davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$850.00} XXXX XXXX {$800.00} XXXX XXXX {$460.00} XXXX XXXX {$720.00}
Consumer complaint received 2020-06-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (MD)

I was just informed that I am Disqualified for an IRRRL refinance loan due to a COVID-19, Mortgage company Approved, ONE Month Forbearance ( Where I did pay the interest ) in XXXX. 

So ... Basically, I am not afforded the opportunity of a lower interest rate due to a World-Wide Pandemic that I worked through??? 

I took a 30 % pay-cut for XXXX and XXXX. I asked Sun-West Mortgage company for a 3 month forbearance. I paid {$900.00} on interest in XXXX. In XXXX, I paid {$3000.00} and was caught back up because my salary was restored since I was considered essential and worked through the mayhem. 

This is the most ridiculous set of rules. WHY in the world would this be acceptable? 

Please change these rules for IRRRL qualifications. An approved forbearance due to this pandemic, especially one that was only used for one month, should in no way, disqualify an individual that has been, is doing and will continue doing the right thing. 

Please help while interest rates are low. I'm at 3.25 % but qualify for 2.75 %. That's an extra $ XXXXmonth! 

Regards, XXXX XXXX
Consumer complaint received 2024-09-02
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-09-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ABR Recovery Services LLC. (MI)

Could not verify my debt, did not recognize amounts, would not provide address or information to verify if they were legitimate, left voice message threatening to come to my residence or place of employment, acted very suspiciously and made notion of it being pre-trial remediation
Consumer complaint received 2020-06-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

" I am submitting another complaint because I could not upload all the documents ''. 

This has been an ongoing nightmare for 18 months. I applied for a mortgage modification because I was in default for XXXX in XX/XX/XXXX. XXXX. It was a payment of XXXX. Bank Of American prolonged this until XX/XX/XXXX, because they wanted to add fees to the account. I sent in document after document for 11 months. I could not pay the XXXX dollars off because they added XXXX dollars to the total amount. When I got the document papers, I was told the trial payment was for almost XXXX instead of the XXXX I was told they added escrow payments. I pay escrow payments to my primary mortgage. I sent document after document to Bank of America. I paid XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I was told my payment for XXXX was XXXX. Ironically, a paid the payment with a representative. I received a note from BOA saying my bank account was not found. ( enclosed ) On XXXX XXXX I received another document from BOA entitled trial modification ( these are enclosed ) saying my payments would be {$380.00}. The documents had to be received by XX/XX/XXXX. Again they added the escrow and added in {$2.00}, XXXX. They keep adding these " third party expenses '' to my balance. They have added it 3 times. I am begging your agency to help me. I am enclosing my primary mortgage statement to verify I am paying my escrow to XXXX. I am enclosing the documents that BOA sent me. I am enclosing the XXXX payment that BOA claims they cant find my account at XXXX XXXX. 

ATTACHMENTS Image ( 12 ) .jpg ( 418.3 KB ) Image ( 13 ) .jpg ( 373.4 KB )
Consumer complaint received 2020-06-23
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. (CA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX {$1000.00} XXXX {$1400.00} XXXX {$440.00} XXXX {$13000.00}
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: ARVEST BANK GROUP, INC. (CA)

In XX/XX/XXXX I received a Chapter XXXX discharge of all my debts, and in XX/XX/XXXX, Central Morgage Company XXXX, a mortgage servicer, gave me a mortgage modification agreement in which they created an escrow account to pay all my taxes and insurance as is customary. In XXXX of this year, the tax collector XXXX came to my door with a letter saying I had 30 days to pay off over $! XXXX in back property taxes with penalties and interest for the tax year XXXX. Perhaps I thought the taxes had been discharged in the bankruptcy or that Central mortgage had included them in the escrow because I did not pay thoses taxes, nor did the XXXX XXXX tax Collector inform me that this debt was accruing. It turns out that in small print of their annual tax statement, there is a small note, amost too small to notice, that back taxes were outstanding. the terms they offered for paying these taxes were unreasonably harsh, so I submitted this bill to Central Mortgage which they forthwith paid in full to protect their own interest in the property. Now they want me to repay this tax bill at the rate of {$1100.00} per month on top of my {$2600.00} a month mortagage payment for a total of {$3700.00} per month. I told them that I could not afford this payment and asked them to either remodify my mortgage or to spread the tax bill out over a longer period of time to make my payment more reasonable. They took over a month to ponder my request and have just refused to take any steps to make myi payment more reasonable. I find this to be very unreasonable and woud like help in resolving this matter more to my favor lest I lose my home. Also, I would like to know if I have any legal recourse with resepect to this usorious and totally outrageous tax bill.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (AZ)

When Covid-19 started my account was current. I tried numerous times to work with Acima Credit, called 7 times they told me they had no program for COVID-19. Every time I called they kept increasing the payoff. Then they reported negative delinquent to XXXX. This is illegal during COVID-19 They cant report anything different until 120 after COVID-19 ends. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (NY)

As of XX/XX/year>, upon reviewing all 3 of my credit reports I.E. XXXX, Experian and XXXX. They all reflect unauthorized hard inquiries on them.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2020-06-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank Of America Mortgage Account numberXXXX Hi, I spoke to a rep and I have a 6.625 % interest rate- I asked to refinance and they said I could not because I am in a DEFERMENT program. Rates are very low and it would help me out along with me reading that banks are offering to streamline refinance consumers. I need help getting this process started- I have a great credit score and should be able to take advantage of the low interest rates-
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (IN)

I XXXX XXXX XXXX opened up the account in XX/XX/2020 and they sent me a Statement with my Routing number and checking account number and member number, and they still have my account on hold and my money is from : Social Security Administration, Retirement XXXX Insurance I won a Lawsuit in Indiana.And Pentagon Federal Credit Union has frozen my Account and I have not received my money for XXXX XXXX because Pentagon Federal Credit Union has a hold for no reason
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IN)

On XX/XX/2020 i had open a bank account with XXXX XXXX, with it been so recent obviously i couldnt have a debit card right away to have access to funds. i had a cash app account well i decided to go ahead and transfer {$400.00} over and have it handy within seconds according to cash app it available in minutes.Thats when my nightmare starts XXXX eve no money in bank or no money in cash app. I tried to contact cash app, but obviously they have no live customer services making it the worse to get an answer. On one hand cash app no response, other hand ( than they understand and that they will do everything they can to make it right and keep me happy key bank was willing to cooperate ) This goes on yet still today and nobody can do anything about i have over 100 emails back and forward including one from XXXX stating that the funds were in fact returned on XX/XX/2020, with time, date, and where funds were directed, they cant even provide me with a tracking number, or a transaction history or number. 
Cash app rejected the funds to a card that is not even my card, its from XXXX  XXXX XXXX. instead of sending back to my bank which is XXXX XXXX 
I need someone to have the courage to step up to do what they believe is right. This Company is gon na keep doing this every day and this cash app, or bank will go out of control. Not even the XXXX  can make them response to the complaint. 
I wish somebody would guide me the right direction. 
Every email that I have received from cash app has been about how much they care about me and the privacy of my account but never got a real answer or a definite answer on where my money is people live on pay check to pay check and can not afford to lose a dollar. 

P.S today marks over 75 days since i have not had a clear answer from cash app they always say ur case has been closed due to you because u havent contacted us in three or more days This is the lamest idea i have ever heard you guys should be embarrass for what ur doing to people that really need it. 
This really the last email before i seek legal advise.
Consumer complaint received 2020-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (SC)

Chase closed my account randomly!! When I call to find out all I kept getting is no one seems to know.. I went into a Branch in XXXX SC and the rep keep yelling my info across the branch with customers in the branch!! .. He didnt even. Verify my address or anything he waited until he told me my account was closed to ask me My address while holding my Driving license in his hand. I asked the manager why is he yelling my information out. she stated social distances. This same rep had no problem helping other customers without mask and said nothing to them about social distancing. Meanwhile my money is hold and i was advised I had to wait WEEKS for my money!! And no explanation as to why my account is closed
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was stunned to see incorrect accounts on my credit report tonight, and Im completely at a loss as to how they got there. I routinely check my report, and this time, there were unexpected errors. I even refreshed my browser, hoping it was just a glitch, but the wrong accounts remained. Im really shaken by this and urgently need the documents Ive provided to be thoroughly reviewed so I can finally have peace of mind.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

To whom it may concern, My name is XXXX XXXX, I am writing to request that the following items be immediately investigated. If inaccurate, they must be removed off my credit report. According to the Fair Credit Reporting Act, I expect you to complete this investigation within 30 days. 
**Name Reported** _XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX _XXXX  XXXX These name are incorrect . Please delete it **Address reported** XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX These addresses are not belong to me. I have attached proof of my current address below. Please delete it. 
**Auto loans** XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX I never receipted any credit or loans from this company. Please provide full document. 
**Student loans** _XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX How it can be only one 120-149 late payments and other are all paid on time. Please provide payments agree or delete it _XXXX   XXXX XXXX XXXX Reported : XX/XX/XXXX This account state that I was late on XX/XX/XXXX. However, I paid on time, it's inaccurate. Please provide payment agree or delete this account. 
XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX How it can be only one 120-149 late payments and other are all paid on time. Please provide payments agree or delete it!!! 
_DEPT OF ED / XXXX Reported : XX/XX/XXXX How it can be only one 120-149 late payments and other are all paid on time. The credit bureaus even did not update an remarks which violated " Metro2 Credit Report Compliance ". Please provide payments agree or delete it!!! 
**Hard Inquiries** XXXX XXXX : XXXX XXXX, XXXX This isn't mine, delete it!!!
Consumer complaint received 2020-06-24
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 : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$9700.00}, {$5400.00}, {$0.00}, {$6700.00}. 
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 initiated 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. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 


-- PERSONAL ACCOUNT 4. XX/XX/XXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XX/XX/20 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/20 Today is XX/XX/20 and I still havent heard from these companies.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I was shocked to discover inaccurate accounts on my credit report tonight, and Im completely at a loss as to why theyre there. I check my credit report regularly, and this time I was stunned to find discrepancies out of the blue. I even tried refreshing my browser, thinking it might be a glitch, but the errors persisted. Im asking that the documents Ive provided be thoroughly reviewed so I can stop worrying about this happening again.
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

on XX/XX/2020, prior mortgage co ( XXXX XXXX ) sold my loan to LoanCare. Prior to this I was on a forbearance program with XXXX XXXX due to the Covid 19 since mid XXXX, 2020. I was on a 180 day program but LoanCare did not honor the existing terms of my mortgage loan which included the forbearance program. They terminated it and reported to the three major credit agencies that I was delinquent in my payments.

LoanCare was notified of this on XX/XX/2020 by me and they informed me that they realized this was done and and on XX/XX/2020 had sent a letter to the credit agencies of their error. Today, XX/XX/2020, LoanCare has still not produced the letter of XX/XX/2020 that I was told was sent to the agencies and me. I was also told that I would get return calls by the end of both days but this was not done. 
In one of the calls with LoanCare of XX/XX/2020, I was told that my forbearance with LoanCare did not start until XX/XX/2020 yet on XX/XX/2020 in a call to LoanCare, I was informed that my forbearance was in effect and there was not problem and no agencies were notified of delinquent- which was not true as 2 months were already reported delinquent. 
My credit scores went from very good to need help/fair. 50pt drop. This has impacted me on business and credit and the financial damage has not been determined yet as I was engaging in new loans and now have nearly poor credit and damaged credit repute. 
LOANCARE is slow to make the corrections to the Credit Agencies and my creditors.- nothing has been done as of this writing.
Consumer complaint received 2019-08-09
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. (MO)

The following accounts are not mines, I been a victim of the Equifax breach and since my identity been compromised I've also been a victim of the dark web. Please remove the following items from my credit file. 

1 ) XXXX XXXX 2 ) XXXX/ XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX   {$3600.00} 5 ) XXXX XXXX XXXX 6 ) Missouri Div Child Support {$5300.00}, {$120.00}, {$1300.00}, {$2700.00}, {$10000.00}, {$94.00}, {$5000.00}
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

On XX/XX/XXXX at approximately XXXX a transaction popped up in my Cash app account saying I have just sent {$450.00} to some person. I didn't do that. Then I got a text saying my phone number was unlinked from my account. Then I got a message stating my email was changed in my account. After that I could not get into my account again. On XX/XX/XXXX my stimulus check of {$1400.00} was deposited in this account and I still can't get in the account. I made numerous attempts to contact cash app by phone and email. With only one response asking for more information. I provided the requested information but have not received any answers or my money back yet. 
Can you please help get my money back I am XXXX and on limited income. 
XXXX XXXX