davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-01
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. (WI)

Unauthorized Credit Inquiry ( s ) To Whom It May Concern : I have been contacting Equifax to inform them that these hard inquiries listed below were not authorized by me and I wish to have them deleted. Some person or persons within ( Equifax XXXX Consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. 

Since I never gave permission for anyone to inquire about my Credit Status, Equifax are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 



As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. 

This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties. 

Here are all the unauthorized credit inquires on my report that should be removed immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have written twice to get these disputes off my reports but the credit bureau has not acted. I am told I can not get a mortgage with disputes on my report. I am attaching the pages showing, highlighted, the problems. I have wriiten and told them I DO NOT DISPUTE THESE!
Consumer complaint received 2017-12-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

XXXX XXXX sold my loan to XXXX XXXX and added {$25000.00} to the loan after making a payment to them at the same time. Behind one payment. Only transferred half of the payment to XXXX XXXX and this was the beginning of my problems. This put me behind and had to make up the difference. My original purchase of this single family home was purchased for {$22000.00} on XX/XX/XXXX. After XXXX sold the loan after acquiring the mortgage from XXXX XXXX went bankrupted and added {$25000.00} which made the loan {$250.00}. We lived in this home for 7+ years and stated we were 381 days late with payments.. Payments began at $ XXXX a month, after the loan was sold, I was NOT allowed to refinance this loan using my XXXX. or VA benefits. The story is incredible and I have just found the right people to voice my concerns. Bottom-line was I had to do a Dead-in-Lieu to avoid Negative Credit Implications. The house was sold in XX/XX/XXXXand my family and I moved to XXXX AZ after during a deed-in-lieu to make a new start. I am a Veterans of 22 years service, XXXX XXXX and this issue has plague my mine for years and I truly need to try and recoup my funds that appears to have been stolen. I have the receipts for the payments as well which makes this unbelievable. XXXX XXXX did an audit as requested of the account and their documentation looks to be okay but confusing. I was in Bankruptcy during this same time of the transactions and all my funds were accounted for by the Courts why payments were still being paid at the time to XXXX XXXX and too much info to explain here. See attached documents to explain the documents received from XXXX XXXX.
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (AZ)

I never checked my credit score, but I was applying for a Mortgage Origination License with the NMLS, and I discovered a derogatory item on my credit history. It is showing that I have an existing account in collections from XXXX XXXX XXXX, stating that I have taken out an unsecured loan that was originally opened on XXXX XXXX, XXXX, totally an amount of {$3900.00}, which now a closed account due to insufficient payments. I have not taken out any type of loans in or around that time it states, and I want to resolve this problem before it affects me anymore. I am not sure if it 's mistaken or identity theft but I tried reaching out to the service. XXXX XXXX XXXX and they said that " my account is no longer accessible '' because they sold my account to another company. I then asked for the company information to who they sold it to or passed it on to and I was told from the person I spoke to that, " He will call me back with a phone number '' so I can reach out to them. I never heard back from this company and called back for a second time and was told the same thing the last time I spoke to XXXX XXXX XXXX. Again, I received no phone call or email. At this point, I am stuck and do n't know what to do and will want additional help to resolve this matter as soon as possible.
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (IL)

We recently sold our home which started out as XXXX XXXX XXXX, now PNC. We received a refund check for pmi insurance for {$560.00}, but could n't cash it because it was in the banks name. Several phone calls they explained that was a bulk check and we were getting {$6.00} back from that. I have the original documents signed when I bought the house, and it shows for PMI insurance my maturity date is XX/XX/2017. That probably was correct except I opted to do the twice a month payment when I got the loan. Because of that I was at 53 % at closing. Well below the 78 %. I know what it shows by what I signed, but the numbers do n't lie. 53 % is 53 %. PNC is standing by what is signed not actual numbers. I also would like to know what PNC rule is for flood insurance, they have had me pay for a total rebuild, not for the loan amount like other banks? I have been in contact with XXXX XXXX XXXX
Consumer complaint received 2017-12-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, CA XXXX ( XXXX ) XXXX Bank of America Attention :  XXXX XXXX XXXX Chair and Chief Executive Officer/ Customer Service Department/XXXX XXXX XXXX. XXXX XXXX XXXX, FL. XXXX XXXX : Reonveyance of Property at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Dear XXXX XXXX : This is a Notice, in lieu of a complaint at this point and time. 
Thank you for the affirmative steps youve taken to aid in the possession of our property. 
Pursuant to our ownership rights, as corroborated by your Companys recording of : a ) Substitution of Trustee, ( XXXX ), XXXX/XXXX/XXXX and, b ) Reconveyance recorded on XXXX/XXXX/XXXX ( XXXX ) c ) Substitution of Trustee and Full Reconveyance ( XXXX ), recorded on XXXX/XXXX/XXXX ) d ) Preempting the Trustee Deed recorded on XXXX/XXXX/XXXX, and, e ) Replacing it with, the Full Reconveyance ( XXXX ) : We are informing you of our action to reclaim possession immediately. 
For a smooth transition, as the Trustee, I will expect your cooperation in retrieving access to the property by : 1. Surrendering the Keys to the house to us, by mail, or providing a location for me to pick them up, or, 2. Advising the current Holder of those keys either to : a ) Mail them to your office, or, b ) Mail them to us at the above address If I have not heard either from your or the former managers by XXXX/XXXX/XXXX, I will pursue action to change the lock ( s ). 

Sincerely, XXXX XXXX
Consumer complaint received 2017-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

PORTFOLIO RECOVERY are trying to collect money from me but I never owed them or anyone anything. I am trying to get a mortgage and they file false info om my report and I called and they could n't verify this account or give me any information that actually determine it is me or mine.
Consumer complaint received 2017-12-02
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. (FL)

On XXXX, XXXX, XXXX, an account with XXXX XXXX with a collection agency of XXXX XXXX XXXX for the amount of {$190.00} was placed into collections on XXXX, XXXX, XXXX. Account was paid directly to XXXX XXXX on XXXX/XXXX/XXXX and was advised that a supervisor with XXXX XXXX had emailed the collection agency of XXXX XXXX XXXX to delete the account from my credit report. However, on XXXX/XXXX/XXXX, I was advised by the collection agency that no information was submitted from XXXX XXXX and that account will remain on my credit report until notification from XXXX XXXX stating account has been paid in full. I then requested for fax number to fax in proof of receipt provided by XXXX XXXX stating that account had been paid in full. At this time, I was informed by the male customer service rep that receipt would not be accepted due to not being provided from XXXX XXXX directly. On XXXX/XXXX/XXXX, I spoke with a supervior at XXXX XXXX who advised me that communication was previously sent on XXXX/XXXX/XXXX and that I will need to wait 4-5 business days for account be deleted with collection agency. I was advised to file a dispute with the collection agency due to account being reported incorrectly with XXXX. However, XXXX  states that collection account was verified as correct reporting as of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and advised the represtative again that account has been paid in full to the original creditor. Rep again states that no information has been received from XXXX XXXX concerning account being paid, at which point I stated that I have proof from XXXX XXXX that account was paid in full on XXXX/XXXX/XXXX. Rep advised me to upload documentation to their website but now states that receipt has to verified by orginial creditor of XXXX XXXX and is refusing to delete account from my credit report, although, they have documentation that account has been paid in full. This is negatively impacting my credit and is delaying my purchasing of a home.
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

This account was transferred to XXXX and is currently being repaid. The loan no longer belongs to XXXX. It has been over 7 years and this account is still showing on my credit report
Consumer complaint received 2017-12-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (MD)

I 've had an American Express XXXX XXXX XXXX account for about a year now. I rarely use it. Only to store funds in. Recently I linked an external account to the american express account for withdrawals in and out of the bank since this account does not come with a card. I initiated a withdrawal from the account and I 'm thinking it went fine until a week later I check my account. My funds were never transferred they were reversed for some odd reason.I called the bank 3 times back to back. The first time I was telling the CSR my account information, then suddenly I got hung up on. The 2nd time CSR put me on hold to be transferred to a different department ... got hung up on again. The 3rd time I was speaking to a CSR after being told that I would get a call back, I got hung up on for a 3rd time.  So I 'm highly furious with their customer service. They 're holding {$380.00} XXXX and will NOT give me a reason why. My account is n't frozen or anything that I know of. I have n't received any emails stating there 's an issue with my account. I have contacted the Federal Reserve because this is highly unacceptable. I even tried closing the account and requesting a withdrawal. They 're refusing to close my account or allow me to have access to my money. I attempted to close it twice already and my request keeps being denied.
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

My mortgage is with U.S. Bank. My partner XXXX earlier this year and I provided U.S. Bank with the paperwork to effect the assumption of the mortgage into my name only. Since that time ( XXXX XXXX ), I have been unable to access my account online, creating issues with my payments and ability to monitor my mortgage. Every time I click " make a payment, '' I am presented with an error message. 

I have had literally dozens of communications with U.S. Bank, both on the phone and in writing, since first contacting them about this issue on XXXX XXXX XXXX. The problem remains unresolved. While the customer service person with whom I have contact has tried repeatedly to fix the problem, she has been stymied. U.S. Bank is blaming XXXX XXXX, allegedly the software provider for the mortgage system. I have had multiple conference calls with them, logged on through a portal so that they could capture the " handshake '' between US Bank and XXXX XXXX and the error logs. The last thing I heard, XXXX XXXX had failed to capture the logs even though we had a special meeting with them for this express purpose. XXXX XXXX has also allegedly closed the " ticket '' for my concern at least once, even though this issue is not resolved. 
I have been told that other people who had assumptions of U.S Bank mortgages have had the same issue. 

There is no ETA to getting this issue resolved. Please help.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (NC)

The credit reported as XXXX XXXX is falsifying my student loan debt that I have filed as forgiven numerous times and the company has called and sought the mis use of my student loans on numerous occasions in hopes of gaining money that is already settled. 
In addition, the companies XXXX XXXX, and XXXX XXXX XXXX XXXX perpetuate credit use with XXXX XXXX records by switching company names and deleting payments made. The companies were suggested by XXXX XXXX who received payments and proceeded to perpetuate my payments as well. XXXX XXXX was told to be the account holders of XXXX hospital to this date. I have paid these companies numerous times and nothing has been shown on my credit report and my account balances continue to exist regardless of my payments.
Consumer complaint received 2017-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (PA)

I just relieved a notice from Chase that my Chase Saphhire account interest rate will go up at the end of XX/XX/XXXX ( XX/XX/2018 ). My current rate is 13.24 % and the new rate is 16.99 % - both variable. Here is my complaint : The notice that was sent, which I know is likely the least needed that is required, appears to be junk mail, and gives a very unclear understanding of what is occurring with the card rate. Although it clearly states what the NEW RATE will be, come XX/XX/18, it does not mention at all what the CURRENT RATE is, nor the what the INCREASE will be. It does not even state anywhere that the RATE IS INCREASING, and could easily be mistaken for a DECREASE in variable rate. I believe very strongly this is a form of deceptive practices that will prey on other consumers. There is no good way for a consumer to just what is fair if they are not being told clearly how their terms are changing. While I am sure the Bank ( JPMC ) would argue that a consumer needs to know their current terms, consider someone like myself who has had this card for at least 8 years or more, and hears % rates constantly for all sorts of reasons. I do n't remember, and I fear for older card holders and those not as able to recognize what is occurring or who may not understand that terms are allowed to change. I believe that JPMC could at least have been transparent about the change from OLD TERMS to NEW TERMS rather than just stating what NEW TERMS will take affect. Please communicate this problem to them clearly. I have spoken to their customer service about this problem but likely they will not do anything for which they are not explicitly required. Sending the notice in this drab legalese type B/W format, while XXXX knows any advertisement would be full of color and glossy with pretty photos, is obviously also an attempt to disguise the change and have consumers ignore it. It is a shame XXXX XXXX must n't be rich enough he has to take advantage of people. He must think consumers and the CFPB are all stupid. XXXX.
Consumer complaint received 2018-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

The original creditor was XXXX XXXX. It is a paid chargeoff, collection debt. I have been attempting to have the item removed off my file. My dispute was erroneous information, the date opened, the name and the actual date that Portfolio obtained this debt is wrong. I requested actual validation and they sent me 2 sheets of paper and the dates on the paper are the year of XX/XX/XXXXand XXXX and Portfolio did n't obtain the debt until XX/XX/XXXX. I sent correspondence to Portfolio and the credit bureaus on numerous occasions explaining that the information had to be correct and it is n't. I want the item deleted so I may move forward in my quest to have excellent credit. The debt is old and paid it has no purpose except to report as a negative item. I communicated with the credit bureaus and Portfolio on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I spoke with a XXXX XXXX in the dispute department of Portfolio about my concern and he told me that he understood and I thought I heard him say that the item would be deleted but as of today it is still in my credit file. So I am pleading for assistance with this matter.
Consumer complaint received 2017-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (WI)

My identity was stolen in XX/XX/XXXX. Ever since that date I have been working diligently to remove all fraudulent information from my credit report. However, there are some companies that just refuse to abide by the laws set forth to protect consumers from continual harassment. Citibank is one of those companies that just will not leave me alone. I have sent them my FTC Affidavit, Police Report, and formal Dispute Letter by registered mail. Despite all of my efforts they claim this card that was fraudulently opened in my name is mine. Their proof is that the name and address match. That 's it! I asked them for Application Records, Screen Prints of Internet/Phone Applications, Statements or Invoices, Payment/Charge Slips, Investigator 's Summary, Delivery Addresses, All records of phone numbers used to active or access the account, signatures on applications and accounts, and any other documents or records associated with the account. All I received was a letter from them stating they verified the account is mine with no explanation. I sent another dispute letter. Then they send me a letter stating they sold the debt to XXXX XXXX XXXX XXXX. I sent them a formal dispute letter stating I am a victim of identity theft. I told them they needed to cease collection. I advised that Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an an account if the victim asks for it. I requested the same information as stated above from Citibank. This letter was sent in XX/XX/XXXX. On XX/XX/XXXX, I receive a letter from XXXX XXXX XXXX XXXX stating that " ... we have confirmed the name and address listed on the account, as well as the amount owed. Listed below is a summary of the account. Also, enclosed are documents provided by the original creditor that confirm this account. Upon review of the enclosed documentation from the original creditor, we now deem this account validated. '' The " documents '' they sent was a Citibank statement dated XX/XX/XXXX. That 's it. Nothing else. When I tell them I am a victim of identity theft it means someone used my personal information ( i.e. name, address, social security number, birthdate, etc. ). Simply verifying name and address is ridiculous. They provided none of the information requested to truly verify an account. I want these people off my back, a letter of clearance that this is not my account, and my credit report corrected. I will get a lawyer if need be. I have already sued one creditor for the same reason and won.
Consumer complaint received 2017-12-04
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: CORELOGIC INC (TX)

I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.