davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-06-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have a 5 year ARM home loan, the loan matured to my knowledge XXXX XXXX, my rate and payment are suppose to remain the same for the remainder of my loan. I was told I had a five year increase beginning XXXX XXXX and finishing XXXX XXXX. My payment as been the same since XX/XX/XXXX, now for no reason they are trying to change, increase, the payment, this is very unclear to me because I was told that this would not happen.
Consumer complaint received 2020-01-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (RI)

This account was sent to Navient. I am the co-signer, the loan is for my granddaughter. 
I have had nothing but trouble with them. 
I followed all their terms but they do not respond and will not provide me with the information and paperwork associated with this account. 
I have contacted my state Senator XXXX XXXX and he provided this contact for me. 
I am totally exasperated with this company. 
I have been dealing with them for several years with no success. 
I would appreciate your help.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This morning, I found inaccurate accounts on my credit report and I don't know why. During my usual credit report check, these errors suddenly appeared. I attempted to refresh my browser to see if it was an error, but it didn't help. The incorrect accounts persisted after refreshing. Because of this problem, I ask for a meticulous review of my submitted documents to ensure this doesn't happen again.
Consumer complaint received 2024-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (PA)

My credit report is showing a collection account from Penn Credit Corporation, with the original creditor being XXXX. The account number is XXXX I was not informed prior to this collection that this account was being sold to a debt collector, therefore I am requesting debt validation Pursuant to 15 U.S code 1692g the debt validation should stated a detailed list of the history of payments made by me on this account, I want to see MY signature on a contract stating that I agree to pay this creditor, I am also asking has there been any insurance claim filed on this account, I want proof that you have chain of title to collect on this debt. According to 15 U.S CODE 1681b the creditor had no permissible purpose and 15 USC 1681 section 602 states that I have a right to privacy, 15 USC section604 ( A ) section 2 a consumer reporting agency cant furnish MY account without MY written permission. This account needs to be removed immediately.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc. (CA)

Ive had this account for several years now and just recently Ive been having issues with my account and this company randomly I been getting error messages saying that a identity verification or issue and to contact support I was told by support the issue should be fix and it still has not also a fraud charge my put on my account for {$92.00} which I dont understand how or why they would let it go through because I did not have that amount in my card and a deposit was made which I do not have access to because my account is overdrawn because of this fraud charge I did the whole process of submitting a claim for the charge and I was told by the representative that I would be receiving a provisional credit to my account in 15 to 30 minutes Ive still have major receive my money back into my account this all needs to be fixed immediately
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

XXXX Someone tried to open a credit XXXX without my permission XXXX XXXX XXXX to open a credit XXXX without my permission XXXX XXXX XXXX Someone tried to open about XXXX loans without my permission XXXX XXXX Someone tried to open about XXXX loans without my permission XXXX XXXX XXXX XXXXomeone tried to open about XXXX loans without my permission XXXX XXXX Someone tried to open about XXXX loans without my permission XXXXXXXX XXXX  I have more then XXXX inquiry from them XXXX XXXX XXXX XXXX tried to open about XXXX loans without my permission XXXX XXXX me I was told about XXXX lies on a car I was trying to purchase they said I could get the car with XXXX k down but then said I had to put XXXX XXXX down which is misleading and fraud Some of these car loans places wouldnt approve me without a co signer. After they said I could get XXXX and be approved they lied about that cause I still didnt get approved for the loan at all once I acquired the co signer My bank which is XXXX XXXX  lied said I couldnt get a loan but I talked to someone and they said they didnt have a problem getting approved with their new credit and just starting off which means misleading info and prejudice XXXX XXXX auto finance which is also my bank did the same thing mislead information to me
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

15 U.S. code 1681c-2 A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error. I HAVE ATTACHED MY FTC REPORT # TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX FTC REPORT # XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In XXXX I was convicted of a felony and stoped making payments on my debt. I have contacted the companies and have had no response. 
My credit report still shows a debt from XXXX XXXX of $ XXXX that was paid in full and the only fees are charges that they illegally charged. 
My credit report shows a debt from XXXX of {$5700.00} that has been delinquent since XXXX. It should be removed. 
XXXX XXXX shows a forclosure. I turned the house over to XXXX XXXX  in a simple lieu of deed. They were fully compensated for all loans and additional fees XXXX XXXX XXXX of {$3000.00} is simply an old creditor sold my bad debt and they continue to act as if it is a new debt. When in fact it is a bad debt from XXXX XXXX XXXX debt of {$560.00} is a company I have never heard of XXXX XXXX {$400.00} id another company that I never dealt with XXXX XXXX  {$130.00} I never dealt with XXXX {$88.00} i have no information about this
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Hard Inquiry disputes I dispute the following hard inquiries on my credit report under the Fair Credit Reporting Act ( FCA ), Section 611 [ 15 U.S.C. 1681 ], unverified entries must be removed. Please investigate and remove any unverifiable inquiries. 

Inquiry : XXXX, XXXX, XXXX  Institution Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Oregon XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX, XXXX XXXX Institution Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Oregon XXXX ( XXXX ) XXXX Inquiry : XXXX, XXXX, XXXX Institution Information : XXXX CAPITAL ONE XXXX CAPITAL ONE XXXXXXXX, VA XXXX ( XXXX ) XXXX Inquiry : XXXXXXXX XXXX XXXX Institution Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Inquiry : XXXXXXXX XXXX XXXX Institution Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH ( XXXX ) XXXX Inquiry : XXXXXXXX XXXX XXXX Institution Information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry : XXXX, XXXXXXXX XXXX Institution Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I want these accounts to be removed as they were removed before and now are re-appearing on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I applied to refinance with Bank of America for my existing mortgage account.. I submitted my bank statements as requested which listed a refund from my XXXX XXXX XXXX. I also filed XXXX in XXXX  as my mortgage was not listed on my credit report. BOA request information regarding the credit from XXXX XXXX XXXX XXXX XXXX I provided the statement from the school showing this was a refund, provided 3 documents to this which listed this as a credit as well as the name of the school, they continued asking for a detailed summary. I asked the lioan officer and his assistant to clarify this was not done, they kept saying they will email the underwriter. I was told I needed to reaffirm the debt to XXXX XXXX XXXX XXXX for the mortgage account. I explained to the the mortgage for at the time of filing was XXXX XXXX I spoke with an attorney who asked me to ask them the reason they are requesting this. They still have not provided a reason other than this is what we require. XXXX XXXX XXXX XXXX where I have the mortgage advised they don't require a reaffirmation as they know most judges denay the request. I sent a complete payment history and they didn't accept it. I have wasted XXXX weeks on this and I am now looking at a higher interest rate because of this. No one is providinga a valid reason to have a consumer pay money to re-open a discharged case that may be denied on a closed account and that will extend the filing on my credit report.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/year> I noticed funds were being withdrawn from my mother 's - who is XXXX XXXX XXXX - Bank of America checking account. I called the bank and spent more than an hour trying to deal with the issue. The bank was to put a fraud alert on the account to stop withdrawals. Over {$8000.00} was taken. I removed the rest of the funds. 

On XX/XX/year> more funds were taken so Bank of America was called and I was told that Bank of America did not put the Fraud Restriction on the account as they should have. I was told that now no more funds will be removed. BoA credited back some of the funds but they were taken by the new fraudulent transaction. 

Currently on the phone with Bank of America- it has been over 40 minutes that they keep me on hold after explaining the issue - XX/XX/year> - more funds were removed from the account this morning putting it under XXXX when I was told that this would not happen. 

They are not doing what is needed to protect my XXXX XXXX XXXX mother from Fraud and wasting my time.
Consumer complaint received 2024-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A. (FL)

During the month of XXXX I received letters from the bank stating I needed flood insurance. After a spate of three or four letters I received one final letter stating I did not need flood insurance. The letter was from the bank and dated XX/XX/XXXX. Based on that letter and the fact it was the last one I received and it was a complete reversal from the other letters stating I did need flood insurance, I did not bother investigating flood insurance. A few weeks later I received letters and an invoice from the bank stating they had purchased flood insurance on my behalf. After numerous calls, including one where I was told that the letter stating I did not need flood insurance never existed and that it wasn't in their files and basically told that I was wrong and I didn't receive such a letter, I was handed off to a very sweet woman who helped me look at the flood insurance purchasing aspect. She found the letter within a few seconds and, paraphrasing, said from what it says it does not look like you need flood insurance. A subsequent call to PNC and I was told that I did need it and subsequently scrambled to purchase flood insurance. Apparently at some point from their purchase and mine there is a gap in coverage that I'm being charged {$200.00} and some dollars for. Being that the two letters I received from PNC which stated I did and then I didn't need flood insurance, and the last letter I had received stating that I did not need flood insurance, I don't feel that this charge is correct and should be rescinded immediately. After receiving conflicting information via phone calls to PNC as well, I only believe the strengthens my case and I should be refunded that money immediately. I have never missed a payment, I have always overpaid my bill, and I have been nothing but a good mortgagee. As it seems that all of these complaints is routed through the executive client relations department and are typically the only way I can get a timely response, I am hoping this is seen by other people in that department. I have left numerous messages, sent numerous emails to XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and some to XXXX XXXX ( XX/XX/XXXX ) and with few exceptions, have never received any replies. I can document every date that I sent an email and received nothing. Numerous people have said they will call back and never have. With so many empty promises and never returned emails in reference to what is essentially my paying for their mistake, my faith in PNC and it's executive client relations department is nil.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

my accounts that are on my XXXX report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a victim of fraud I am a vulnerable adult with XXXX
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I purchased zip ties from XXXX XXXXXXXX XXXX on XX/XX/XXXX with my Capitalone debit card and returned them today XXXX XXXX XXXX I was provided a receipt showing the amount of {$10.00} being refunded to the same Capitalone debit card. After I received an email from Capitalone saying a purchase of {$10.00} from XXXX XXXX XXXX was denied because it had an invalid expiration date. I called Capitalone and it turned out that they rejected my refund for an invalid expiration date. I asked how can that be as my card was scanned at purchase and my receipt was scanned for the refund. So there was no manuel intervention where a date was entered. They told me me it is XXXX XXXXXXXX XXXX 's error and there is nothing they can do. I should go to XXXX XXXX for them to reprocess. I already returned the merchandise and have only a receipt showing the refund went to my Debit Card. Capitalone refused to do anything. I asked them how they can block money going back to my card. They kept telling me there is nothing they can do and I need to talk to XXXX XXXX. I feel Capitalone stole my {$10.00} since I have no way of getting that money back. They did an aggregious injustice to me and as a bank they should be responsible for getting my {$10.00} back to me.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ALLY FINANCIAL INC. (MD)

I called on TWO occasions to notify Ally Auto that I was having problems with the payment account on file due to a disputed transaction that occurred on my bank account. I had to open another bank account for my monthly payments to continue with the new account information which went way after my due date. I even made a payment over my usual payment to confirm my willingness to continue working with them. They have inundated me with phone calls at odd times of the day including unsocial hours which I find very frustrating and unprofessional. I have since continued to make my regular payments as scheduled ever since bringing my account up to date but the late reporting have impacted my credit score and its making it impossible to get on with the required financial headway of every day life.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have contacted Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/2024 in reference to not utlize myequifax.com. I have spoken to three differerent people that told me they will escalate the problem which when I log into myequifax.com, my profile will not allow me place a security freeze, I can not view my personal information, I can not view my score, I can not view my disputes, and I keep getting the message " Give this code XXXX  to the agent. 

Each time, I give the agent the code. The last rep I spoke with by the name of XXXX. He stated that Equifax has received my identification and that he is not sure why I am not allowed to see anything on my profile and that he will escalate the workorder. 

This is becoming incovenient to me as a consumer. I should be allowed to see my profile, place a security freeze and very any dispute for my records.