davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2016, I attempted to obtain a free copy of my consumer report by contacting Experian, the credit reporting agency listed, within 60 days of receiving a denial notice. I attempted to get my report via the website listed on my denial notice ( www.experian.com/reportaccess ). After filling out the required information and answering questions, the website indicated that it was unable to honor my request without explanation. I attempted to enter my information a second time, was denied again and was redirected to this site ( https : //www.experian.com/consumer.html ), which advertised in bold XXXX font, " WHAT 'S YOUR FICO ( R ) SCORE? 

FIND OUT NOW WHEN YOU CHECK YOUR CREDIT REPORT FOR {$1.00} Checking your own credit will NOT lower your score Review your credit report for unfamiliar information Toll-free support available 7 days a week Fast and easy " A screen capture of this site is attached. 

I paid {$1.00} to receive my credit report. On XX/XX/XXXX I was billed XXXX I immediately contacted Experian via the phone number on their site upon being billed. I had no notice of the bill, but saw the charge on my account. XXXX representatives and XXXX supervisors all indicated that they did not have the ability to issue refunds and none of the first XXXX indicated I could request a refund via email. The second supervisor gave me the email address XXXX. I emailed this address, explaining what had happened, and was told that I signed up for a trial membership that converted to a recurring monthly membership and since I had failed to cancel within the 7 day trial period, the bill could not be refunded. I was also told that no pro rated refund could be issued. 

I did not intend to sign up for a recurring service. I did not use the service and gained no benefit from it. I promptly asked for cancellation and a refund or a pro-rated refund for the three days during which I had the service that it took me to become aware of the billing me.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NV)

There is a XXXX post paid account that has been added and deleted to my credit file several times. The date of first delinquency with this creditor was in XX/XX/XXXX and it appeared on my credit file as XXXX in XX/XX/XXXX. The accuracy of the information was challenged and subsequently deleted. This item appeared again on my credit report XX/XX/XXXX with a open account date of XXXX XXXX under the collection agency, XXXX XXXX, XXXX, Account # XXXX, the Experian Credit report # XXXX. This information was challenged and subsequently deleted. Now, the information is once again showing on my Experian credit file report # XXXX under the collection agency, XXXX XXXX XXXX with an open account date of XXXX, XXXX. I challenged the accuracy of this information as it is a re-aged account in XXXX, XXXX and I received an email confirming the investigation was completed and the credit collection will remain an open account with a date of XXXX, XXXX despite this information is a re-aged account. Please assist me with this matter as it has seriously damaged my credit score since it is showing as a new collection account and it is also going to remain on my credit file longer than legal because it is re-aged to XX/XX/XXXX rather than the first date of delinquency in XX/XX/XXXX.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

Experian reported that there was a " hard '' credit inquiry from a credit card merchant processing company on XXXX XXXX, XXXX on my personal credit bureau report. That was not for me personally ; it was made in error. I contacted them directly, since they are a credit card merchant processing company, and I am the XXXX Financial Officer of our company, and we have been a client of theirs for over six years. What happened is that back last XXXX XXXX we requested a new Merchant ID for XXXX of our divisions, and I signed off on the applications ( as I always do ) as the XXXX of our company. 

After contacting them, and speaking with our client representative, and later with other staff of them, I found out that someone in their Underwriting Department made an inadvertent mistake, and ran my personal credit report, instead of running a XXXX & XXXX ( or something similar ) on our company. Since I am not an owner of our company, only an officer, they should not have had access to my social security number, and they should not have done a " hard credit '' inquiry on my personal credit report. And they understand that, and have apologized to me. But they did not contact, to the best of my knowledge, Experian, to clear up the matter. 

So, I sent a letter to Experian dated XXXX XXXX, XXXX, and I informed them of this matter, and I asked them to please remove that hard credit inquiry from my credit report. However, they sent me a copy of my credit report back, dated XXXX/XXXX/XXXX, and did not specifically say how they handled it, but it still showed up in the " hard credit inquiry '' section. Somewhere in their documentation they insist that they simply must report all companies that legitimately request a credit report, and it counts as a hard inquiry. And it does not appear to me that they have any intent to do anything about that, regardless of the circumstances. They did not reach out to the credit card merchant processing company, to the best of my knowledge, and thus the issue is probably " resolved '' in their minds, but certainly not in my mind.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MD)

This is incorrect and is showing up in my credit please remove DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years.2. TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments ( delinquencies ), including the number of late payments, how late they were, and how recently they occurred, are an important part of your XXXX Credit Score. Your credit report shows recent missed and/or late payments with creditors.
Consumer complaint received 2015-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have repeatedly disputed XXXX XXXX XXXX XXXX tradelines that have appeared on my credit report for years as not my account. I have requested XXXX to investigate and verify directly and successfully sued them twice for violations of FDCPA ; each time XXXX paying me {$1000.00} for the violation but they continue to report these tradelines. XXXX has continually refused to remove and has confirmed they have zero documentation supporting these are my accounts but rather only that these accounts are on their books. I have served the credit reporting agencies written and online disputes and they continue to allow XXXX to report these fraudulent accounts.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have repeatedly disputed public record listed on my credit report for a state lien from the state of Georgia. I have requested information on the source in which the credit reporting agency received this information and have yet to receive it. I have contacted my local clerof of superior court and they do not have a record of this information. I have also contacted the Georgia dept of revenue and they also have no record.
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

An item in collections on my credit report from XXXX XXXX had been previously reported on my credit for a long time it was removed at the beginning of this year and has now been added on with an open date of XXXX/XXXX/2015, this is incorrect and this is negatively impacting my credit score that I am working on very hard to get to a good standing. I do not think it 's fair that these collection agency keep removing and adding to my credit report as they please and with different dates.
Consumer complaint received 2023-08-06
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I had checked XXXX XXXX around XXXX XXXX as I prefer to stay on top of my reports, and then again around XXXX XXXX to find that all my inquiries had been removed and then reinserted. I also was NOT notified in writing within five ( 5 ) days of the reinsertion which is actually against Federal Law. The inquiries were removed and put back on, and I had called and spoke to numerous reps who just assume hang up on you, or tell you repeatedly that they can help you with the inquiries, but also tell me that no one was affected by the glitch. Even with proof in hand, and they flat out absolutely REFUSE to connect you to a supervisor or anyone in American offices to handle this matter per your request. After 5+ calls, I gave up. None of the Reps were remotley helpful or even knowledgeable, some knew and would say more or less sucks to be you, and some were even belligerent and knew of the issue but told you too bad.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is on all XXXX credit bureaus. On XXXX XXXX I traded in a XXXX for a XXXX. Some reports have that I have XXXX car loans, I have XXXX. Under each of the reports inquires they have listed XXXX XXXX XX/XX/XXXX14- XXXX XXXX XXXX XX/XX/XXXX/14- XXXX XX/XX/XXXX/14-auto XXXX XXXX XXXX XX/XX/XXXX/14XXXX XXXX XXXX XXXX/XXXX/14 Where I purchased the car XXXX XXXX/XXXX/14 Which is my loan company XXXX XXXX/XXXX/14 It is my understanding that there should only be XXXX loan inquiry for this purchase. This greatly effects my credit and my score
Consumer complaint received 2016-12-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Heavner, Beyers & Mihlar LLC (IL)

I have a monthly mortgage that was finally approved to be 31 % of my gross income as a payment since I first applied for the HAMP thru XXXX XXXX XXXX, it is also an FHA loan. I have made persistent monthly payments to XXXX Home retention department since XXXX of XXXX when I first applied. I also took the financial counseling courses thru XXXX debt counseling in XXXX. As I complained to this office XXXX was denying me the proper repay payments on the modification. XXXX kept inflating my gross income and that would project an improper repayment on my loan monthly payment and they failed to comply to FHA guidelines. This was complained to the bureau frequently my credit also suffered. I am a XXXX person and deserve to be able to maintain my home without threats. On sunday XXXX XXXX, XXXX, yesterday, a man served me foreclosure papers despite the FACT I have active letters from XXXX that my appeal is being reviewed since my payments were consistent and the payment and trial period were met since XXXX of XXXX. The liason with XXXX and FHA stated she is looking into this matter. FHA created a ticket over the concerns of a third party named in the loan papers that were sent to me to sign in XXXX. I inquired as a consumer who and what the third party fees from XXXX were and XXXX kept denying there was a third party. Now a law firm is filing foreclosure despite the fact XXXX XXXX. loan specialist of XXXX states she is working on my modification. This law firm has violated the terms this foreclosure date is listed less than 30 days of the letter dated XXXX XXXX, XXXX these papers were served yesterday XXXX XXXX, XXXX. I have letters from XXXX dadted this last week and calls from them stating the modification is being worked on. The law firm is violating FHA terms as the secretary of the FHA must allow a foreclosure and the terms on the loan are not consistent with XXXX. My loan name is not even listed as correct on the papers from the law office. I am being wrongly pursued and abused. this law firm is wrongly adding fees where my XXXX loan modification with FHA is another amount.
Consumer complaint received 2017-01-24
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: LD Holdings Group, LLC (NC)

I applied for a VA refinance mortgage through Loan Depot XX/XX/XXXX. At that time I had to pay {$300.00} to lock in the interest rate and to cover the appraisal. I received very little communication from that time on except for notices that additional papers were needed by the VA which I found and sent to Loan Depot. Then two weeks ago I got an email asking for my water to be tested because I have spring water and the report to be sent to Loan Depot. This took a few days because the health department only has certain days of the week that they test water. So then last night ( Monday ) I received a call from Loan Depot saying that they had to raise the interest rate because my loan unlocked on Friday. The man said he had called me on Friday but there was no answer so he left a message. I received no message. I use a cell phone and it does not work inside my house. So after an hour or so conversation with the person that called ( Mon ) I decided to call the person that originated the refinanced process and had to leave a message because he was not answering, but he has not returned my call. So at this time I am really frustrated and do n't no what to do. When I finished the hour or so conversation with the person last night he told me I could either except the new interest rate or close the process. The interest rate that I locked in was 3.25 % and now they want 3.75 %. This seems totally unfair to me especially since the rate unlocked on Friday and I get a call on Monday. Not only did they raise the interest rate but they want {$4000.00} at closing.
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XXXX XXXX, 2015, I learned that my credit card had been compromised via a text message from my bank, USAA. I called the company immediately and I thought I had made all arrangements necessary to have the card formally reported compromised to the card issuer, turned off, and a new one sent to me. A week later, I found out the bank had not turned off the card nor reported it to the card issuer. The representative of the bank stated that this was because our phone call had been cut off near the end of the call, and that the bank 's representatives are forbidden from calling customers back to complete the process, nor will they proceed with the actions being taken. Customers are not informed of this. In my case, this meant I did not know that my account was still vulnerable for a week.
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (MN)

This complaint describes the determining the origination of identity theft, talking with Chase and not receiving a resolution. 
In XXXX 2016 I a responded to a direct mail refinance offer from Chase. I called XXXX and spoke to XXXX XXXX XXXX XXXX # XXXX. I gave XXXX XXXX all of my personal information over the phone, incl., SS number. Following, I was requested a credit card number to place a {$500.00} good faith deposit. I used a XXXX XXXX, which was an updated card issued the previous month, with a new XXXX digit back code. 
By XXXX XXXX, all of my personal information and the credit card number were stolen with an attempt to hijack this XXXX account with a name/address of XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, email : XXXXXXXXXXXX, phone : XXXX. None of my other current credit card accounts has had a hijack attempt, only this XXXX which was used at Chase with all of my personal information. 
Soon after, XXXX conducted an investigation and determined the fraud did not originate internally but was called in and had the recording of the conversation of the hijack. 
Using my personal information, the thieves have attempted to open additional XXXX accounts at XXXX and at Chase. I have had to purchase XXXX protection to alert me of these on-going threats. 
On XXXX XXXX I spoke to XXXX XXXX from Chase fraud dept. XXXX x XXXX. I explained the entire matter and was told an investigation would be done. I never received a follow-up. 
It is my opinion and conclusion that identity theft originated at Chase Home Finance, whether it was a hack, or some other breach, possibly by someone in their IT department, as none of my personal information along with my new XXXX card ever appeared in one place together. In the 40 years of possessing credit, I have never had any breach of any kind, nor any credit card theft ever. The fact that this identity theft occurred in less than two weeks after providing my personal information to Chase strongly indicates the source of the theft.
Consumer complaint received 2015-04-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PlusFour, Inc (NV)

The company stated it was illegal to delete the account according to the Fair Credit Reporting Act and that statement in itself, is actually a violation of the Fair Credit Reporting Act '' or " the company agreed to delete the account for payment, after the fact they said they will not delete the account and therefore violating our original agreement ''.
Consumer complaint received 2017-01-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Pendrick Capital Partners Holding, LLC (NE)

XXXX XXXX systems continues to report a debt to my credit bureau that has been XXXX in a bankruptcy. My debt continues to be sold from agency to agency. I called them today and they said yes it should be closed. But the agencies on the back end keep selling it. It is now on my credit report once again. This has happened 3 times. I want it removed asap so we can pre qualify for a home loan. The current agency holding this debt, that was sold to them, is Pendrick Capital Partners.I should not have to call every XXXX months to have a debt removed from my credit report. This is haunting me and tanking my score. I feel harassed and defeated that this keeps happening. Someone needs to be held accountable. I 'm unsure why commonwealth financial systems has things straight in their records but these other agencies are still passing this debt around.
Consumer complaint received 2017-02-28
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (TX)

I received a payday loan from XXXX and ended up gett other loan to pay that loan. I was paying XXXX $ every pay check but only XXXX $ for wha was being paid went to the principle. It would ha taken 17 payments making a XXXX $ loan cost me ove XXXX . 
I ended up lost in in loop now I owe speedy cash for a ridiculous sum as well as th cash store. I XXXX and ca seem to find out way to stop th loans gaining more and more interest. 
What can I do? If there help without another loan I 'd like to know.
Consumer complaint received 2017-01-17
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/XXXX XXXX XXXX ( XXXX ) was notified to cease contacting me regarding a credit card debt ( letter attached ). The debt was sold to Portfolio Recovery who attempted to collect on the same debt. Portfolio Recovery was noticed to cease contacting me on XX/XX/XXXX ( letter attached ). On or about XX/XX/XXXX, I received another collection letter from Portfolio Recovery ( letter attached ). In my letter of XX/XX/XXXX, Portfolio recovery was requested to send to me verification of this debt and supporting documents. They never responded.
Consumer complaint received 2017-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

On   XXXX     I had a balance of  XXXX  on my Comenity Bank  Credit  account  (    XXXX   XXXX   XXXX    ). I paid off my account balance in full that day. Not my statement balance, my account balance. My account balance was  XXXX  on  XXXX / XXXX /  XXXX  . On  XXXX / XXXX /  XXXX   I received a statement saying they went back to the  XXXX  and assessed a late fee and have charged me 28 % interest for that fee even though I had a   XXXX    balance on  XX/XX/XXXX   . So I 'm being retroactively charged late fees, and being charged a month 's interest on that fee in under a week when the account should be closed. Had there been a late fee on the  XXXX , it should have been in my account balance on the  XXXX .     I do not believe this to be just. They 're trying to rip me off on my way out the door hoping I would rack up more interest and fees thinking I was done with them.
Consumer complaint received 2016-08-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Bankruptcy was filed approximately 25 years ago and these were credit card charges. I recently purchased a house in my name and Portfolio Recovery inquiries and phone calls started. No negative credit has been listed on credit reports, but I have paperwork leading me to believe I could have IRS issues. The stress this has created has been unreasonable as I was a homeless veteran finally getting off the streets, and it appeared the fraud they were perpetuating on me was going to stop the process. I did receive a post card in the mail recently that there is a class action suit about these calls, but there has been more than just phone calls in my case and I wish to document this. My identity and history has been stolen too.
Consumer complaint received 2023-07-14
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. (OH)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!