davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2020 I charged several food items bought at Walmart on my Capital One credit card. The total was {$24.00}. Two packages of beef liver at {$2.00} each subtotaled {$4.00}. Unfortunately, the meat was rancid. The merchant ; s refund policy was, because of the XXXX Virus, not to return items to the store but to file a claim with the credit card company. I have tried to do so repeatedly without being able to do so. First, Capital One does not allow disputes to be made at one 's account online. Instructions are to call customer service refunds at XXXX. For several weeks I have attempted to do so, but each time a recording at Capital One says that the wait will be more than an hour. It makes no provision for it to call me back, as most companies do when there are long wait-times. Obviously, Capital One is intentionally preventing the public from disputing purchases in any way whatsoever..
Consumer complaint received 2018-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

On XX/XX/XXXX, I called Freedom Mortgage customer service to inquire about the PMI for my converntional mortgage. I explained that I'm closing in on 80 % LTV and that I'm confident that if I had my house appraised it would appraise higher than the initial value and push the LTV below the 80 % mark. They looked into the account and then instructed me to send an email to customer service to start the process. After submitting the email I received a letter in the mail stating the steps to complete the appraisal of my house and the conditions that had to be met. In this letter it clearly states that the appraisal must demonstrate a Loan-To-Current-Value ration of 80 % for loans aged greater than 5 years. 

The appraisal resulted in the following : Sales Comparison Approach : XXXX Cost Approach : XXXX The conservative value of XXXX was used as the official value of the appraisal which placed the LTV at 77.01 %. 

I received a letter on XX/XX/XXXX stating that after a review of the account, the request to remove PMI was unable to be approved. The reason being that a LTV of 75 % was required. I have made four calls to customer service to gain clarity on what the requirements are and also to understand what the age of my loan is. Neither question could be answered satisfactorily. From my point of view the request was denied with a stated reason that contradicts the attached letter stating the requirements. When I asked to speak with someone that has knowledge of how the PMI requirements work I was told that they do not take calls and there is no way to contact them. 

In addition I have completed 70 payments on my mortgage promptly and in excess. The best answer I have received to date is that my mortgage is not greater than 5 years ( first payment XX/XX/XXXX ). Proof has been shown that value of the house has increased and I have excellent credit. I have tried to explain to Freedom Mortgage that my mortgage being 70 months old is actually greater than their requirement of 60 months but they disagree. 

As a consumer I should not be billed for unnecessary private mortgage insurance. 

Thank you, XXXX
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accelerated Financial Solutions, LLC (TX)

I have advised Accelerated Financial Services of of this fraudulent account being reported on my credit file. I have advised them that it does not belong to me and is the result of identity theft. However they have refused to cmply with he law to remove it. I have mailed in a copy of an FTC report. They ignored it and sent icopies of stolen, forged docs to open the account.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

I received notice this week that my credit score with Experian dropped 39 points due to my credit history category changing from excellent to good. The change was noted to be a result of the oldest acount on my record closing at the end of XX/XX/XXXX. 
I did not close the account. It was in good standing with a XXXX balance for over a year. It did not close due to ANY financial misstep on my part. It closed because the company ( XXXX ) went bankrupt and closed the chain of stores my account had been with for three decades. 
The loss of available credit can not possibly warrant a 39 point drop because my major credit card recently INCREASED my credit line, virtually the same amount, thanks to my excellent payment history with them. So my total credit available has barely changed. 
I am filing a complaint with Experian as well but want to let them know that their business practices, which penalize the consumer for the poor corporate management strategies of companies they do business with, is ridiculously misdirected and has been reported. Id like the 39 points restored and my excellent history left intact. Thanks to Experians actions, my good credit rating dropped to Fair and puts me at possible financial risk going forward.
Consumer complaint received 2019-11-22
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 discovered a Bankruptcy on my credit report today XX/XX/19 when I went to try to buy a car and was not approved. This bankruptcy is not mine ; I did some investigating and it turns out that this was clerically filed in error and this bankruptcy actually belongs to someone with a similar name as mine. I have never filed for bankruptcy nor did I take part in this in any way. I have filed a police report as well as reporting this to the courts in hopes of getting my name and credit history cleared.
Consumer complaint received 2018-07-27
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: Medical Data Systems, Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The above companies are reporting an account which they claim is mine but when asked for verification and validation of debt they did not provided me with validation of debt. A validation letter was sent to them on XX/XX/17 and no answer was received. Instead they renewed the reporting of the debt on my credit report with a recent date. I also sent verification to the credit bureaus XXXX, XXXX  and XXXX on XX/XX/17 but they only verified the account. I seek protection under the fair credit reporting act that this account be immediately removed from my records since the company above is in violation of such act. They also did not reply to my validation letter ignoring several attempts by me for them to send documents with signatures and proof of debt. 

Please investigate this account and have this company immediately remove their reporting immediately from my records. 

Thanks, XXXX XXXX
Consumer complaint received 2018-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Specialized Loan Servicing will not give us an accurate principal balance on our loan. The took over our loan in XX/XX/XXXX and the payment history report we received shows the loan balance is going up and not down. We have asked several times for assistance and we continue to get documents that are not helpful. Our loan is currently underwater and it could be due to this issue. The original loan was {$72000.00} in XX/XX/XXXX and now the Servicer states that we owe {$76000.00}. SLS is not reporting our loan to the credit reporting agency either. We have never modified or refinanced this loan. The property value is currently only {$40000.00}.
Consumer complaint received 2019-11-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC. (IL)

I was referred to Wyndham Capital Mortgage from XXXX. On XXXX XX/XX/2020 at around XXXX CT, during a phone call with XXXX XXXX at Wyndham Capital Mortgage , she performed a hard credit pull without my permission. XXXX made a misleading request to authorize a hard pull. I believe that she used vague language on purpose to try to trick me and that this practice may be widespread at Wyndham Capital Mortgage. 

She first asked me : " Is it OK if I pull up your liabilities? '' I knew she might be wanting to do a hard credit pull, so I asked her " What do you mean by that? '' Then she said " Can I get your credit pulled up? '' Again it was unclear to me what the phrase 'pulled up ' meant. So I asked her if she was asking to do a hard pull or a soft pull. After her response, I said " I authorize you to do a soft pull. '' Then I got a notification from XXXX XXXX saying that a lender had pulled my credit and I immediately told XXXX that I did not authorize a hard credit pull. 

I believe that XXXX purposefully made an unclear requests to 'pull up liabilities ' and 'get your credit pulled up ' to try to trick me into saying 'yes '. I believe that Wyndham Capital Mortgage may be encouraging this sort of  misleading behavior for other customers too, which is why I'm reporting this.
Consumer complaint received 2019-11-22
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. (PA)

Transunion has yet to answer to why XXXX appears on my credit file in which they say. I don't need to provide documentation due to the fact Transunion has not provided nothing from XXXX in regards to why hard credit was ran with no documents on there part nor has Transunion provided any proof on there part to why XXXX is showing. on my Transunion account I did not give sign or agree on phone or internet to running hard credit. Transunion does nothing but give some run around answer with no proof from Transunion.There has been nothing back to XXXX XXXX regarding them running credit nor has XXXX responded to transunion other wise to show any documents sign or permission giving to run credit. It's fraud and transunion has no proof and needs to delete XXXX or provide proof not me I have no proof from XXXX.
Consumer complaint received 2019-11-22
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. (TX)

I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information. XXXX XXXX,, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX 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  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-11-22
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: Experian Information Solutions Inc. (DE)

I see some unauthorized inquiries on my credit report with Experian, I tried to dispute online but it cant work, when I call they put me on hold forever. 

here are the unauthorized inquiries that need to be taken off XXXX XXXX XX/XX/2019 XXXX XX/XX/2019
Consumer complaint received 2019-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CT)

the date was back around XX/XX/2010 when I was living in XXXX. I was on a consistent basis receiving a money transfer each week that was sent from XXXX XXXX XXXX around the time of XX/XX/2010 I went to the XXXX at the XXXX XXXX on XXXX  XXXX.to receive the transfer. They say it wasnt there although at the time i had the receipt number as well as answered the security question. However there was nothing there. Asked XXXX XXXX did he send it. He said he did. The following week he said he sent another transaction. This time I tried to receive it at XXXX in XXXX XXXX. Same thing happened there. Each amounts were for {$400.00} dollars. I did attempt to resolve this matter for years. I can not locate those confirmation numbers that you need to give them to look further into it. since then i've moved to XXXX. But i really need to know what happened to the money and collect it.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of  my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-22
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FED LOAN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (OH)

When I recently applied for a new mortgage it was discovered that my identity had been stolen and someone had opened a Nordstrom store card under my information and then purchased items, charged-off, and was sold to collections. I notified the 3 Credit Reporting Agencies and Nordstrom 's fraud department. The fraud department had me send a photocopy of my ID in along with a statement that the purchases were not mine and that I had not opened a card with them. I have tried to follow up several times with the Fraud department and each time they repeat that they have been sending physical mail which I am not receiving. They have also claimed I will need to work with the collections company separately. The issue is Nordstrom is the party responsible for not performing due diligence and issuing fraudulent credit and then selling that fraudulent credit to a 3rd party.  Nordstrom should be responsible AND helpful in the process. My credit report shows all paid as agreed ( never a single delinquency ) prior to this fraud. I would also expect them to be able to pull the location the card was opened such as physical store or IP address to show it was not me.
Consumer complaint received 2019-11-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Associated Credit Services, Inc. (FL)

I owe XXXX XXXX {$1000.00} The credit agency is trying to collect {$3400.00} saying they are representing XXXX XXXX. XXXX XXXX told me all I owe is the {$1000.00}
Consumer complaint received 2020-03-20
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including many inquiries that I was not able to list on this application. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$270.00} XXXX XXXX {$270.00} XXXX XXXX {$1400.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$7200.00} XXXX/XXXX   XXXX {$640.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$860.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00}
Consumer complaint received 2019-11-22
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)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE OPENED UP A STUDENT LOAN IN MY NAME FROM XXXX XXXX, XXXX IS COLLECTING FOR THEM. I PRESENTED THEM WITH A NOTARIZED IDENTITY THEFT AFFIDAVIT, ID THEFT REPORT, ALSO A POLICE REPORT IN WHICH I HAVE INCLUDED ( THROUGH UPLOAD ). EQUIFAX HAS REFUSED TO CORRECT THE MISTAKE, WHICH IS HURTING ME FINANCIALLY. XXXX  AND XXXX  HAS ALREADY REMOVED THE FRAUDULENT ACCOUNT. I KNOW OTHERS THAT HAS HAD THE SAME PROBLEM WITH EQUIFAX, UNQUALIFIED WORKERS ARE HARMING CONSUMERS CREDIT. I BELIEVE ITS A SCHEME, AND THEYRE DOING IT ON PURPOSE. 

FCRA 605B EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY.OF : 1. APPROPRIATE PROOF OF IDENTITY OF THE CONSUMER. 

2. A COPY OF IDENTITY THEFT REPORT. 

3. THE IDENTIFICATION OF SUCH INFORMATON BY THE CONSUMER, AND 4. A STATEMENT BY THE CONSUMER THAT THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION BY THE CONSUMER.
Consumer complaint received 2021-12-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (VA)

Discover hire a law firm that taking me to court and lie to the judge on the balance my is XXXX and not no XXXX the lawyer show me the right balance of XXXX got in court and told the a lie I am trying to pay this off but they giving me the run a round and now I have to go back to court for a garnishment this go to far its not right a no one should have to go though this something need to be done I dont want no one to be change like this the lawyer discover card hire in not right and take this for a joke I dont see know right in this this unfair let me pay what i used on the card need to be fair. And thanks