davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Hi. A little history. My mortgage has been sold to 4 different companies. Each company would change my mortgage ( including escrow ) starting at {$1200.00}, monthly to now {$1700.00}, without explanation. My interest rate is 4 % and my principal and interest is {$860.00} and a now 49 year term since it was sold to the last bank. Originally I was at a 30 year fixed. Im not sure where the mistake happened, and there is no explanation. To top it off, Covid hit and I was forced into forbearance due to covid hardship, at which point it had to be extended. I wasnt able to make payments during the forbearance program, and requested a loan modification with the bank. Ive been applying since XXXX of XXXX. I completed a loan modification packet and documents to support the application, only to have the bank prolong the review by telling me they never received the supporting documents. I would forward them again, only to be told other documents were needed also. This went on until XXXX. Finally I got a denial letter, and was told if I wanted to appeal, and I did. It was knocked down in 1 day, with a denial. After numerous calls, I was Told that unless I can make my 1742 monthly payments, I will keep getting a denial. Why. I thought a loan modification is to modify your loan to affordable payments. Not keep it the same. Nonetheless, I was told to resubmit a new application, which I did. I sent in another packet with the supporting documents. Ive called them on a weekly basis. Now its under review. Im getting a gut feeling that it will be denied again. Ive been living in my house since XXXX. I raised XXXX boys in this house, only to have my eldest son XXXX XXXX XXXX XXXX XXXX I have all his memories in this house and dont want to lose them. I am Incapable of paying the forbearance amount due. 
Covid caused hour reduction at my job. I went from 35-40 hrs to 12 hours a week. I am in over my head. Credit wise as well. 
I was asked why we dont sell. My house is in a lawsuit with the insurance company, for poor workmanship. I havent been released from the insurance company and things still need to be addressed. 
I feel as though Im getting the run around from this bank. 
I have bank forced home owners insurance because no insurance company will insure us due to still having an open claim. However, I used to have a XXXX principal and interest, with a XXXX interest rate and escrow at $ XXXX monthly on a 30 year fixed term. Now Im at 4 %, a 49 year term and having to pay {$64.00} dollars less. Doesnt make sense Any help will be truly appreciated.
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (TX)

I did not apply for no XXXX credit Card from XXXX to XXXX. Someone else did this without my consent and this is fraud and theft as well. The account # that showing on my credit report is XXXX. This needs to be remove immediately off my credit report from all XXXX credit bureaus.
Consumer complaint received 2019-12-17
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)

id theft victim XXXX XXXX  XXXX not my account discharged chapt XXXX not my account XXXX XXXX XXXX  XXXX not my account XXXX XXXX XXXX XXXXXXXX not my account
Consumer complaint received 2019-12-17
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. (FL)

id theft victim XXXX XXXX XXXX not my account discharged chapt XXXX not my account XXXX XXXX XXXX  XXXX not my account XXXX XXXX XXXX  XXXX not my account
Consumer complaint received 2021-07-30
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. (MA)

XXXX XXXX is supposed to remove all 3 tradelines from the 3 major credit reporting agencies as part of a class action lawsuit settlement. I submitted the lawsuit paper to all 3 credit bureaus and they will not remove the tradelines from XXXX. I contacted XXXX XXXX several times to remove the tradelines with no sucess at all. It is part of a settlement regarding repossessed vechicles with balances being reported on the credit bureaus. XXXX XXXX XXXX is supposed to remove the information on all 3 major credit bureaus. Ive disputed st least 3 different times to all 3 credit bureaus and they will not remove the information.
Consumer complaint received 2021-07-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WA)

Sent multiple certified letters in the last 6 months, disputed with reporting agencies, and verbally asked for report to be deleted because of failure to provide documentation within 30 days of receipt of the letter. Started getting emails for the past month, which I have filled out dispute forms and tried to call company. Nothing has been successful in my attempts to delete the inaccurate report and stop the communication
Consumer complaint received 2021-07-30
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. (TX)

In XX/XX/2021 my bank account info was stolen/hacked. My bank notified me immediately, denied the attempts to use my card, and I changed all banking info immediately. I later discovered that a loan was fraudulently opened in my name. I disputed it with the companys fraud department, and they agreed that it was opened fraudulently and agreed to remove it and any negative info immediately from my credit reports. I have filed identity theft reports, I have all confirmations and records, and I notified the credit reporting agencies of the inaccuracy of the loan. TransUnion and XXXX  are inaccurately reporting even after being aware of the situation. Im unsure about XXXX.
Consumer complaint received 2021-07-30
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. (NY)

This is the XXXX time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! TransUnion is reporting it so YOU NEED TO REPORT AS WELL! ACCOUNT # XXXX XXXX XXXX  {$5000.00} limit
Consumer complaint received 2021-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

on XX/XX/2021 my check # XXXX was cashed. it was written for {$1300.00} but the person cashing the check got only {$130.00}. This was an error of {$1100.00}. She left the bank without counting her money.

I called the bank to find out what the issue was when my payee called and complained to me about the amount she received. 
On XX/XX/2021 an adjustment appeared on my account debiting the additional {$1100.00} from the account.

Capital one will not put the money back in my account and they say they can not give me info as to where the additional money was sent.

I need a record as to where the money they debited has gone. I want that money put back into my account.

I have spent hour after hour on the phone with customer service supervisors to try to recover the debited money and they refuse to return the {$1100.00} to me.

Please help me get my money back from them.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Sunday, XX/XX/XXXX, I attempted to use my Bank of America debit card at a local restaurant. The merchant informed me that my card was declined. In disbelief, because I knew what my account balance was, I called the banks customer service. After being on hold for over 30 mins, no satisfactory solution was provided. I was told that my card is marked as " expired '' in their system, despite my card being valid in accordance with the expiration date on the physical card. The representative acknowledged in the recorded phone call that they do n't know what the problem is. All they could tell me at this point was to wait for a replacement card in the mail, which could take over a week. I was very disappointed and upset and there was no manager available to fix my issue. I requested for a manager to call me as soon as possible. Apparently Bank of America does n't value their customers enough to even call them back when they are suffering from a circumstance that is a fault of the bank and not the consumer. No recompense has been provided so far. I made a fool of myself with the local restaurant. I would like for Bank of America to provide recompense for my troubles and embarrassment.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OK)

When I filed chapter XXXX bankruptcy, my mortgage loan servicer continued reporting to the credit bureaus. The reporting should have stopped in this situation. They reported multiple late payments. After arguing with them, they issued a letter on XX/XX/XXXX stating they I had been current on my account since XX/XX/XXXX. They now refuse to report this on time payment history to the credit bureaus. I have tried everything with them and it has been the most frustrating situation i've ever had to go through. They are in violation of the Fair Credit Reporting Act and I can not buy another home until they correct this. Please assist in any way you can.
Consumer complaint received 2021-07-30
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: Experian Information Solutions Inc. (PA)

On XX/XX/2021 a Fraudulent Inquiry was made on my XXXX  and Experian credit file from XXXX, I did not Authorize this Inquiry and quickly called XXXX  to notify them of such Fraud. Please Remove this Inquiry Immediately from my credit file. I was a victim of identity theft.
Consumer complaint received 2021-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2021 a Fraudulent Inquiry was made on my TransUnion and XXXX  credit file from XXXX, I did not Authorize this Inquiry and quickly called XXXX to notify them of such Fraud. Please Remove this Inquiry Immediately from my credit file. I was a victim of identity theft.
Consumer complaint received 2019-12-17
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-07-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NORTHWEST BANCSHARES INC (PA)

I applied for a {$40000.00} equity loan in XXXX. In XXXX the deed was tranferred into my son 's name and recorded into record. At that point I was officially as mandated by law, in breach or default of my contract. The bank, however, never took action to reassign the mortgage nor did it exercise its right to utilize the acceleration clause. In XXXX my son passed away. The premises in question remains in his name while the original mortgage is assigned to me after 8 years after transfer of the warranty deed. The bank is now mailing me papers to recover deliquent payments which are not conspicuous, have not itemized details of repayment and contains cognivit clauses within the body of the contract. I am a natural person and individual consumer additionally this situation this is regarding a residence. I was led to believe that a contract containing a conovit clause was illegal in the Commonwealth of Pennsylvania unlessthe transaction conducted was of a commercial nature. This is a blatent attempt of deceitful practice. Futher more, the FDIC made a statement during the Covid 19 pandemic that they would not criticize institutions for waiving late fees and overdrafts etc. and in fact encouraged such practices by banking institutions for the best interest of the consumer and communities. I was not privileged to that courtesy even though I was without employment and without stimulus. At this juncture there are many flaws within the contract containing cognovit clauses at several levels.
Consumer complaint received 2024-03-19
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. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$970.00}
Consumer complaint received 2018-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had a credit fraud with my first card Nd the company captial one said they tske care of it they sent me a new card yes i took the XXXX out the card im paying for it and then i get bill it went to XXXX that i took 2 cash adavances wich is not true this is fraud they report this it messed up my credit by 50 points will like to know how to resolve this
Consumer complaint received 2021-08-29
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. (NJ)

I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (TX)

I have reached out via certified mail to the following companies and asked for proof that I gave permission to submit hard inquiries on my credit account and they have either not responded nor removed the inquiries as legally requested, since they were not able to show proof of my request. 

XXXX XXXX XXXX ( XXXX XXXX, XXXX, SC XXXX-XXXX/XXXX  XXXX XXXX, XXXX, GA XXXX ) XXXX and XXXX XXXX/XXXX  XXXX  ( XXXX XXXX XXXX , XXXX XXXX , CA XXXX ) XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) XXXX XXXX  XXXX/XXXX  ( XXXX XXXX XXXX, XXXX, OH XXXX ) XXXX XXXX ( XXXX XXXX  XXXX, XXXX, TX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) XXXX Also, the following Bureau 's have been PAID off and the accounts are now closed ( proof of payments available ). I have reached out to the companies and requested that the accounts be removed from my credit reports. They have agreed to remove the negative remarks and accounts from my credit report however they are still showing. 

XXXX XXXX XXXX ( On behalf of XXXX XXXX ) XXXX XXXX XXXX XXXX ( On behalf of XXXX XXXX ) I am kindly asking AGAIN that these items are removed from my credit report, as they are either unrecognized and not proven to be mine or have been paid and legally agreed to be removed and they are still showing on all 3 credit reporting platforms ( Equifax, XXXX, and XXXX  ). 

Please Please Please Remove. 

XXXX XXXX ( SS # XXXX ) XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (CA)

XX/XX/XXXX Submitted by email a dispute form to card issuer Blackhawk Network ( bhn ). 

XX/XX/XXXX Received Communication Update from bhn. 

XX/XX/XXXX Received and replied to email from bhn regarding more information. 

XX/XX/XXXX Requested by email status of case. 

XX/XX/XXXX Requested by email status of case again after no response. 

XX/XX/XXXX Re-sent dispute form with documentation. 

XX/XX/XXXX Re-sent dispute form with documentation. 

XX/XX/XXXX Called bhn dispute dept XXXX since it is over 90 days with no response. Customer service said the case is still open and I should get an email response in the next few days. 

XX/XX/XXXX Called bhn dispute dept XXXX again since no email from bhn. Customer service said again that I should get an email response in hopefully 2 days, XX/XX/XXXX To date, no response from bhn.
Consumer complaint received 2021-08-29
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. (NJ)

I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2021-07-30
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. (TX)

I have previously disputed with XXXX XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information.
Consumer complaint received 2021-07-30
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. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (WI)

NCB Management is reporting a negative balance of {$4900.00} debt on my credit reports which doesn't belong to me,, first day reported XX/XX/2017, I've never opened or had an an account with them.