davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
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 (FL)

I recently obtained a copy of my credit report. It indicated that a credit inquiry was made by XXXX XXXX XXXX XXXX in XXXX Virginia.on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

Thank you for your prompt assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet
Consumer complaint received 2020-04-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NH)

I requested a 6 month forbearance for my government backed FHA loan in compliance with the federal CARE act. My loan servicer, Dovenmuehle Mortgage, refused to comply with federal law. They will only offer 3 months, and at the end of those 3 months will require a lump sum payment. They refuse to restructure the loan in anyway to assist with the lump sum. 

I requested 5+ weeks ago to relocate for my job. I have called multiple times and they state there is no one in the Research Department that will take phone calls to update me. I have asked for permission to relocate because I am required to do so since this is an FHA loan with occupancy requirements. I have updated them weeks ago that this is now more urgent due to Corona virus and losing my full time job. They refuse to answer me. 

I got a notice that due to my forbearance, they will be requested a new appraisal of my property as part of Loss Mitigation and I will be responsible for this appraisal. I did not agree to this nor is it necessary, since they have agreed to at least 3 months forbearence and payment was only just due for 1 month as of today. 

I have spoken to HUD, and they have agreed my mortgage servicer is in violation of FHA and federal law.
Consumer complaint received 2020-03-23
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. (NC)

I am writing this due to non-compliance with Equifax. 

They have failed to conduct a timely and proper investigation of disputed accounts and their investigation has exceeded 30 days. They have not responded to my dispute on XX/XX/2020 where I requested method of verification. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-03-23
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. (FL)

ftc The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. The bureau also found that the bank violated the CFPA in how it charged certain borrowers for mortgage interest rate-lock extensions. 

XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Hello, My name is XXXX XXXX I'm reaching out to express my frustration regarding the lack of response after reporting my identity theft for the third time. Despite my efforts, neither the credit bureau nor the involved companies have addressed my disputes. This situation makes me feel like my consumer rights are being disregarded. As the victim, I'm unable to obtain the necessary assistance or response from the credit reporting oversight companies. If prompt action isn't taken, I'll have no choice but to pursue legal action.
Consumer complaint received 2020-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The company Portfolio Recovery Associates LLC, XXXX XXXX XXXX XXXX Virginia has employees that claim to have my social security number on file and threatened to use it against me ( " XXXX XXXX '' x XXXX ). When I asked them to remove my personal information from their database they refused even though the data is over 7 years old and incorrect!!! The Operations Manager named " XXXX XXXX '' x XXXX boldly refused to comply with the law and delete what they claim to be is my personal information from 10 years ago! XXXX said, " We only have your basic information like social and birthday ''!!!!!. Then when I asked again just to make sure : Are you saying you have 10-year-old personal information on me and you will NOT delete it? He said, " Correct. We will not delete it from our records because you still owe us money ''. XXXX then had the audacity to complain that I had not sent PRA a " fraud packet '' with a copy of my drivers license and other very personal information! Account numbers # XXXX and # XXXX need to be deleted from their data bass and they need to stop harassing me and damaging my credit score. They are stopping me from being able to have a home during the CORONA VIRUS!!!!!! This is a TRUE scam!!!!
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2023-05-06
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-04-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (FL)

Re : Volkswagon Credit We are prepared to file a lawsuit against VW of America and VW Credit for a wrongful repossession, violation of Fair Credit Reporting Act and violation federal disaster mandates. 

The consumer was a teacher, and because she had not been working during the summer months, her account fell behind. In XX/XX/XXXX, during Hurricane Irma, the consumer requested that VW Credit apply a disaster benefit ( payment deferment ) to the account. The benefit was not applied and the vehicle was repossessed in XX/XX/XXXX. 

On XX/XX/XXXX, The VW Credit Recovery Department confirmed that the consumer 's account was eligible for a disaster benefit in XX/XX/XXXX, and similar accounts received benefits. The Recovery Department further indicated that had the benefit been applied, the vehicle would not have been repossessed. 

Your timely attention to this matter is greatly appreciated.
Consumer complaint received 2020-04-01
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: LendKey Technologies, Inc. (CA)

On XX/XX/2020 I was conditionally approved for a student loan refinance by LendKey. 

The Application Summary on their webpage quoted me a rate of 1.9 %, reduced to 1.65 % with an Auto-Pay discount. However, the Loan Disclosure that I was prompted to sign indicated that the 1.9 % rate included the auto-pay discount, and the rate would be increased by 0.25 % if I did not use auto-pay. 

On XX/XX/2020 I notified LendKey of the discrepancy between what they surfaced to me in the web portal and what they were hiding in the fine print, and on XX/XX/2020, they responded to me by email that 1.65 % with auto-pay was the correct rate. 

When I followed up with the customer care team by telephone on XX/XX/2020, they indicated that the correct rate is 1.9 % with auto-pay, contradicting their web portal and the email response that they sent me days earlier. 

I believe that these lending tactics are deceptive, intended to bait-and-switch borrowers by quoting an incorrect rate, and then getting them to sign documents that do not match the rate that they were quoted.
Consumer complaint received 2020-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCB Credit Serivces, Inc (TX)

THIS COMPANY WHICH I HOLD NO CONTRACT WITH NOR HAVE RECEIVED SERVICES FROM, REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$6000.00} WITH XXXX, XXXX, & XXXX  CREDIT REPORTING AGENCIES. I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDED ADEQUATE PROOF. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOODS OR SERVICES THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROO. I AM NOT OLBIGATED TO PAY FOR THE ALLEGED DEBT
Consumer complaint received 2024-02-25
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. (MD)

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. 

Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. 

These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. 

Neither XXXX, Experian, XXXX, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

Two charges appeared on my Chase credit card which I did not make. I dispute them. The dates of transactions were on or about XX/XX/2020 in amount of {$110.00} and then on XX/XX/2020 in amount of {$420.00}. Credit card company failed to investigate and claims I received the benefit. I have no idea what they are talking about because I did not make these charges. Please help.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (IL)

Im XXXX years old and my wife is XXXX. Weve had a Citibank MasterCard/XXXX XXXX card ending in XXXX since XXXX and have XXXX XXXX XXXX Frequent Flyer miles accumulated under this card. For 25 years Ive paid my bill in full every month. In XX/XX/XXXX I requested the card be replaced due to fraudulent charges. I have attached additional information regarding these charges. Im contacting the Consumer Financial Protection Bureau because of the total lack of responsible response from Citibank Corporation. 
Once I discovered the charges I went online, disputed the charges, and phoned the bank to have the card replaced. I was told Id receive a replacement card within a week. I did not receive a card, but a notice advising that my request for a new card was denied. I called a 2nd time and was again told the card would be replaced, then received the denied notice. I called a 3rd time and was told the reason why I have not received a card was because the bank had our wrong address. Interesting, Ive been receiving their bills for 25 years. I called a 4th time and after being told a card would be sent, I advised what occurred after my past 3 calls and asked what would be done different to assume the card would be approved and mailed. I was then told the card approval shows its pending. 
Going online I see after my initial call a card ending - XXXX was issued. After my 2nd call a card ending in - XXXX was issue. But neither card was mailed and both cards show the accounts are permanently closed. There is no pending account.
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I opened an account with Bank of America Last year and every since I have been making payments on this account it has been excessive. Every month it is a different issue. Last month is was them claiming they didn't receive a payment. The month before that my payment double with interest. This month no one could explain my interest rates and I'm paying a total of 73 % in one payment. Bank of America is the only card with this excessive interest and I would like to know if it is even legal to charge me that much interest in one payment cycle. 

My Contact XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Total due balance {$10000.00} Payment {$320.00} Interest {$220.00}
Consumer complaint received 2024-02-25
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. (PA)

hello, my nme is XXXX XXXX. I am a victim of identitity theft. I hear about robberies all the time but never thfought id fall victim to one. I was robbed XXXX XXXX XXXX for my waller, purse which held all my personal information. I am writing to ask that you please remove these accounta. it is tarnishing my name and my credit. i am mot anke to get a place to live, bank accounts or credit because of thus theft. please help me
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (KS)

I opened a XXXX account in XXXX thats is still NOT being reported on my XXXX and Equifax Profiles. I have made multiple phone calls and mailed certified letters as well. Please help me get this information updated.
Consumer complaint received 2020-04-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

This company continues to call me repeatedly, has never contacted me through mail or sent me a verification or statement of account, has provided me with conflicting amounts of what I owe compared to what the courts say, and upon calling me will verify it me by providing me with my date of birth and last four of my social and ask me if those are mine. That information is pertinent information, if that were to get into The wrong hands my identity both financial and vital could be compromised I called to speak with a manager and she tried to mislead me saying that no one could affect my credit or identity with that information which is incorrect, a person can access both financial and vital account or take on my identity
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (KS)

I opened a XXXX account in XXXX thats is still NOT being reported on my Experian and XXXX Profiles. I have made multiple phone calls and mailed certified letters as well. Please help me get this information updated.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On Saturday XXXX XXXX I mailed Experian a change of 22 addresses that is showing on my Consumer File that needs to be removed also when I submitted this report I had to change my old phone number to my current phone number so I need that deleted too and they did nothing to remove the old addresses I have a copy of my Credit Report included they sent to me also the original request to change my address this information they are reporting is incorrect
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX