davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (CA)

I spoke to a associate on the XXXX of XXXX he advised me somone from the escalation team is going to contact me within 7-14 business days no one contacted me to get the card reissued i keep receiving mail from the company bbva telling me to use my card in order for to receive cash back offers. I have called numerous times to the company with no resolution or information on my account on the XXXX of XXXX I receive a email telling me to give them a survey on the resolution which I still have not recieved.
Consumer complaint received 2023-01-01
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: SLM CORPORATION (SC)

I did not applied for a student loan with Sallie Mae. In XXXX of 2022 I receieved a statement from Sallie Mae and reported the fraud. I did not authorize them to pull my credit nor did I co-sign on any student loans.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (PA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CHRYSLER CAPITAL add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

i have submitted multiple disputes to the 3 credit bureaus as well as Capital One and they just come back verified ... how did they all conduct proper investigations when all of most of the information is inconsistent across all 3 bureaus reporting? they didnt conduct a proper investigation ... i am attaching a snip of my 3 bureau report as well as a few of the letters i sent ... .they are in violation and i need this deleted now ... they are reporting different balances, different highh credit, different credit limits, different past dues, it has been re-agaged, and take a look at that inconsistent 2 year history ....
Consumer complaint received 2020-12-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Select Management Resources, LLC (OH)

On XX/XX/XXXX I received a Credit Monitoring Alert that a Collection Agency called XXXX XXXX XXXX in violation of FDCPA I had not received a letter or attempt to contact me allowing me 30 Days to Dispute. On XX/XX/XXXX I received a letter in the mail offering to settle for a discount at {$6000.00}. This Title Loan through Loanmax in XXXX, Ohio was settled in full on XX/XX/XXXX with the return of the Vehicle and sold for settlement. I spoke to XXXX XXXX employee XXXX at XXXX XXXX XXXX and explained to him that this had been resolved over 2 years earlier and I had an outstanding Credit Report that has never had a derogatory remark. He informed me that he was putting in a immediate delete with all 3 Credit Bureaus. I followed up by sending in proof that Debt was paid in full and this was settled. The emails were sent the same day to the Compliance Officer. I have been checking my Credit Report and it still has not been removed. I filled disputes with all 3 agencies on XX/XX/XXXX. This company has been sued in multiple class action lawsuits and has more negative reviews with the XXXX. The agent was polite on the phone but the company did not follow through. Please get this off my Credit Reports!!
Consumer complaint received 2022-03-25
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. (OK)

I have called over and over and have submitted the dispute online over and over and they are not fixing the error. The below hard inquires are fraudulent and need removed ASAP! 

XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 THESE 3 ARE FRAUD A NEED REMOVED ASAP FROM MY EQUIFAX REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT REPORT ATTACHED FTC REPORT
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Yes 2020 I had gotten XXXX XX/XX/XXXX someone got my card I ordered a new XXXX end of XX/XX/2020 and the money was mostly gone my roommate did it I told bank of America they said there refund me then sent a letter eorr they keep sending me letters to open my claim but they send the same thing error so I don't know what to do
Consumer complaint received 2023-03-10
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. (LA)

I went to these banks to check to see if I wouldve been able to be approved for a vehicle and I told the lenders to not run my credit for these possible inquiries but they ran my credit without my knowledge or permission, violating my Fair Credit Reporting Act right to privacy.
Consumer complaint received 2023-01-01
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2017-04-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I opened an account with PenFed Credit Union back in XX/XX/XXXX. I credited the account with a XXXX dollars and never used that account again until today. So since there were no mouvements, they closed the account and sent the money to the previous address I used to live. I was not aware the account was closed. They never called or sent me an email. When I called on XX/XX/XXXX at XXXX, XXXX from PENFED told me they sent the check of {$100.00} to my previous address and I wo n't be reimbursed for that amount.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (MI)

In violation of FCRA 15 USC 1602p, this company is using my alleged credit report for an unauthorized purpose. They have furnished my alleged consumer reports with false unverified information, hurting my ability to access my use of consumer credit. They have not provided any proof of an actual inquiry. They've stolen my information to use it to damage me.
Consumer complaint received 2023-02-08
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it once again. It is not permissible to fail to validate this reporting account as unverified information without providing proof. My credit report includes the following erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-08
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it once again. It is not permissible to fail to validate this reporting account as unverified information without providing proof. My credit report includes the following erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have never done any type of business with XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX. The accounts are errors 623,611 609 FCRA and need to be removed at once. I am in the middle of closing on my new home and these errors are holding me up from my new home purchase. I have attached a copy of my ID and SS and a request for a NEW UPDATED CREDIT REPORT.
Consumer complaint received 2023-03-10
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. (NC)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-12-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (NE)

Due to covid my husband lost his job, I put my mortgage in forbearance for 6 months. I only missed 2 payments in that time which now I owe XXXX. My lender is quicken loans. After I exited forbearance, the only option that I was given was to modify my loan. They wanted to modify my loan at 5 % interest rate for 30 years raising my payment from XXXX a month to XXXX a month. So being only XXXX behind on payments they want me to pay XXXX more over the course of 30 years. I refused to take the modification, I cant afford for my payments to go up that much and I dont think I should have to pay XXXX for being only XXXX behind. So after I refused the offer they refused to give me any other option, and now stated they will have to report my delinquency to my credit report, and do it every month until I can get caught up. I dont feel this is fair practice, and I know if they are doing this to me, whats happening to the millions out there in my position. Unfortunately if this is what they are doing millions are going to be homeless because just like my situation my husband did find a new job, but isn't making as much as he was before.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

In XX/XX/2020 I sent XXXX and Equifax a 609 Letter/ Dispute advising the items on my credit report was incorrect and advised these two companies I had no contract with these companies and to show proof there was a contract with a Wet Signature proving I signed a contract with these companies and if nothing was provided to removed these negative items from my credit report. Contract Makes The Law ... ... .. No contract no obligation. This is clearly FRAUD and the credit bureau continues to report fraudulent information to my credit report.. They are not doing their job or due diligence. 

XXXX XXXXXXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Starting XX/XX/XXXX, out of nowhere my federal student loan started showing as delinquent while we were under a national XXXX pandemic. Federal student loans are suppose to be in forbearance and protected from wrong reporting and collection activities. I reached out to my student loan servicer XXXX & they informed me that the account payment information will be corrected, they also advised me to reach out the all credit bureaus. It's been months and my credit reports still show delinquent payments from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2020-12-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAINE & WEINER COMPANY, INC. (OR)

XX/XX/2020, Scam artist company called XXXX XXXX pretended to be our copier  vendor to sell toner. Without asking them to send any toner or supplies to our company, they sent it anyway. We still have the product in boxes, unused. XX/XX/2020, they send us a bill for around {$520.00}. The new assistant at our office paid this without questioning it. After a week when I caught that she had paid this company without having me authorize it, I had to call our legitimate copier company which they confirmed that we had paid a scam artist and the supplies our copier company has, would always be free of charge since we pay a yearly contract with them. Our legitimate copier company and they confirmed that whoever I spoke to at XXXX  XXXX  is not legitimate and a scam company. 
At this point, I had to get a refund from XXXX  XXXX  because we actually never ordered the product in the first place -- but also, because they are scam artists. I explained to XXXX  XXXX  that I would be willing to send them the supply of toner that they sent without confirming that we even wanted it sent to us. They said they emailed me the return label but I never received anything. Today ( XX/XX/2020 ), I received a letter stating that they sent Caine & Weiner, a collection company, to collect {$550.00} from us. I looked up CAINE & WEINER and many people have said this was a scam company as well. 
I am STILL willing to just send this package back to them as long as they pay for the shipping, which they said they would. Now I see that this is how they get their money.. they faked like they sent an email with a shipping label but they don't. Then they send collectors, CAINE & WEINER, out to get the company.
Consumer complaint received 2024-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC. (IA)

Me and my wife bought a house for XXXX $ in XXXX XXXX once we sold our old property, we put XXXX $ to decrease our monthly payments and remove PMI. After the payment, our principal went down to {$270000.00}, which should be enough for the PMI removal. I submitted a PMI cancellation request to the lender in XXXX. They charged me {$250.00} for the recast and an additional {$250.00} for a Broker Price Opinion ( BPO ) for PMI removal. The broker evaluated and appraised our house at {$320000.00}, a valuation we strongly disagreed with. We believe the broker should have considered the upgrades we made to the house, such as upgraded carpet and carpet pad throughout the house and the addition of a deck. Additionally, the broker used houses in our area with smaller lots as comparables, which we believe affected the valuation. In an effort to resolve this, I expressed my disagreement with the lender and provided them with properties from our zip code. I also raised concerns about the broker 's work and requested a reevaluation of the appraisal, but they rejected it. I sent them the list of comparable houses twice, essentially doing the broker 's job, which I believe they needed to redo, but they rejected both times. There aren't many houses in our area, especially two-story ones like ours. They suggested paying the cash difference to reach 80 % and remove the PMI, but I firmly believe our house was appraised inaccurately, and we should have enough equity to remove the PMI without that. 
I used an appraisal calculator on their website, and it showed me that our house increased in value by 0.8 %, which I also included in the lender 's request. 

Additionally, the lender removed all the messages received/sent before XXXX from my message box on their website.
Consumer complaint received 2024-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (OK)

Filed an insurance claim and a $ XXXX check made out to myself and NewRez was sent to NewRez on XX/XX/year> by XXXX. Check and paperwork were confirmed received but they said they would need to perform an inspection of the repairs. Inspection was done on XX/XX/year> and final was sent to NewRez showing everything was done. Contractor has long been paid from money out of my savings account however I still have not got my money from NewRez.
Consumer complaint received 2023-08-17
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. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2020-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

It has come to my attention that National Credit Adjustment recovered a payment for a debt that I never owed.National Credit Adjustment reported a collection account to my consumer credit file. I have learned that I do not owe this alleged debt. If National Credit Adjustment had the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that National Credit Adjustment collected. National Credit Adjustment had no legal right to attempt to collect a debt as I never authorizedan account with their named creditor. National Credit Adjustment never validated this debt nor sent me a notice of collection. I have learned that National Credit Adjustment is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removedfrom the credit bureaus immediately as this should not have ever been reported
Consumer complaint received 2020-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (PA)

I received a call from credence consumer credit end of XX/XX/2020. While speaking to representative she mentioned amount owed and if needed to wait until I got my check book to pay. Didnt ask reasons for call. My response was I am disputing this charge. Representative took my information and assured me it will be looked into. IT WAS PUT ON MY CREDIT AS COLLECTION THAT DAY!!! No more correspondence at all other than my dispute it with credit bureaus. I can pay but do not owe this. I am being charged for services I did not use.
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OH)

An overpayment was made via   XXXX   XXXX   transfer by mistake and chase wo n't issue a credit balance refund so I can get the money back to the ironical creditor in a reasonable amount of time.