davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Dovenmuehle Mortgage, Inc. (CA)

On XX/XX/2020 I submitted a request via email to Dovenmuehle because forbearance had been in accurately reported on my mortgage loan and my credit report. I followed up with Dovenmuehle on XX/XX/2020 with 3 phone calls and I was told my issue would be resolved within 10 business days. During one of my calls that days I requested information on how my loan was put into forbearance status without my knowledge or consent and what actions I needed to take to ensure this was resolved. I was not given any information but I was advised a supervisor would look at my case and call me back within 2 business days and I  never received a call back. I called again XX/XX/XXXX and was told the same information once again. Again after waiting 2 days I never received a call back. I then placed another call and I was told Dovenmuehle mailed out documents to me and the week before and to wait to receive the documents. The mail I received from Dovenmuehle stated they were researching my issue. I've continued to call Dovenmuehle several times a week and in some cases several times a day and it has now been over 90 days with no resolve. I have received 2 letters stating they are researching my issue but I have yet to see any follow up or correction.
Consumer complaint received 2024-03-16
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: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$940.00} - Late/OPEN - XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$820.00} - Late/OPEN - XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$350.00} - Late/OPEN - XXXX, XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$830.00} - Late/OPEN - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$760.00} - Late/OPEN - XXXX XXXXXXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1700.00} - Late/OPEN - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$430.00} - Late/OPEN - XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - $ XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - $ XXXX Late/OPEN - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$420.00} - Late/OPEN - XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX Late/OPEN - XXXX, XXXX, XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX XXXX, I am writing to delete and remove the following information in my file. The items I need deleted are listed in my report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted and removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (ME)

My husband and I have an auto loan through Credit Acceptance Corporation for our XXXX XXXX XXXX. We took this auto loan out in XXXX of XXXX and ALWAYS made timely payments without fail, with payments being automatically deducted from our bank account on a bi-weekly basis. In early XXXX of XXXX, my husband and I were both furloughed from our jobs due to the COVID-19 pandemic. Therefore, we were unable to make our payments through NO fault of our own. I immediately contacted Credit Acceptance and explained the situation and they said that we should put our payments on pause until we were able to return to our jobs. The very first concern that I brought up was about our credit reporting. My husband and I have worked EXTREMELY, EXTERMELY hard over the last two years to bring our credit scores up to where they need to be to build our dream home. I was assured by Credit Acceptance that this would NOT harm our credit scores because it would be reported that we were affected by a natural disaster/pandemic and that all credit reporting for any payments that we would miss as a result of this pandemic would be FROZEN so as to NOT harm all of the hard work we have put into improving our scores. Long story short, we put our payments on pause for a few months until we finally went back to work. We have been making on-time payments ever since then, with even a little bit extra added on top of our normal payment amount. Fast forward to this morning, XX/XX/XXXX, my husband and I both received email alerts from XXXX stating that our XXXX scores had decreased and a new late payment had been reported. Having no idea what this could possibly from as we pay ALL of our bills on time and being extremely distraught by this alert, we logged into our credit bureaus and immediately saw that Credit Acceptance had reported us as 180 days late. This is NOT, I repeat NOT accurate. Our credit reporting was to be FROZEN for those missed payments last year because of the pandemic and we have made EVERY SINGLE PAYMENT IN A TIMELY MANNER WITHOUT FAIL SINCE THEM. Now, our credit scores have dropped nearly 20 points as a result of this, RIGHT when we were about to obtain a mortgage for our new home, effectively HALTING our home purchase plans, all because of these fraudulent predators at Credit Acceptance. My husband and I have been EXTREMELY diligent about our payments and ensuring that our good credit remains intact, and now these people have illegally gone back on their word, after making as feel as though we could actually trust them to help us during this pandemic, which had a huge impact on our lives last year. They have DESTROYED our good credit. NO LATE PAYMENTS SHOULD HAVE EVER BEEN REPORTED to our credit bureaus. We will also be consulting our attorney about this. What these people have done is ILLEGAL and DISHONEST and we need our 3 credit reports corrected IMMEDIATELY.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (IL)

I received an invite from my daughter to apply for XXXX Credit Card a product from JPMCB and I did apply on XX/XX/2020 few seconds passed and I received the Denial based on my Credit Report but I have not received my credit report and denial as today XX/XX/2020 I have called and requested the denial several times but I havent received anything and in order to request a reconsideration I need the letter.
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (NY)

American Express has admitted to the concern that I've raised regarding their handling of personal information and security inputs when submitting payments. At this time, I do not believe that the company has provided the appropriate resolution and implemented new policies and procedures to protect cardholders from potentially fraudulent charges. For individuals that may have more than one American Express product, their system ( in this case, specifically Amex Travel website ) allows cardholders to input a CVV code from any of their cards and the system will process the transaction. This logic does not make sense as I believe it could result in increase in fraudulent or misrepresented activities. The logic that the system proceeds with could result in unintentionally charges to cards that I am not expecting charges for, and could increase chances for personal identity theft or unauthorized transactions if I were to lose a card and a malicious individual could now have up to 4 times more success in charging my card since I have 4 American Express products that have CVVs that could be used to process an unauthorized transaction. I believe each CVV should be required to the specific card selected when processing a transaction, and that this logic could have impacted many other card holders and potentially resulted in unintentional fees incurred to correct issue ( i.e. changing or updating bookings on hotels or travels as I recently experienced last month when I was booking travel ).
Consumer complaint received 2022-11-08
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: OneMain Finance Corporation (TN)

On XX/XX/2022, I received a Tennessee XXXX XXXX XXXX debit card which is received once someone applied for unemployment benefits. On XX/XX/2022, I received a letter from XXXX XXXX stating that they could not open a checking account because they could not verify my identity. On XX/XX/2022, I received a notification from XXXX XXXX that I had hard inquiries on my account. On XX/XX/2022, my credit was pulled from both OneMain Financial and XXXX. On XX/XX/2022, my credit was pulled again by XXXX XXXX XXXX. None of the incidents above did I initiate.
Consumer complaint received 2020-08-04
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. (OH)

There were not payment required from XX/XX/XXXX until XX/XX/2020 due  the virus ; however, XXXX is showing late payments for XX/XX/XXXX and XX/XX/XXXX. I was never late and I'm requesting METHOD OF VERIFICATION AND PRECEDURED USED FOR VERIFICATION. PER MY RIGHT.
Consumer complaint received 2023-03-16
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: General Motors Financial Company, Inc. (FL)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMERICREDIT XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Consumer complaint received 2024-03-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Kohls, Has started to charge the amount of the payment due, as the late fee, my last bill was {$54.00} I mailed the bill in a week early, they said it was a day late, so my payment now was {$100.00}? Can they get away with this? I said I have been a customer for 25+ yrs. I was told when I spoke with them this was there new policy, I said to them at that point as I was cutting up my Kohls card, You just lost a good customer!!
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-12
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 (TX)

On XX/XX/2020, days after my XXXX birthday, BBVA-USA abruptly and without legitimate reason cancelled my VISA credit card -- a card which I had subscribed to for 17 years. In this time period, I have never once tendered a late payment, the minimum amount required to pay, nor excised the card 's credit limits. On two occasions, BBVA, without my request or agreement, raised the card 's limits to {$8500.00} and subsequently to {$11000.00}. Late last year, BBVA reduced the limits back to {$8500.00} and shortly thereafter, a cancellation of my credit card. I am submitting this complaint to CFBP requesting an investigation into BBVA 's violation of my rights as a consumer alleging that they have determined that I am a credit risk, and a pandemic risk, all as a result of my age. I am attaching hereto my demand letter for the the production of information, documents or any other methods used to make the determination that after 17 years with an impeccable payment history, they chose to remove me from their business. BBVA,  illegally and without my consent, converted my balance into a " loan payable '' at 10 % interest upon the closure of my credit card. I'm also submitting the form letter sent to me identifying their reasons for the cancellation. BBVA, unequivocally, has violated my rights under the Federal Equal Credit Opportunity Act ( FECOA ) that, inter alia, prohibits discrimination based on age.
Consumer complaint received 2020-09-30
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. (IN)

I have reached out to XXXX several times to dispute erroneous items from my credit report and asked for documentation..verification and validation of each item they are reporting including a request to provide who they spoke with name and contact have not received it..they claim they updated/verified the accounts within hours of my filing for reinvestigation there was no way this was done properly or legally.
Consumer complaint received 2020-09-30
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. (IN)

I have reached out to XXXX several times to dispute erroneous items from my credit report and asked for documentation..verification and validation of each item they are reporting including a request to provide who they spoke with name and contact have not received it..they claim they updated/verified the accounts within hours of my filing for reinvestigation there was no way this was done properly or legally.
Consumer complaint received 2023-01-06
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. (MS)

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.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature.

I.C. SYSTEM, INC - XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Pursuant to 15 U.S. Code 1692g - Validation of debts ; and FCRA laws ; EQUIFAX must provide how they verified this debt belongs to me in the following manner : 1 ) How did you verify these accounts? 
2 ) Provide an original contract for each account with my wet signature. 
3 ) Provide documentation showing that I am contractually obligated to pay these debts. 
4 ) Provide proof that XXXX XXXX, L, XXXX XXXX, and XXXX XXXX XXXX XXXX the legal right to collect these debts. 
XXXX ) Provide any agreements or contracts I purposedly signed with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2020-09-30
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. (IN)

I have reached out to Experian several times to dispute erroneous items from my credit report and asked for documentation..verification and validation of each item they are reporting including a request to provide who they spoke with name and contact have not received it..they claim they updated/verified the accounts within hours of my filing for reinvestigation there was no way this was done properly or legally.
Consumer complaint received 2022-11-06
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: EQUIFAX, INC. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

I have a Best Buy ( store only ) credit card. Ive always been charged a service fee called Debt Protection. I never signed up for this service. Im unaware how long Ive been trying to cancel this service, but its been years. I requested Best Buy to cancel the service years ago. They stated they did at one instance, but I wasnt confident the person whom helped me over the phone knew what I was talking about. Years later, I am still getting charged this fee. After researching the situation online, I now see this service is from Citi Bank, and it has to be cancelled through them. 

Now, I am unemployed due to the COVID situation. I reached out to them on XX/XX/2020 to see what the benefits are, since Ive been paying this monthly fee for a decade, at least. I might as well see if I can benefit from this program that I have not signed up for. The employee was not able to explain the benefits, but instead said they will send me a letter of the benefits, explained. On XX/XX/2020, I receive a letter of how enroll in the benefits, and not the explanation of the benefits. The benefits enrollment seem near impossible to qualify for. 

I paid all these fees, and I should feel protectednot hindered. I want these fees refunded.