davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I went to what is identified as " XXXX XXXX '' in XXXX, Ca. I was actually at a XXXX dealership owned by XXXX XXXX in XXXX, Ca. I went in and informed the sales representative that I already had a loan approved through my credit union, which this dealership does deal with through XXXX XXXX. She said that was fine. Through the process she brought in a credit application and I asked her why I needed to complete this as again I had my own financing through my credit union, she told me " it was procedure, that I had to complete the top portion of the application and sign it '', which I did. On XX/XX/2020 I received a denial letter from XXXX XXXX XXXX stating that had " declined my application '' from XXXX XXXX. I was furious as I had specially told them I had my own financing. I called the finance manager that I dealt with and he stated he didn't know why they had me complete the application since I had my own financing. He would find out and get back to me. I informed him I wanted a retraction letter sent to XXXX   Credit Bureau immediately and that I wanted a copy of the letter emailed to me. Needless to say I never received the letter. On XX/XX/2020, I received another denial letter from XXXX XXXX XXXX. I called XXXX XXXX and they informed me that the dealership prompted the loan approval. I also received another letter from XXXX XXXX on XX/XX/2020 stating that the " counter offer was not accepted ''. 
I am furious over this and I want all inquires that have been put on my credit taken OFF immediately! I work hard to keep the credit score of XXXX that I have and they had no right to prompt any kind of loan inquires on my behalf without my knowing and approval. If they are going to tell you that it is due to the Patriot Act, I have researched and found that it is illegal and not necessary. 
I am requesting help in getting this matter resolved on my behalf as it is obvious that the dealership has no intentions in making this right. 
Thank you
Consumer complaint received 2022-06-15
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. (FL)

I sent two rounds of dispute letters in thirty day increments to the bureau with the first round being the initial letter that included the dispute of five alleged collections/charge-offs accounts which was signed for on XX/XX/2022. I did receive a response of a generalized validation of those alleged accounts within the proper thirty days requirement. However, a second round dispute letter was sent and signed for on XX/XX/2022 which requested a more in-depth validation such as original contract, wet signature, and itemized debt. Unfortunately, more than thirty days has past without a response, thus per both letters the credit bureau has a legal obligation to delete any and all alleged debts that are not validated within thirty days under the FCRA XXXX provisions.
Consumer complaint received 2020-01-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I finalized my divorce in XX/XX/2019 and moved back into my home this was when I found that my ex-wife was behind on payments. I didn't know what to do. When I talked with the lender they told me I couldn't make a payment until the penalties were paid first. I struggled with the lender for months until I was contacted by XXXX XXXX that helps people like me deal with the lender. She got the lender to postpone auction in XX/XX/2019 she stopped we began to work with my lender to get a loan modification. I had also at the same time started a new job that pays well. I knew I could finally start making my house payments after I had began working. The lender was not being very compliant with us as XXXX fought hard to get them all my information they needed. At that point XXXX did all she could and I took over. Finally I thought all was going forward with the modification and the lender kept pushing the auction date out until now. They are claiming they still need documents which I was never contacted about. I am asking for them to postpone the auction date and they are not responding in a timely manner. XXXX is again helping me. This is complete misconduct of the mortgage practice. They have not been back in contact to me after I thought I would be getting my new payment plan and never did. I did everything they asked and acted in good faith and they set me up to fail.
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I made a XXXX  payment via my mobile app. On XX/XX/XXXX I made a cash deposit between XXXX cst.. However there was a glitch in CapitalOne system that caused my payment that was submitted after XXXX est to be returned bc there system did not apply my cash deposit ... When I was made aware via email I contacted the credit Card company and initiated another payment with an agent around XX/XX/XXXX or XX/XX/XXXX and the payment return again and the funds remained in my checking account. After that CapitalOne closed my account due to 4 return payments which 2 are invalid because its CapitalOne error on the checking account 360 side. I even made a conference call with CapitalOne 360 who I bank with and they even explained to the supervisor who the call was escalated to that the funds were there but they refused to reinstate my credit CapitalOne Credit Card. I feel discriminated on due to my age. If my bank advised you it was a bank error due to them posting my cash deposit immediately why should my credit be impacted because the bank system didnt post my cash deposit. Now my credit score has been droopy as well as my mother who was authorized on my credit card account.
Consumer complaint received 2024-03-05
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have disputed this negative, inaccurate, erroneous address which it is not my address and I demand it be removed from my consumer report. I demand the only address that should be reporting on my consumer report is the one that is on my State Driver 's License which is my correct and current address. All other address ( es ) does not belongs to me and should be permanently removed
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I went to what is identified as " XXXX XXXX '' in XXXX, Ca. I was actually at a XXXX dealership owned by XXXX XXXX in XXXX, Ca. I went in and informed the sales representative that I already had a loan approved through my credit union, which this dealership does deal with through XXXX XXXX. She said that was fine. Through the process she brought in a credit application and I asked her why I needed to complete this as again I had my own financing through my credit union, she told me " it was procedure, that I had to complete the top portion of the application and sign it '', which I did. On XX/XX/2020 I received a denial letter from XXXX XXXX XXXX stating that had " declined my application '' from XXXX XXXX. I was furious as I had specially told them I had my own financing. I called the finance manager that I dealt with and he stated he didn't know why they had me complete the application since I had my own financing. He would find out and get back to me. I informed him I wanted a retraction letter sent to Transunion Credit Bureau immediately and that I wanted a copy of the letter emailed to me. Needless to say I never received the letter. On XX/XX/2020, I received another denial letter from XXXX XXXX XXXX. I called XXXX XXXX and they informed me that the dealership prompted the loan approval. I also received another letter from XXXX XXXX on XX/XX/2020 stating that the " counter offer was not accepted ''. 
I am furious over this and I want all inquires that have been put on my credit taken OFF immediately! I work hard to keep the credit score of XXXX that I have and they had no right to prompt any kind of loan inquires on my behalf without my knowing and approval. If they are going to tell you that it is due to the Patriot Act, I have researched and found that it is illegal and not necessary. 
I am requesting help in getting this matter resolved on my behalf as it is obvious that the dealership has no intentions in making this right. 
Thank you
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

It has recently come to my attention that some CC companies, most notably Bank of America and XXXX, are tracking legal firearms related purchases by their customers with the intent of denying the use of credit cards issued by them ( banks ) for such purchases. As an avid hunter, shooter and responsible citizen of the USA I find this Appalling. I am one of the tax paying citizens that bailed them out of their financial irresponsibilitys not that long ago. I believe this type of discrimination is illegal and is a direct violation of the US constitution. I will be asking the US Attorneys office to look into the matter. Also, I have credit cards issued by both of these banks and will be cancelling them immediately. Thank You XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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. (FL)

These inquiries on my credit report are fraudulent and should be taken off of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc. (IN)

Getting declined for an XXXX XXXX by XXXX XXXX XXXX XXXX for reasons that even any of the credit bureaus ' can not figure out and help me with it. There is a file of a copy of the letter attached to this FTC report.
Consumer complaint received 2020-07-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (OK)

ATTENTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ( XXXX ) XXXX XXXX Quicken Loans Loan Number XXXX Please answer question concerning the COVID 19 Americans Cares Act passed by congress XX/XX/2020 concerning help with mortgage payments provided by federal government. 

Quicken Loans, states as a Direct Lender, NO MONEY will be disbursed from federal government to mortgage company. 

Avoiding Foreclosure the following options. 
1 ) Reinstatement 2 ) Refinance 3 ) Forbearance 4 ) Repayment Plan 5 ) Modification My understanding Quicken Loans finance Mortgage Loans through XXXX XXXX ( banking institution ) that qualifies for federal government PPI Insurance. 

Mortgage Insurance ( PMI/MP ) monthly payment {$15.00}. Please explain what coverage entails in these charges. 

Quicken Loans XXXX XXXX XXXX XXXX, MI. XXXX XXXX XXXX XXXX Thank you for helping quickly gather necessary information, what options exist for families with Mortgage Payments avoiding Foreclosure during COVID 19 Pandemic as the country preceded. 


Sent from my XXXX ATTENTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ( XXXX ) XXXX XXXX Quicken Loans Loan Number XXXX Please answer question concerning the COVID 19 Americans Cares Act passed by congress XX/XX/2020 concerning help with mortgage payments provided by federal government. 

Quicken Loans, states as a Direct Lender, NO MONEY will be disbursed from federal government to mortgage company. 

Avoiding Foreclosure the following options. 
1 ) Reinstatement 2 ) Refinance 3 ) Forbearance 4 ) Repayment Plan 5 ) Modification My understanding Quicken Loans finance Mortgage Loans through XXXX XXXX ( banking institution ) that qualifies for federal government PPI Insurance.

Mortgage Insurance ( PMI/MP ) monthly payment {$15.00}. Please explain what coverage entails in these charges. 

Quicken Loans XXXX XXXX XXXX XXXX, MI. XXXX XXXX XXXX XXXX Thank you for helping quickly gather necessary information, what options exist for families with Mortgage Payments avoiding Foreclosure during COVID 19 Pandemic as the country preceded. 


Sent from my XXXX Sent from my XXXX
Consumer complaint received 2023-03-31
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. (CA)

I am disputing all inquiries that were made in between XX/XX/XXXX to XX/XX/XXXX very strange inquiries were made and I got robbed of my stimulus impact payments disbursement of XXXX by unauthorized use of my identity in XXXX XXXX I am a victim of the Equifax data breach of recent and the XXXX XXXX data breach as well. My student loans amounts are exposed and my car financing information is exposed to where I have gotten a plethora of solicitation and pre-approval traffic in my mail phone email unwarranted and notified of accounts in three different states saying that someone is opening accounts in my name fraudulently that I did not authorize
Consumer complaint received 2022-07-22
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported are inaccurate and erroneous and are leading to negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. I was never late on these accounts. The late payment shown is in error. Please check payment records and provide documentation why these are reporting as late payment. These are good standing account. Again, please verify these immediately and correct the reporting error! 

XXXXXXXX XXXX  XXXX. XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XXXX
Consumer complaint received 2024-03-05
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. (NY)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXXXXXX Balance : {$450.00}
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing consumers because I contracted XXXX XXXX and I was gravely ill before that my car was broken into my social security card, credit cards and identify was compromised, which cases incorrect reports on my credit report. XXXX XXXX XXXX  XXXX ) is showing {$600.00} debt that is incorrect/fraudulent transaction I never got a loan with speedy cash needs to be removed off my credit history, XXXX  shows {$110.00} which isnt correct I get essential Internet I have uploaded my bill showing thats not correct needs to be removed and XXXX XXXX XXXX was stolen including my social security card, unauthorized transactions and I filed on my insurance for theft & police report was submitted.
Consumer complaint received 2022-06-15
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. (NY)

Dear CFPB agent, The last couple of years I've been noticing changes to my credit report that are not accurate. I noticed that there are some inquiries that I don't recognize or authorized. 
the companies are the follows : XXXX XXXX who added an inquiry on my report on XX/XX/XXXX XXXX XXXX XXXX who added an inquiry on XX/XX/XXXX XXXX XXXX XXXX who added an inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX who added an inquiry on XX/XX/XXXX please help me remove those items from my report. Thank you
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc. (GA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (PA)

I was in original Equifax breach reported last year. Was unable to register online for credit protection they offered because link wouldnt work and I was never able to get through constantly busy phone. On XXXX.XXXX.18 I  received another letter from Equifax that I was part of second breach last month. Again link in letter for XXXX didnt work and I was just on hold for an hour and couldnt sign up. I know my ID is at risk and Equifax says I can protect it but their service doesnt appear to be real.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I would like to express my utmost concern regarding fraudulent items on my account that have not been promptly addressed despite multiple attempts to resolve the issue. As a valued customer of your institution, I trust that you will take immediate action to rectify this matter. 

It has come to my attention that there are unauthorized transactions appearing on my account statement, which I strongly believe to be the result of fraudulent activity. I have made several attempts to report these unauthorized transactions and have provided all necessary documentation to support my claim. However, the fraudulent items remain on my account, and the issue remains unresolved. 

I demand swift action to remove the fraudulent items from my account and conduct a thorough investigation into the matter to prevent any further unauthorized activity. It is imperative that my account is restored to its accurate and secure state without delay. 

Furthermore, I expect clear communication from your institution regarding the steps being taken to address this issue and prevent similar incidents from occurring in the future. As a victim of fraud, I deserve transparency and assurance that my financial well-being is being safeguarded by your institution. 

I urge you to prioritize this matter and take immediate action to rectify the situation. Failure to do so will compel me to escalate this complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX {$5300.00} XXXX XXXX {$10000.00} XXXX XXXX {$3600.00} XXXX XX/XX/2023.
Consumer complaint received 2022-06-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (GA)

I owed {$7000.00} to CareCredit, they keep uping my fixed interest even when I HAVE NEVER MISSED A PAYMENT. i recently took card security off which was {$120.00} so then they added more interest which made what i owe {$7100.00} now and i have tried to contact them but no straight answer, its always an excuse. if i was paying card security and interest would make my total {$520.00} and it was only {$400.00} as i said before i took card security off so it shouldve made my total {$280.00} but it only went down to XXXX I need help, i cant keep paying this when it doesnt even go down. this company is a scam & doing it to so many other people. i have already paid XXXX XXXX  to them and owe {$7100.00} still when the original work i had done at the dentist only came out to be {$9400.00} so if i DID pay them off id be paying them a total of XXXX anything over {$1000.00} you should be contacted by a carecredit representative & I NEVER WAS.