davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
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. (NY)

I received a notification that a new inquiry was added to my credit profile and I DID NOT apply for a new credit line or account. I am requesting that the following inquiries get removed ASAP as they are negatively effecting my Mortgage decision. I am scheduled to relocate next month and my family and I desperately need this mortgage approval. Please remove them. Thank you in advance for your assistance! 

XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX
Consumer complaint received 2019-03-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have asked HRRQ 2-3 times now via the CFPB to stop calling yet they continue to call me post-revocation of consent and are using automated pre-recorded messages. I HAVE ASKED 3 TIMES NOW FOR THEIR COMPLIANCE OFFICER TO REACH OUT TO MY AUTHORIZED REPRESENTATIVE XXXX XXXX AND HAVE GOTTEN NO RESPONSE OVER 60+ DAYS NOW. 

CONTACT XXXX XXXX XXXX XXXX. 
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (NY)

I have never received a copy of my fcra report from XXXX! 

I've been trying since XXXX! 

Now it's XXXX! 

I have left telephone messages on XXXX XXXX telephone messaging system! 

A lot of times!
Consumer complaint received 2018-08-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I had an auto loan with XXXX and paid on it since XX/XX/2013. XXXX XXXX XXXX offered me a chance to pay off XXXX and settle up some late fees with them, but I didn't realize the amount of interest they were charging me. I borrowed {$19000.00}, and I am paying back {$29000.00}. {$10000.00} interest for another 5 years. Is this feasible or am I losing my old mind. I am a XXXX XXXX veteran struggling to make ends meet, but if they are within their rights to charge that much ; please accept my apology. Thank you.
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MN)

XX/XX/22 sent to US bank along with multiple calls to relationship manager and loss mitigation. They are refusing to reverse my forbearance deferral that I have not paid on yet. This makes me ineligible for assistance funds from the state of XXXX 

Hello Please forward this to your loss mitigation and /or complaint department ASAP. I am requesting to cancel my deferral agreement and pay my mortgage forbearance back in a lump sum. The agreement has not went into effect yet as I have not made the XXXX payment when the plan starts. I called yesterday and spoke with someone who was not able to help me so this needs to be escalated. It is in the best interest of US Bank to accept a lump sum payment so it is does not make sense you could not make this happen. Please respond to this immediately as I need to arrange the funds to transfer. 

Loan number XXXX Borrowers : XXXX XXXX and XXXX XXXX ( XXXX XXXX  XXXX ) After denied assistance through XXXX, I filed an appeal and have yet to hear back. XXXX is the last month I can get forbearance assistance on because I reapplied. Here is the appeal I sent to XXXX The deferral agreement I submitted does not go into effect until XXXX. I have notified US Bank to cancel the forbearance deferral and accept the lump sum payment that is past due as of now. I was unaware that applying for a deferral agreement would not make me eligible for this program, but my family really needs this assistance. We are a family of XXXX living on a single income and are the type of household these COVID funds were supposed to help. I have included the latest statement on my mortgage with the appeal they had the past due amount. Please expedite as US bank must receive the funds before my due date to avoid credit reporting and late fees as I am already at the maximum amount of months allowed for COVID forbearance.
Consumer complaint received 2020-07-31
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: CITIBANK, N.A. (TX)

On XX/XX/XXXX I received a phone call and a text from Citibank inquiring as to whether I had recently attempted to charge {$930.00} for clothing. I had not. I spoke with a Citibank representative on the phone and explicitly stated that neither I nor my husband, who also has a card, had attempted to make this charge. The representative assured me that all was well and that the charge would not appear on my account. On the XXXX, I looked at my account online and saw that the {$930.00} charge was pending. It appeared that my existing account was closed and another account was being created. On XX/XX/XXXX I looked at the account online again and saw that the {$930.00} charge had been posted to my account. I had a credit balance because of a reimbursement for unused airline tickets, and the {$930.00} had been deducted from the credit balance. There was no indication that the charge was an illegitimate charge. I disputed the charge online and received a text from Citi stating that I would be receiving a new credit card. On XX/XX/XXXX I called Citibank and spoke with six different representatives. Even though I explained several times that the bank had identified the charge as illegitimate and presumably had denied it, I was unable to get the {$930.00} restored to my account. Representatives insisted that I had not been charged although clearly I had. A print-out of the online account status is attached. The last person I spoke with told me that an investigation was underway and that the credit card company had a process that they were following. I have received nothing in writing about this charge from Citi either online or by mail. I have requested that the account be closed and that the credit balance be refunded to me.
Consumer complaint received 2019-04-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lotane & Associates, P.A. (FL)

Lotane & Associates took me to court to pay a medical bill from my XXXXyr old daughter. We settled with the subcontractor they sent out on XXXX.19.  Their subcontractor told me they would be sending us official documents about our debt owed in two weeks. I have never received any documents from them to date. They did call me and told me my wife and I both had to sign another document because the debt was in both of our names. They sent me a document via email that was altered and had the XXXX County Court seal on it. I told them I would not be signing this, as it was not an official court document. I sent them am email again, on XXXX.19 and to date have received no reply from them.
Consumer complaint received 2018-05-01
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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I started receiving notices that my credit was being checked by XXXX XXXX XXXX XXXX. On that day I was at work and did not authorize anyone to run my credit nor am I in the market to purchase a new vehicle. I attempted to contact the manager at the XXXX XXXX XXXX XXXX and he hung up on the phone on me and after repeated calls, I was left on hold for no one to return to the phone. Ive attempted to reach out to the banks and I was told to submit a letter to the credit companies which Ive done. After calls and letters each company keeps referring me back to the other and ultimately Im getting no where. I even ask them to update my employer because on the same day XX/XX/XXXX, XXXX XXXX was added as my employer and Ive never worked for XXXX. All other inquiries are mine eco the one from XX/XX/XXXX. Ive added the fraud alert to my report but Im not having any luck getting the unauthorized inquiries removed
Consumer complaint received 2022-03-09
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. (MI)

I have repeatedly contacted Transunion about a collections account for XXXX to be removed and so has XXXX and the collection company also has contacted them. 
They refuse to do it. They refuse to assist and hang up on me when I call. The last call was today and his name was XXXX who answered and was rude, wouldn't transfer me to a supervisor and hung up on me. He also refused to send me a credit report. They XXXX customers and its awful.
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (FL)

When I opened up my PNC business checking account I was enrolled in the following promotion : Earn {$300.00} with a business checking plus account when you complete the following requirements : Maintain the minimum average cycle balance of {$5000.00} for each of the first 3 statement cycles Make at least 10 total qualifying PNC Bank Visa Debit Card transactions and/or PNC Bank Mobile Check Deposits [ 3 ] within the first three statement cycles ============================================================== However I have not received the {$300.00} after 4 statement cycles. Upon inquiry, PNC rep stated because the first month ( in which I opened the account ) I did not have {$5000.00}, I did not qualify. It is unreasonable to assume that customer would have the {$5000.00} balance when the first statement closes right after opening and I have to set up direct deposit and ACH.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

My problem is with equifax, this started early spring of XX/XX/XXXX. They report things on my credit that are seriously wrong, and they refuse to fix or show me proof under the federal guidelines of how they are saying this is correct on my report. 
For example they show a XXXX XXXX that was made in XX/XX/XXXX, it was not with this company it was with XXXX which is out of Buisness for at least 7 years. They tell me I have to call the companys reporting this, also wrong addresses that I have never lived in those citys, and my full name is wrong as well.
Consumer complaint received 2022-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Since XXXX of 2021 Transunion LLC is submitting false information to XXXX XXXX. 

I stopped using my XXXX 's charge card because every time I used it, Transunion Reported to XXXX XXXX, my account was not paid on time, on the same day the charge to the XXXX 's card was transacted. 

XXXX reports wild information like my loan in creased by XXXX when no loans have been taken out or decreased by XXXX for who know why. 

This month Transunion is reporting to XXXX XXXX a XXXX account was closed, which I haven't had a XXXX account for 30 years. 

Transunion also reported in XXXX of 2021 by student loan payment wasn't made which was also false. 

Every month this happens I report the misinformation to Transunion and the credit report is fixed. 

This month Transunion lowered my credit score XXXX points because XXXX reported a XXXX decrease in student loan debt, who knows why, and someone reported to Transunion a XXXX account was closed, and like I stated above, I haven't had a XXXX account for 30 years and closed then Why did my score go down with these actions? If the reporting was factual my score would have gone up! 

Is Transunion LLC owned by XXXX BANK XXXX XXXX XXXX XXXX XXXX? 

Who owns Transunion LLC? 

How can I stop the fraudulent reporting by Transunion LLC and XXXX XXXX? 

XXXX XXXX
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am no longer associated with these addresses or have I ever been associated with these addresses. 

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
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CT)

I am now 3 weeks into a problem with XXXX XXXX returning a large sum of my money that they did not credit to my account. The company claims that since XX/XX/XXXX they returned it using the wrong account number. Their most recent claim is that they have turned the {$2500.00}. over to XXXX-a company about which I have no information or contact numbers-and that they are unable to provide me with a timeframe as to when XXXX will complete the return of the payment. This is inappropriate and unacceptable. How can a reputable bank be unable to know where my money is or when it will be returned? This banks practices need to be examined.
Consumer complaint received 2022-02-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Placement Services, LLC (IL)

In response to two medical debt collections, I sent a debt validation letter to Professional Placement Services , LLC via certified mail on XX/XX/22, the company received the letter by that following Friday XX/XX/22. In return, this company has failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I asked the company to please delete this information from my credit file and cease all collection activities immediately before it appears on my credit file.

Amount requested : {$86.00} Debt 1 : {$75.00} Debt : {$10.00}
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

1. Synchrony Care Credit is reporting account payment status incorrectly as a charge-off despite furnishing proof this account was settled in full. The correct payment status is settled in full.

2. Synchrony claims an incorrect balance despite receiving a refund in the amount of {$600.00}. 
3. I have called Synchrony Care Credit 17 times and gotten no resolution.

4. I have filed multiple disputes directly with synchrony proving they are inaccurately reporting payment status as a charge off. 
5. Synchrony is reporting the charge-off dates incorrectly. As made evident by the settled in full letter from XXXX XXXX. Stating the account was settled in full on XX/XX/2014. They claim it was charged off in XX/XX/2014.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The account by XXXX XXXX XXXX in the amount of 631 has been settled and paid in full. The amount of 118 by Portfolio has also been pain in full. I have requested several times for these items to be removed even while under investigation. Both creditors have stated that they have updated the collections on their end
Consumer complaint received 2018-08-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (FL)

In XX/XX/XXXX I got a HELOC loan from Beneficial, I paid it off in XX/XX/XXXX. In XX/XX/XXXX I closed the account due to selling the home. XXXX released for recording on XX/XX/XXXX to XXXX recorder, loan number XXXX. I also got a copy of Satisfaction of Morgage from XXXX XXXX XXXX XXXX. which states it authorize and directed to discharge the same upon the record of the said morgage. Instrument no. XXXX in the records of the county recorder in the county of  XXXX State of Minnesota This Satisfaction of Morgage. It was issued in State of Florida and Notary Public XXXX XXXX.Notary #  XXXX. 
Now comes the issue XXXX went out of bussiness and sold a large group of loans that were not paid off to XXXX XXXX XXXX for pennys on the dollar. My paid off loan got in this mix. The account number with Ditech is XXXX, I have never heard anything about this issue till I was buying a home 4 years later, and have never worked with this company. My paid off loan got in this group of open loans, I am buying a new home and it was in under writing and on all three credit reporting companys it shows this loan is not paid off and still owe XXXX which is what the origanal loan was for. Ditech has copys of the satisfaction of the loan in my file. But will not fix there mistake. I have now lost the home I was buying and have to be out of this rental in 18 days. I am have no idea what I am going to do and I have 2 dogs and 3 cats so a rental will not rent to me with my pets. This has caused me so much stress and making me sick. I am stuck, there is a class action suit filed for the same issues with 100 's of poeple filling lawsuits. I have spoke to an Attorney both for the class action suit and a local attorney in XXXX. I will be filling a lawsuit if not corrected now. I have asked in writing for a complete payment history showing this loan from XX/XX/XXXX has never had a payment made to it. A lawsuit will take years take years and I can't buy a home. 
I beg of you please help me.
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I called jp morgan chase to file a claim against these unauthorized transaction and after review they denied the claim due to cause : mentioned i used this merchant inn the past Merchant : XXXX XXXX  XXXX XXXX XXXX transaction date:XX/XX/XXXX amount:XXXX dispute claim date : XX/XX/XXXX
Consumer complaint received 2023-03-22
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: MicroBilt / PRBC (formerly CL Verify) (TX)

Dear Consumer Financial Protection Bureau, I am writing to dispute several hard inquiries on my credit report. According to my credit report, there have been several hard inquiries made by various lenders over the past few months that have negatively impacted my XXXXredit score.

I understand that lenders have the right to request my credit report as part of their lending process, but I believe that these inquiries were made without my consent or authorization. I have not applied for any credit or loans during this time period and have no knowledge of any lenders or financial institutions conducting a credit check on me.

As you are aware, hard inquiries can stay on a credit report for up to two years and can have a negative impact on my credit score, which can affect my ability to obtain credit in the future. Therefore, I am requesting that these hard inquiries be removed from my credit report immediately. 

I have already contacted the credit reporting agencies and disputed these inquiries, but I have not received a satisfactory response. I am hoping that your organization can assist me in resolving this matter as soon as possible. 

My credit report clearly shows the unauthorized hard inquiries. Please let me know if you require any further information or documentation from me to resolve this matter. 

Thank you for your assistance in this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions