davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XXXX I have invalid inquiries on my report and XXXX has not helped me at all and they did not remove these inquires. They are the worst credit company to try to get help from with your credit. They keep asking for letters to be mailed, which I think someone is using my ssn # as I am sending mail to XXXX. XXXX has helped me and they are still working to remove credit inquiries. XXXX I have no problems with them at all.
Consumer complaint received 2021-12-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: My Mortgage, Inc. (NY)

Hello, I have worked with an unlicensed loan officer from mymortgageinc based out of Maryland. Their XXXX  is XXXX. Id like report a XXXX XXXX who has helped me with this process, she said she was licensed and quoted me rates and terms. I have recently found out she doesnt even have legal documentation to be in this country. She changed rates for me last minute violating my trust.
Consumer complaint received 2021-12-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Hello, i was taken advantage of due to mal practice while several laws were being broken by FCRA by your company and have been having financial difficulties unable to get approved for any credit cards or loans and have been majorly impacted by the misleading report from the credit bueraus.This has effected my abilty to obtain any credit and even get a job.
Consumer complaint received 2021-12-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Hello, i was taken advantage of due to mal practice while several laws were being broken by FCRA by your company and have been having financial difficulties unable to get approved for any credit cards or loans and have been majorly impacted by the misleading report from the credit bueraus.This has effected my abilty to obtain any credit and even get a job.
Consumer complaint received 2019-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (VA)

This credit card from SYNB/JC Penny 's DC reported balance of {$620.00} and credit card amount of XXXX opened XXXX XXXX is fraudulent.The address isSYNCB/JC PENNY 'S DC XXXX XXXX XXXX XXXX, GA XXXX USA This credit is on my XXXX  report.I never opened this account.
Consumer complaint received 2020-09-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX of 2019, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, TX added a derogatory mark on my credit profile per MyFico iao . Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify collection. Also, there was NO written form of communication for contract or signature for this accused debt at all.
Consumer complaint received 2021-12-16
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: Penn Credit Corporation (MD)

IDENTIFICATION NUMBER is I disputed 2 items on my account, and of course you sided with them?? Please have them PRODUCE INFORMATION FROM MY FILE that indicates I've done business with them. I sincerely have never heard of either one of them?? 
XXXX XXXX XXXX XXXX XXXX {$0.00} - - - Dispute PENN CREDIT CORP XXXX {$1200.00} - - - Dispute
Consumer complaint received 2017-07-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

XXXX/Experion Credit Reporting Agencies Credit Report Dated XX/XX/XXXX Upon receipt of credit report dated XX/XX/XXXX, I noticed I have a " Derogatory public record or collection record '' contributing to my FICO score and I would like the detail of the this record. I have no knowledge of this problem and I would like to go back to originator of the comment and determine if an error has been made. In the event that remark is accurate, I would like to resolve amicably. <P/>I have calledXX/XX/XXXX and Experion on a multitude of occasions and have yet to speak to a human being or get any detail related to derogatory mark. <P/>I have attempted to use XX/XX/XXXX Online Dispute page ... .only to find the website complaint page unresponsive ... ie. after entering my data, I select submit and nothing happens. <P/>I am quite frustrated. Thank you for your assistance.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (NY)

This company has repeatedly ignored my request for this account to be removed or updated from my report based on the inaccuracies they're reporting. There is not just one but multiple inaccuracies across all three credit bureaus, which include high balance, date of last activity, date opened, and date of last payment. According to the FCRA all information contained in my credit report should report exactly the same, however, it is not.
Consumer complaint received 2015-06-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (NV)

There is an account on my credit report that is reporting in error. I have disputed this information with the credit agencies XXXX times now and the creditor keeps telling them that the account is valid and therefore is still reporting on all of my credit reports. The creditor is reporting to XXXX credit agency that the last date of activity is XXXX/XXXX/XXXX which is completely inaccurate since I have had no dealings with them ever. Then they are reporting to another agency that I made a payment to them in XXXX which is completely false because I never paid them anything and that they account was opened in XXXX which is also inaccurate since I know this account is well over XXXX years old. I know that by law they have to remove items that are over XXXX years old and I 'm not sure why they keep falsely reporting this debt on my credit report.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

I am tired of the run around from Mr. Cooper in trying to come out of forbearance ( via the CARES Act ) which has been ongoing now for the last 8-9 months. Where to begin? I was told up front I'd be able to enter a deferral plan upon exiting forbearance only to be told other-wise. I then subsequently wasted MONTHS on 2 loan modification requests which were both denied.

Now there has been mis-representation on who actually owns my Note which has led me to believe there are greater mechanisms occurring in an attempt to foreclose on my home. Per the attachment, after asking several times, Mr. Cooper informed me that Federal Home Loan Mortgage XXXX XXXX XXXX ) holds my mortgage Note. However, I spoke to XXXX XXXX on XX/XX/XXXX and they told me that they DO NOT OWN MY MORTGAGE NOTE AND HAVENT SINCE XX/XX/XXXX. You can call XXXX ; ( then select Option # 1 ) to verify this information.

This therefore begs the question : Why would Mr. Cooper send me a letter fraudulently stating otherwise? ( again, defer to attached ) MR. COOPER NEEDS TO ADVISE ME WHO OWNS MY LOAN NOTE IMMEDIATELY ALONG WITH THEIR CONTACT INFORMATION OR I WILL HAVE NO CHOICE BUT TO PURUSE LEGAL ACTION ON THIS MATTER DUE TO THE FOLLOWING REASONS : 1 ) Mis-representing the owner of my Note ( for YEARS ) as being XXXX XXXX XXXX 
2 ) Not allowing me a deferral option post-forbearance after being told otherwise up front. All Im repeatedly told is Deferral is not allowed. '' SAYS WHO???? I would like to hear it directly from this mysterious owner and/or investor of my Note.

3 ) Not allowing me to take a loan modification either : I was asked UP FRONT if Id accept a higher payment for the 2nd loan modification request. After saying Yes and then waiting for 5-6 months, I was told my loan modification request was denied because the payment couldnt be LOWERED. Really?? Why ask me then if Im ok with a higher payment up front if it was already known raising the payment wasnt even an option for a loan modification? I was never advised by any of the many representatives I spoke to for either of my loan modification requests, that approval was based on the presumption of a lower monthly payment. 
4 ) The imposter investor named XXXX? Last time I called, I was told by the representative XXXX was the investor holding my Note whom allegedly does not allow deferral options. Interestingly, I can not find any company by that name. 

I AM TIRED OF THE LIES, MIS-INFORMATION AND RUN AROUND. I AM READY AND ABLE TO RESUME MY MORTGAGE PAYMENTS BUT MR. COOPER HAS MADE IT IMPOSSIBLE IN MY MANY ATTEMPTS TO DO SO AFTER MIS-LEADING ME UP FRONT. 

I feel that at this point, due to all of the mis-information, confusion and their unwillingness to offer any asisstance except to tell me verbatim " Sell your house '' or " Get a 2nd job '' that I have no recourse but to pursue legal remediation. I am beyond exasparated at this point as to how things have gone thus far and hence, the reason I am filing this complaint.
Consumer complaint received 2020-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AZ)

On XX/XX/2020 I made a check deposit of {$2500.00} to US Bank the teller told me funds would be available on XX/XX/2020. I checked my account on XX/XX/2020 and My funds were there. 
I started using my card after knowing my funds was available but they had decided to put a 7 day hold on the check after already releasing the funds to me. This check was issued to me by XXXX XXXX XXXX which is definately good and There funds are available to honor this {$2500.00} check. With me using my card for purchases and withdrawals US Bank decided to not credit my account for the funds they already credited me for and put my account in the negative and started charging me insufficient fund fees for no reason at all. I don't understand how they can give me my money and take it back and put it on a 7 day hold when the check I deposited was a good check. They could have easily call my customers bank to verify funds on the check i presented and Not give me money and take it back from my checking account. This has created a hardship for me cause now I have pending transactions on my account, overdraft fees on my account and they are holding my money now and my account is in the negative. This is truly poor business practices by US bank and should not never happened.My funds were available on XX/XX/2020 because I made a {$700.00} dollar atm withdrawal. My atm withdrawal would have been denied if funds was not available on this date.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (GA)

I submitted to Comenity Bank certified mail number XXXX. On XX/XX/XXXX, I made an uninformed decision when I entered a consumer credit transaction with your financial institution. I made an uninformed decision when I entered into an agreement without knowing the meaningful disclosure of the credit terms. According to Blacks Law Dictionary ( 8th ed. 2004 ), an agreement is a mutual understanding between two or more persons about their relative rights and duties regarding past or future performances ; a manifestation of mutual assent by two or more persons. As a result, I had no say or decision in the terms of the agreement. I was giving a generic computerized agreement that is given to all consumers, who enters a credit transaction, without clear and conspicuously terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision this debt become null and void. The consumer did not receive a printed adequate notice. The adequate notice was to give me the pertinent facts clearly and conspicuously, so that I had noticed it and understood its meaning. Your financial institution had the choice of printing the notice or had given to me on each periodic statement, or by other means to assure I was in receipt thereof the notice. 
Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

As a result of fraud and deception of this onsided agreement, your institution will update my account as paid in full and remove any derogatory remarks.
Consumer complaint received 2021-12-16
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)

Currently, I have a mortgage loan in progress and the inaccuracies on my credit report are affecting my ability to move forward. There are two accounts on my report that have been charged off, XXXX  XXXX XXXX and XXXX Bank. The XXXX XXXXXXXX XXXX account was charged off in XX/XX/XXXX which is the last status date that XXXX  XXXX XXXX reported to Experian. Experian has repeated the charge off status each month since XX/XX/XXXX as a new reporting. Also, there are no charge off reportings for XX/XX/XXXX through XX/XX/XXXX. So, they stopped then started this action. What they are doing is incorrect and has stalled my report so that the score does not increase. Once the charge off is reported by the creditor it should not repeat every month as if it were a new status. This will constantly keep the score from increasing! This same action has occurred with the XXXX Bank account. It shows charged off in XX/XX/XXXX and every month after that it appears as a new charge off status. XXXX has not reported this account since XX/XX/XXXX. Experian does not have to keep updating the status if the creditor does not report it. I am attaching a copy of the accounts on my report so that you can see the issue. 

I would like to have these charge offs removed on my credit report so that the score can increase to what it should be. This needs to occur immediately!
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (TX)

I disputed transactions for services I never reneged from a scammer. It was initially found in my favor and then overturned. I submitted an email stating that a refund was due to me. I am due the refund for the XXXX XXXX charges.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I recently reviewed a copy of my Equifax credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX. Equifax is in clear violation of the law ; 15 USC 1681b- Permissible purpose of consumer reports. I did not give Equifax written permission to furnish this account on my credit report. Equifax is also in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Late payments must be excluded from a credit report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that these late payments should have never been reflected to my consumer report, which is identity theft. Equifax has received all documents and supporting evidence of this dispute through the mail on XX/XX/XXXX.
Consumer complaint received 2017-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have ask Credit reporting companies to investigate wrong account information on my report but they only verify ownership when I Never ask for ownership of accounts.
Consumer complaint received 2022-05-26
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: FC HoldCo LLC (SC)

There was an inquiry made on all 3 of my credit reports ( XXXX, XXXX, XXXX ), on XX/XX/2021, that I did not authorize or have knowledge of. I have never even heard of the company. I contacted Flagship Credit and they refused to look into it or even dispute it. I am requesting to have this inquiry removed from my credit report.
Consumer complaint received 2020-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (WI)

Continuous withdrawals from one of my checking accounts from an online travel company names XXXX, whom Ive never heard of til now were taking money from my account starting from XX/XX/2019 thru XX/XX/2019. My daughter left my XXXX  computer at her friends home in which may have led to someone having access to my personal information. I had XXXX  XXXX   attached to my account from my other XXXX  products all being synced together and I believe this is how they ( he or she ) were able to make purchases and or set up online accounts. My bank was informed as soon as I noticed the withdrawals.They issued a refund then soon after reversed the issued amount of credit with no response given as to why. This led to overdrafts as of now from my account. My only part in this situation is not paying enough attention to my balance and transactions at the time of this illegal activity. When the bank submitted my request of fraudulent activity upon investigation and refunded my money I was told to get police documents or any paperwork of proof of anything I could if I can. But of course how could that be possible if everyone is clueless of the incident and not admitting guilt? I have no proof as to who did these transactions. I just know they were unauthorized and no product was exchanged for the money taken. This company has taken my money and I have nothing to show for it, no travel information, tickets, vouchers or anything leading to a trip in exchange for my money. 
Please assist me in re-reversing the money owed to me that I earned and the banks accountability of protection amongst their customers assets as promised. I have never had this happen to me from my own established bank. Ive now been robbed twice and treated unfairly. Your assistance is attentively needed. 

Thank your for your time!
Consumer complaint received 2017-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (NY)

I have tried several times to have Midwest Recovery Systems located at XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX to send me a complete verification of debt. onto this date I have not receive any documentation from them.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account 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 a account without my written instructions
Consumer complaint received 2022-05-26
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account 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 a account without my written instructions
Consumer complaint received 2020-02-13
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. (NY)

I have tried to reach out several times to XXXX  & Equifax, to have the lates removed from my report, because XXXX erroneously reported me late, and after several months of this back and forth, its still showing on my credit report the incorrect data and payment history, which XXXX   falsely recorded, and still hasnt corrected. enough is enough, i am looking to get mortgage financing in the next few months, and this erroneous reporting, is destroying my credit scores. I have tried several times to rectify this online & by calling, with both bureaus, enough is enough. Also, CFPB, if you refer back over the last several months, you shall see that i have submitted to claims of XXXX erroneous & disastrous errors, which i provided to XXXX  & Equifax, and they disregard completely, especially, the part which reflects that XXXX was 100 % wrong, admiited it, and reported erroneously.