davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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. (GA)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-22
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: Experian Information Solutions Inc. (NC)

There is a XXXX  XXXX XXXX Credit card account which erroneously shows up on my credit report. It has nothing to do with me and I am not associated or authorized on this card. It was evidently opened in XX/XX/1999 in the names of XXXX XXXX and XXXX XXXX. There is a running balance of close to {$6000.00}. I have verified by phone with XXXX  XXXX XXXX that my name is not associated with this card - and I am NOT an authorized user. I have also verified this in writing with the card holder XXXX XXXX. 

Despite my having disputed this card account with Experian, I was not able to get an accurate/favorable resolution. Experian says that they cant do anything and it will stay on my credit report - even though I have never had this card and I am not associated with it in any way. 

Because of this, I was not able to qualify for the recent refinancing of my home. I spent six hours on the phone with Experian and XXXX  XXXX XXXX to resolve this, but Experian refuses to do anything. All of my credit card accounts have a zero balance or are paid in full monthly. This card with XXXX  XXXX XXXX has a high running tab - which evidently is used for XXXX XXXX College Expenses. 

Please help me get this taken off of my credit report. No other credit agency includes this card. It is an erroneous inclusion by EXPERIAN.
Consumer complaint received 2020-04-03
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, 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: CBC Companies, Inc. (FL)

Factual Data has pulled a hard inquiry on my credit file twice in XX/XX/2021. Factual Data can not access my XXXX  credit file after I have removed my security freeze. Factual Data is able to access XXXX, and XXXX  with no problems. 

I contacted XXXX directly and they have confirmed the security freeze for my credit file is temporarily lifted. Factual Data should be able to access my credit file.
Consumer complaint received 2021-03-22
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. (GA)

This is not my accounts and inquiries. I want them to disappear forever. I have no idea how they appeared in my credit report but I want them to disappear as they are not mine. I am victim of identity theft and please help me. Please check who could use my personal information and apply serious investigation.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

I spoke to a representative XXXX XXXX from penny mac. This is in regards to refinance of my current mortgage that I have with Pennymac. We began to speak in XXXX. I was directly stated that if there was no chance or poor possibility please dont waste my time. I handed him all my credentials and he assured me all will be good. I was then referred to another representative XXXX. My mortgage was on hold but when I spoke to XXXX after weeks of him not getting back to me he assured me again we were fine. I was never able to communicate with XXXX he didnt respond to my calls or my messages. He finally asked for more information that was requested. I sent it within 24 hours. He never communicated after that. I found out through a web page I was denied. After more than 2 months of assurance this was not supposed to happen. I was completely honest and there was no surprises at my end. This man was pulling me along and now rates have risen significantly.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I submitted on XX/XX/2022 and XX/XX/2022 for the wrong address/ and the wrong name to be removed but I have not recieved a notice or a follow up responce. 
I am unfamiliar with the address and the name on file and its not unaccurate.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CHARLES SCHWAB CORPORATION, THE (FL)

I have been attempting for over 4 months to close this account with charles Schwab and they are making it impossible to close and have the money returned to me. We have called and sent emails numerous times without any success. I am the XXXX  of an company and neither I nor my vice president nor my manager has had any success. As this account is not earning much interest, I want them penalized for the loss of the past 4 months whereby I could have reinvested the money the way I wanted.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

An incorrect address has appeared on background checks that is inaccurate. It is very close, but incorrect nonetheless. 
Dates were from XX/XX/XXXX - XX/XX/XXXX. 
My correct address dates were from XX/XX/XXXX - XX/XX/XXXX. 
This doesn't have any amount of money attached to it that I know of. 
I attempted to change this the last time it came up during a background check for a teaching job and had been assured that the information was corrected. 
The company that returned the report is EXPERIAN but it seems the Social Security Administration also is in error.
Consumer complaint received 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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
Consumer complaint received 2021-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MD)

This started in XXXX. I was notified by EOS CCA about an account opened with in XXXX, saying we had a past due amount of {$84.00}. The last name is wrong and so I called XXXX and was told I was never sent to collections, since the account was opened and closed within a few weeks, with no due balance. They no longer could give me any more information. I contacted all 3 credit bureaus and within 24 hours, the collections debt filed on my accounts were closed. In XXXX, I received another letter, I have enclosed. I contacted Maryland 's Attorney General and was connected to an Examiner XX/XX/XXXX. I can not find the response from EOS CCA, but I have reached out to the original Examiner for more help as well. They admitted they made a mistake and was going to be closing the account. As you can see, we received another noticed and the difference between the previous letters are the prefix account numbers. This is a scam to get money we never owed. Will they continue to harass me each year by simply changing the prefix account? I need help.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (IL)

The car was in an accident due to mechanical errors. I am out on XXXX because of this accident. CarMax took the car XX/XX/XXXX but is still reporting as if I have the car. I already voluntarily relinquished the car. Since they refused to fix it after I almost died in it. They have had the car for over a month and at are fraudulently reporting as if I have the car and not paying. The account was reported XXXX past due in XXXX now it's says XXXX past due and I don't even own it. They already sold it and they keep calling me every day harrasing me about the car when it's sold to someone else. I tried to pay them in XXXX for the car back if they corrected my credit report to say that it was not late or past due. Because it really wasn't if they fixed it so that I can drive. They are lying on me and it's distasteful.
Consumer complaint received 2022-06-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.
Consumer complaint received 2021-03-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

CMRE FINANCIAL SERVICES INC. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CA XXXX Phone : XXXX Fax:XXXX Manager : XXXX XXXX Attached is a print screen of my credit card statement payment/receipt directly from XXXX and XXXX XXXX XXXX. 

Payment was made on XX/XX/XXXX to CMRE Financial Services Inc. On behalf of Creditor " XXXX XXXX XXXX XXXX date of service XX/XX/XXXX for a bill that is over 6 years old and when I was on Medical. '' Payment was made by XXXX Master Card for the amount of XXXX - confirmation number of payment by CMRE Financial Services Inc. XXXX XXXX XXXX XXXX for the amount of XXXX - confirmation number of payment by CMRE Financial Services Inc. XXXX Amount was paid in full with the agreement CMRE Financial Services Inc. will remove it from my credit report on XX/XX/XXXX. 


Removal never happened and on XX/XX/XXXX I called CMRE Financial Services informing the bill is still on my report, CMRE now informed me they do not do removals. 

Total : XXXX triple the amount the credit reporting agency is currently reporting XXXX XXXX XXXX XXXX Since XXXX of XXXX to current : I have done every dispute on XXXX, XXXX, and even got XXXX XXXX XXXX ID Case # XXXX Paying a monthly fee to have this removed from my credit report. XXXX XXXX  can not reach anyone in CMRE FINANCIAL. XXXX XXXX Claims to have sent letters to CMRE, XXXX, and XXXX.
Consumer complaint received 2021-03-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

Finally got information from XXXX in regards to deferment policy through this forum. They stated in-school deferment periods for XXXX studies and XXXX studies. According to their policy, I still have in-school deferment time for XXXX studies. FIRSTMARK SERVICES was servicing my loan while I was enrolled in XXXX  studies in 2020. FIRSTMARK SERVICES decided to put my loans in repayment at the same time I was enrolled in 2020. I have not exceeded 4 years of XXXX  studies. Labeling my loan as Delinquent was done in error and they wrongfully charged off the loan. Furthermore, XXXX nor Firstmark NEVER made me aware of their deferment policy. None of the paperwork I received or signed states a specified time period of deferment. I was only informed that as long as I was in school studying, that my loans would be in deferment. I was never warned of a deferment cut-off. It is unreasonable and unethical to hold me accountable for a policy that I was never made aware of. Plus, FIRSTMARK SERVICES refusal to admit fault in wrongfully placing my loan in repayment is unprincipled. My loan should not be in collections. 

The Attached document will show highlighted section that states time period for in-school deferment while pursuing XXXX  studies. It will also show that the company only gave me deferment for XXXX studies.
Consumer complaint received 2021-03-22
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)

XXXX XXXX XXXX stop reporting my payments to the credit bureau agencies from XX/XX/XXXX to XX/XX/XXXX. Their reason/excuse is due to the economic relief Cares Act which has actually hurt my credit rather than help it. In addition to this, XXXX XXXX have FALSELY reported my payment history in previous months. They reported my account to be 60 day late twice in XX/XX/XXXX and XX/XX/XXXX. I disputed this information with the credit bureaus twice but the inaccuracy remained. Finally I wrote XXXX XXXX XXXX department on XX/XX/XXXX, they replied to me via mail and according to their own research, the payment history they provided for my account DOES NOT show any 60 day late in XXXX ( see attached ). So the information provided to me from their research letter IS NOT the same information they're providing to the credit bureaus.I provided the letter to the credit bureau ( EXPERIAN ), they acknowledge the discrepancy, however they inform they are not able to update the information without XXXX XXXX XXXX providing them the updated information. This issue has made it extremely hard for me to purchase a home for my family as well as other financial obligations ( rental, auto refi, etc ). XXXX XXXX XXXX should be held accountable of the way they've mishandled my accounts. This is a clear violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/XXXX due to the COVID-19 pandemic, I entered into a loan forbearance on my home mortgage from XX/XX/XXXX until XX/XX/XXXX. I have contacted my loan servicer Bank Of America on several occasions starting on XX/XX/XXXX, to discuss a possible extension of my forbearance or a loan modification since I am still being economically affected by the COVID-19 pandemic. And also what the next steps were since my forbearance agreement was ending. I was told by several customer service representatives that they were unable to assist me due to the legal status of my account. Which I found to be strange. 

I am requesting that I be assigned a single point of contact to discuss my options on my home mortgage, I am also requesting that I be assigned to some one with in the office of the president of Bank of America to help me with my home loan assistance. I am a veteran I do not like the way that Bank of America has been treating me with the request of assistance with my home mortgage. 

I know the COVID-19 has been hard on everyone, but I still expect to be treated fairly and not discriminated against due to my status or my race. Bank of America is the servicer of my loan and should be able to discuss with me the options and the guidelines that the owner or the investor has for home loan assistance on my mortgage loan.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Flagstar Bank, N.A. (MS)

I was notified by mail about a data leak from a third party platform. I never recieved an " opt out notice '' from the company to protect my information prior to the incident.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CHARLES SCHWAB CORPORATION, THE (CO)

I attempted to put in a trade for NOK using Schwab 's brokerage services and a pop up notified me the trade was halted, so I cancelled but the trade went through an hour later when the stock tanked. Schwab has not provided a resolution for this.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (KS)

I engaged Amerisave to refinance my primary residence on XX/XX/2021 due to their low rates after considering multiple lenders. 

My loan originator was very friendly, responsive, and helpful until I paid the {$500.00} application fee, at which at which point I got passed off to what seems to be an automated system with no one to answer questions. When I was able to get some sort of response from a person ( which was rare ), I received short answers that led to more questions, or they assured me they were working through things or exploring alternatives which never panned out. While waiting for answers to questions, Amerisave continued to send me many, many emails, texts, and even phone calls from other agents demanding that I upload documents that I had already uploaded before.

I am very credit worthy. I believe Amerisave either did not engage me in good faith and never intended to go past the point of collecting the {$500.00} fee or they have a broken system. Either way, this company is taking money from customers and not providing a service or product in return.
Consumer complaint received 2022-06-02
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: CREDIT ACCEPTANCE CORPORATION (AR)

Credit Acceptance account was opened XXXX and closed in XXXX .. due to job lossin XXXX I was attempting to co sign for my daughter car and they told dealership not to approve application without contacting them I reached out to a attorney whom sent them a letter on my behalf to stop contact and the statue of limitations on account over XXXX XXXX XXXX XXXX XXXX they have sent another letter through another law form XXXX XXXX XXXX XXXXXXXX ) XXXX I dont understand this constant harassment and denying of applications from this company.
Consumer complaint received 2021-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Happy Money, Inc. (CA)

Around XX/XX/2020 I checked my credit and discovered that a loan was issued in my name from a company called Payoff/Happy Money in the amount of XXXX. I made attempts to contact this company but never got through to anyone ( Possibly due to Covid 19 ). I then contacted the 3 credit bureau 's to dispute these charges directly. I have not nor have I every taken a loan out or had any business dealings with this company/organization ( PAYOFF/HAPPY MONEY ). Im not sure how my information was stolen but I did NOT authorize an loans in my name or on my behave. I contacted the XXXX XXXX police department and filed a formal police report
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IL)

I opened a Chase XXXX XXXX account on XX/XX/2021. I did this after I received an email to my college email account about the Chase {$100.00} XXXX XXXX XXXX. As attached below, I clicked on the open an account button which says in fine print under it coupon code applied when you click Open an account. I made my account using that button and I then completed 10 qualifying transactions which wouldve given me the {$100.00} bonus. I waited 15 days and nothing so today XXXX XX/XX/2021 ) I called Chase Customer service. They told me that the coupon code I had been given actually wasnt applied when I clicked on the open an account button and now because 21 days had passed the coupon code is now completely worthless. This is definitely at the fault of Chase, I clicked the link and my coupon code shouldve been applied but it was not.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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  Account Number # XXXX has violated my rights. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-22
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. (NJ)

Hello good morning, I have been trying to get these few fraudulent accounts off my credit report and I reach out to the XXXX, transunion and XXXX regarding this and they explained that i need an ftc report. This is affecting my credit profile really bad. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license to help verify my identity. Thank you