davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XX/XX/2017 I was at XXXX. A XXXX XXXX representative asked me to punch in my social security number in order to determine if I qualify for service with them and did not have any outstanding accounts. I asked to make sure it was NOT to run a credit inquiry, and was ASSURED it was not. However I now see it on my credit report as a hard inquiry!
Consumer complaint received 2019-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (CA)

In beginning of XX/XX/XXXX XXXX XXXX received a bill from XXXX on {$4100.00} for services we never ordered and never received. We promptly called XXXX. Per their request we filed an identity theft claim by police and attached it to our official claim on their site. 
On XX/XX/XXXX we received by email a notice that our claim # XXXX was received. 
When another bill came in, we called the number ( XXXX ) mentioned on the emailed notice. It was a wrong number. After hours of pressing buttons etc., someone agreed to take the claim number and settle the matter. 
The bills continued to come. 
On XX/XX/XXXX a letter was send to us from a dept collector XXXX XXXXXXXX XXXX. on behalf of XXXX. We mailed them back an explanatory letter with a copy of the police report and XXXX XXXX notice that our claim was received. Never heard from them again. 
On XX/XX/XXXX and on XX/XX/XXXX two letters were sent to us from another dept collector, McCarthy, Burgess & Wolff where the " dept '' grew to {$10000.00}.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GreenSky, LLC (MI)

I paid off and closed this account with Greensky XXXX XXXX  on XX/XX/2019. 

They have YET to report to the Credit Bureaus that my account is PAID AND CLOSED. 

I have contacted Greensky 5 different times : Home Improvement : XXXX Patient Solutions : XXXX Retail & E-Commerce : XXXX Monday - Saturday XXXX - XXXX ET Sunday XXXX - XXXX ET XXXX They assured me that on XX/XX/2019 the credit reports would be notified the account was paid and closed. This has NOT HAPPENED. Today is XX/XX/2019 I have disputed this with XXXX  twice and XXXX  three different times. XXXX I have provided the letter stating the account is closed and has a XXXX balance and they still state that after contacting Greensky the account information reflected on my report will remain. 

This has negatively affected the rate I will receive on my mortgage.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have am looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name is XXXX XXXX please remove any different names from my report they are not accurate. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are NOT accurate please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX STATE ROUTE XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX SR XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX RT XXXX XXXX STATE, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (FL)

The original collection agency was XXXX XXXX XXXX, Creditor was XXXX XXXX this was paid in full inXX/XX/2018 in XX/XX/2018 it looks like it was sold Phoenix Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX. I have disputed this with credit agencies with no out come. I have even submitted a copy of the letter from XXXX XXXX XXXX showing it as paid in full. There are 2 amounts that phoenix is requesting payment for and they both for the same date but different amount. One amount is for {$610.00} and the other is {$910.00}. 

I would like this resolved asap.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MA)

Thank you for taking my complaint. This complaint is about a Barclaycard that is co-branded as a XXXX XXXX Visa card. 

On XX/XX/XXXX, I received an email credit card offer from XXXX that said I could earn up to XXXX bonus points if I opened a XXXX XXXX   card. I would need to apply by XX/XX/XXXX. If accepted I would receive XXXX points if I charged {$1000.00} in the first 90 days and XXXX points with an additional {$2000.00} charged within 180 days. 

I applied for the card in XX/XX/XXXX and was accepted. I met the first requirement and received the XXXX bonus points. I then met the second requirement but never received the XXXX points  as advertised. 

I can provide you with the details if required but, in summary, numerous emails and phone calls over several months to both XXXX and Barclay 's did not resolve the missing points issue. This resulted with me receiving a letter from Barclays indicating I needed to call them to provide additional details in an attempt to resolve the issue. 

I called Barclays customer service on XX/XX/XXXX. The first line customer service employee, while very pleasant, was unable to help me. I requested to speak to a supervisor. The supervisor ( " XXXX '', again a pleasant person ) was able to confirm that I had met the terms of the offer as required. However, XXXX indicated that in order for me to receive the additional XXXX points I  needed to apply for the card on XX/XX/XXXX, and the offer was only valid on this day. 

Needless to say I was shocked at this bait and switch. Months of frustration resulted in me immediately cancelling the credit card and I informed XXXX that I would be filing a complaint with the CFPB. She cancelled the card as I requested and I'm filing this complaint. 

I never received my points and I may be losing the points I earned. I will never do any business with Barclays and I will be informing XXXX XXXX of the poor customer service from their partners.
Consumer complaint received 2019-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have a debt collection reporting on my credit for a credit card account that is not mines. This account appears to be fraudulent due to the fact that I do not recognize any details involving this matter. The information being reported is frivolous.
Consumer complaint received 2019-05-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

My loan servicer PennyMac hired a company to check on my property. That company broke into my property on several occasions and took all of my personal property. I filed a police report. To date I am paying my mortgage and am unable to live in the house because I have nothing. 
This happened on or about XX/XX/2018 to XX/XX/2018 while I was out of state. I filed a police report. 
No one wants to accept responsibility. My loan has now been transferred to XXXX XXXX services.
Consumer complaint received 2019-05-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has been calling my husband 's work non stop for the past couple of months. They started calling my mother-in-law now and leaving voicemails as well. The message left yesterday from them was from someone named " XXXX '' at Bank of America and he left the number XXXX-XXXX-XXXX to call. My husband has asked them to stop calling his employer, but they haven't quit.
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (FL)

An account with XXXX XXXX that was opened up in XX/XX/XXXX in the amount of {$1900.00} was deleted from my credit report in XX/XX/XXXX due to fraud. Now XX/XX/XXXX this same account from XXXX was put back on my credit report as a collection with a collection agency Jefferson Capital Systems with all three bureaus stating this account was opened XX/XX/XXXX which is definitely inaccurate information reporting and the account should have never been put back on my credit file in the first place. I have disputed with all three bureaus and the only one that have removed this collection from my report is XXXX, XXXX and XXXX is still reporting. This is damagaing my credit and I am in the process of purchasing a house but with this collection on my credit I am unable to obtain financing for a home.
Consumer complaint received 2019-05-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc. (MI)

The Vehicle was awarded to me in a divorce settlement, I am trying to talk with someone to get the loan straightened and have also sent them payments which they have accepted. Have not been able to speak to a person at Consumer portfolio services. They sent XXXX XXXX XXXX located in XXXX Michigan to my house at XXXX XXXX XXXX XXXX in XXXX Michigan on Sunday XX/XX/2019 at about XXXX XXXX, I found the driver in my garage and told him to get off my property he was threatening me, telling me he was taking the car and told me I was not stopping him and then went to his truck and laid on the horn and was yelling I have a repo here, this continued for about 2 minutes, he then went around the corner blowing his horn and continued to yell out the window. Last night on XX/XX/XXXX at about XXXX XXXX, I was walking a block over and heard a horn going off, I got back on my block and XXXX  XXXX XXXX was back in front of my house with there lights on and again blaring the horn yelling repo, we have a repo, they were also yelling at my minor son, there were 2 men in the truck this time, I have them on video, I advised them to stop and the guy was yelling profanities at me and he was yelling I should pay my bills, I called the police, also my gf advised them they were going to be maced if the did not leave, they left about 2 minutes before the police got there, the police issued us a complaint for the company acting in a disorderly manner and told is to call them back if they showed backup. They have also went to my ex wife 's house at about XXXX XXXX at night and tried to order her to open a barn and put her dogs away. I want this harassment to stop now, I am trying figure what I still owe, I have already paid, XXXX on a XXXX dollar loan. The complaint number from XXXX Police Department is XXXX.
Consumer complaint received 2019-05-29
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. (NC)

Today, in reviewing my credit on XXXX XXXX, I noticed 6 hard inquiries that I did not recognize. They are on my TransUnion report and are dated XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017. Additionally they were all tied to National Credit Cards/Airlines. I called TransUnion and they said they were from XXXX XXXX and I would need to call them and provided me the phone number of XXXX. I called and spoke with a representative and explained the situation. He stated the National Credit Cards/Airlines was indicative of an issue with XXXX XXXX and this was a known problem and I would need to contact them to have it removed. Not fully understanding, I asked to speak with a supervisor and was connected to another supervisor and she stated the same thing. She stated several years ago, XXXX XXXX placed thousands of hard inquiries ( manifesting through National Credit Cards/Airlines ) on credit reports and had to go back and fix it. She stated they have begun to do this again. When I reached out to XXXX XXXX, I was redirected to TransUnion who again redirected me to XXXX XXXX who again sent me to XXXX XXXX. It's a never ending and vicious cycle and meanwhile, I am suffering, because these hard inquiries affect my credit adversely. I am in the process of trying to end a toxic relationship and get into a new living situation either through buying or renting a house and this is going to make things really difficult for me. I did some research on the situation and understand this has definitely been happening and people have reached out to the CFPB for help. I am desperately reaching out.
Consumer complaint received 2019-05-14
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. (FL)

Following a review of my TransUnion credit report - under identification number XXXX - I determined that a chapter XXXX bankruptcy was being reported incorrectly inasmuch as I have never filed for bankruptcy. 

Several disputes were directly filed to TransUnion with no result. No proof has been provided as to the name, social security number or other personal identifiers of the individual filing for bankruptcy in the XXXX XXXX XXXX Florida. 

I demand a complete investigation of this matter.
Consumer complaint received 2019-04-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: J J Marshall & Associates, Inc (MI)

JJ MARSHALL & ASSOC File Number : XXXX Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because the total is inaccurate and I have been continuously harassed with phone calls from the company since early 2018. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not fully owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-18
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: Navient Solutions, LLC. (GA)

I have contacted Dpt ED/Navi they reported on my credit that the loans, they were supposed to make the correction to my credit report as the loans are reporting two or sometimes more for the same amount. It was explained that they would make the correction, but as of XX/XX/2019, the updates has not been made. When calling I am getting the run around such as call SallyMae, then I am referred back to Navient. Which the Dept ED/Navi are the people reporting on my credit
Consumer complaint received 2019-04-19
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. (PR)

Transunion is reporting 2 XXXX student loans on my credit report from 2008. I requested them to verify this information and send me any evidence these loans are mine such as a contract or documents that I sign for these debts. However they have never done this and continue to report these 2 accounts on my credit. I have disputed these accounts 4 times and the outcome have been the same. They don't remove them and they don't send me any evidence that these accounts belongs to me. I am a XXXX XXXX XXXX Veteran and this situation is affecting my credit and my peace of mind.
Consumer complaint received 2019-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

This is a fraudulent debt I have no knowledge of. This has been effecting me for to long and I know nothing about it nor did I know I could dispute it. This needs to be removed or take me to court so I can prove it is not me. Someone has either use my name and social security number or whoever says I owe them is fraudulently trying to get money from me. Court is a good place to prove it one way or the other that it is not mine.
Consumer complaint received 2023-05-31
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2019-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AR)

My bank was drafted on XX/XX/2019 for XXXX. A copy of the bank stmt showing the withdrawal was sent to Nissan. It has been over 60 days and they still have not posted the payment to the account. A payment shows posted on XX/XX/XXXX for over XXXX, yet they are reporting to the credit bureaus XX/XX/XXXX being 30 days late. They are also reporting XX/XX/XXXX as being 30 days late. How can a XX/XX/XXXX payment be 30 days late when it is still XX/XX/XXXX?
Consumer complaint received 2019-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus. 

Below are fraudulently unauthorized inquiries on my report : Company : Ally Financial Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX DEALER XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Company : XXXX XXXX Company : XXXX XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Company : DEPT OF XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX   XXXX  Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX Account # XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX   Account # XXXX Date Open : XXXX XXXX Balance : {$12000.00} Company : XXXX  Account # XXXX Date Open : XXXX XXXX Balance : {$8500.00} Company : XXXX & CO Account XXXX XXXX Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX XXXX Account XXXX XXXX XXXX Open : unkown Balance : unknown
Consumer complaint received 2019-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (WV)

I received two copies of a hazard insurance bill that is supposed to be paid from escrow by Amerihome Mortgage. I wanted to ensure that Amerihome had also received a copy, so I submitted a question via their secure portal. I received an incomprehensible response that looked like a failed cut/paste attempt.

I filed a second inquiry via the Amerihome portal and got a slightly better response although it, too, had significant problems. For example, it referenced a " proof of insurance '' request which was not the nature of my inquiry. 

Both the initial and second responses indicated that I could communicate with the company via chat, but after looking at every screen available to me in the portal, I couldn't find any way to initiate a chat session. 

It seems to me that the company has a staff that is improperly trained, and they refer to a function ( " chat '' ) in their standardized correspondence that is not available via the portal I am using.
Consumer complaint received 2019-05-15
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: EQUIFAX, INC. (VA)

XXXX allowed companies to access my credit report and place hard inquires with out my permission and now they blame me and will not remove them. 

The law is clear when you can not prove that I gave you access to my a profile you MUST remove the incorrect info not just they have a wright to do anything they want and hurt my credit. 

XXXX XXXX dob XX/XX/1962 SS # XXXX