource Advantage , LLC? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Firstsource Advantage , LLC has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and demanding payment from me in the amount of {$200.00}.
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (CA)

XXXX sent me collections for {$800.00} regarding an XXXX. XXXX claims I never sent the XXXX back. I sent the debt collector the receipt from the box I shipped back containing the XXXX in excellent condition. The collection was removed from my credit report from providing evidence. XXXX then had my collection transferred to another agency so it remained on my report ... Ive already proven this is a false debt and they will not remove.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-05-19
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. (MO)

The following information on my credit report is incorrect and unknown to me, I'm demanding that these accounts be blocked for my credit files. The following accounts are, ( 1 ) XXXX XXXX {$290.00}, and ( 2 ) XXXX XXXX XXXX
Consumer complaint received 2019-05-19
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. (MO)

These accounts reporting on my credit file does not belong to me and I'm demanding that these accounts be blocked. If you as the reporting company can not provide me with physical documentation of a signed contract in regards to these accounts then you must remove them in accordance with the FCRA laws.., these accounts shall be blocked, 1 ) XXXX XXXX {$820.00} 2 ) XXXX XXXX {$670.00} 3 ) XXXX XXXX {$120.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX - XXXX XXXX. XXXX 6 ) XXXX XXXX XXXX - XXXX XXXX, XXXX
Consumer complaint received 2017-07-12
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. (TN)

I requested that Transuion remove several unauthorized inquiries from my credit report. I made them aware that I had no knowledge of the inquiries. I spoke with a supervisor at transunion on XX/XX/XXXX ( XXXX XXXX ) who refused to remove the inquiries. The inquiries were made on various dates and are listed below XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2020-09-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WI)

I got a solicitation call with an offer to refinance from Freedom Mortgage loan rep XXXX XXXX on XX/XX/XXXX. I called back to act on the offer and was referred to XXXX XXXX who took the info and initiated the loan. Few days later I got a phone call to schedule the sign date with notary agent. That was the only time I was asked if I had any questions. We set and appointment on XX/XX/2020 at XXXX for notary agent to come to our home for us to sign new loan agreement. I was expecting closing disclosure prior the appointment to sign date on XX/XX/2020. We should had at least 3 days to review it and contact to ask questions. When didn't get our new agreement to review - I called and left several messages in period from XX/XX/XXXX and made last attempt to get any information about charges and fees during the appointment on XX/XX/XXXX, as the notary agent brought 2 copies of the loan agreement with her. None of those calls were returned and I made more then 2 dozen of them and left notes and messages to 10 different people. 
In the new loan agreement we've got from notary agent our loan amount was increased by {$2800.00}, there were fees that were not spelled clearly and their amount was different from {$690.00} that we were informed by. Our closing disclosure had XXXX XXXX XXXX as a contact, we never spoke to that person either. 
XX/XX/XXXX I got an e-mail from XXXX XXXX ( Escalations Team Agent ph # XXXX ) with an offer to give her a call. I tried to call, left several voice messages, replied to e-mail but got no rely or call back. I also sent a copy of that e-mail to her supervisor XXXX XXXX and left him voice messages several times ( on XX/XX/XXXX and XXXX ) with the same result. My last communication attempt was XX/XX/2020. That is 3 months of me calling Freedom Mortgage and them not returning my calls.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX [ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, md XXXX Re : Disputing error [ s ] on credit report Dear XXXX XXXX XXXX I am  writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : Dispute 1 [ These are examples. Pick the ones that apply to your credit report. ] Account Number or other information to identify account : [ XXXX XXXX XXXX, reported balance {$1100.00} ] Dates associated with item being disputed : [ XXXX XXXX ( 3 years, 9 months ] Explanation of item being disputed : [ Insert a detailed explanation of why the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] The report shows I currently owe money to your company that is not accurate. I stopedstoped using XXXX in XX/XX/XXXX as I didn't have any contract at a time, as I also was travellingtravelling XXXX to stay with my for awhile I stayed there for 3 years before I returned back in the states. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (FL)

On XX/XX/XXXX I received a call from Quicken Loans. The purpose of the call was to sell me a refinance or other loan. From the beginning of the call I stated that I did not want my credit report pulled as the loan I have currently is only a few months old. Quicken already has copies of my credit from a few months ago. Throughout the call, the lender stated " I just want to make sure I'm giving you the best deal '' and also to make sure who he was talking to, verified the last 4 of my social. Towards the end of the call, he stated my report numbers, and I asked him if he had did a hard pull of my credit. He said not to worry, it falls off within a couple months. I told him again that I stated at the beginning of the call I did not want another hard pull on my credit, and I ended the call. 


I followed up with a dispute with Quicken Loans, and was assigned a case worker. 
Case # XXXX XXXX XXXX Quicken Loans | Executive Resolution Advocate Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Ext. XXXX XXXX XXXX stated he listened to the conversation, and agreed that I stated that I did not want my credit pulled at the beginning of the call, but I " didn't object '' to when my credit was being pulled. I didn't know that a new inquiry was happening, nor did I give authorization for it to be pulled.