davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

In applying for a pre-qualification mortgage, I was asked if I would allow an inquiry into my credit I did not want this. So I backed out before completing any further. 5 minutes later, I received a hard inquiry on my credit. I was then told that they tested this out themselves and that it wasn't possible. I asked if they had a system in place to verify this and they said yes. If that we're the case, they would know for sure that I didn't consent to my credit being inquired upon. They said that they tested it from their end and could not replicate my scenario and that was enough to prove I did allow them to check my credit. This was a fraudulent inquiry and it was never approved by me. The way they have the form setup to be used is not secure enough if I can back out of their process without a notification asking me or notifying me of what may or may not happen. 

There is no way they could have verified I allowed them to access my credit. I know this for a fact. I did the application with someone else and they saw this too. 

In addition to all of this and after going through the steps again, I believe there are more issues to address like the way they advertise a pre-qualification and then ask for a credit inquiry halfway through the page. This is why I backed out in the first place.
Consumer complaint received 2023-02-23
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. (IL)

I received an alert from XXXX that I had a new credit inquiry. XXXX uses Experian for their credit monitoring services. 

Inquiry Date : XX/XX/2023 Lender : XXXX XXXX XXXX It appears that XXXX ran my credit without my consent, as I have never engaged or attempted to engage with XXXX in any capacity.
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (OR)

This is not a problem with my mortgage so much as it is with an insurance claim to my mortgage bank, PNC Bank. 
I had a house fire in XX/XX/XXXX. My insurance company and I sent the bank the adjusted estimate check at the first of XX/XX/XXXX. The bank released the funds as described in their literature. No problem. In XX/XX/XXXX I sent another check I received from the insurance company for the cost of demolishing the house and cleaning up the debris from the fire. On XX/XX/XXXX this check appeared in my mortgage bank escrow account. Fine. Since that date I have been trying to get this mortgage bank to release those funds so that we can pay the subcontractors who have been rebuilding my house. They first wanted additional information on the adjusted estimate. I had my insurance adjuster contact them to give that information. I waited a week and called their claims department to ask why they had not released the funds. They said they had not received the information from the adjuster. I had the adjuster again sent them by email to a particular person in the claims department. No check. This has been going on in the same manner for over 3 months. I have the subcontractors filing liens on my property since they have not been paid. I call the claims department of this bank every day to ask why they haven't released these funds. I get a variety of answers. Now it's they are converting from and old records system to a new one and it will take 5 or 30 days ( depending on who you talk to ) to be able to review by records. I ask for a supervisor. None are available. I ask for a supervisor to call me. No call. I emailed and wrote a letter to the person on charge of account services. No reply. At this point I believe I'm going to have to file a law suite to get this money released. But that will take more time than I have. Can anyone get these XXXX to release these funds?
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

I am receiving notices on my credit score from a JP Morgan Chase credit reporting app that is stating I made 6 late payments even though I have never missed a payment or accrued interest. I believe my credit score is misrepresented and I desire a dispute to have this misconception amended and my credit score brought up. 

Further, I am receiving many more credit inquiries than I have agreed to. For example, XXXX XXXX sent me a card saying I was preapproved, so I agree to have the card and they made a credit inquiry and did not send the card. I have seen similar tactics from XXXX XXXX  and JP Morgan.
Consumer complaint received 2019-04-11
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. (FL)

Ive been unable to create online acct w SSA. According to the SS Administration, this is due to weird credit reporting by credit bureas. I called XXXX  and Experian and arranged for free report to be mailed. 
I called XXXX  and they refuse to help me without me sending my drivers license AND copy of SS card. They claim this is due to my not answering verification questions as they see fit. ..I then realize that XXXX has my home address listed incorrectly ( I have a XX/XX/2018 copy of my report ). I call again to try and get this corrected. I reached a US supervisor, " XXXX '', who said all I need to do is OPTION B : send my license and a copy of my utility bill and I was NOT required to send copy of SS card. OPTION A was to call Consumer Care XXXX and ask via phone, a lot easier. I called this number and after asking repeatedly for a U.S. supervisor, finally got to " XXXX '' ID XXXX    XXXX. She refuses to help me. Asked me verification questions but ultimately said that I have to send in Drivers lic. AND SOCIAL SECURITY CARD. I said to her that XXXX said all I needed was electric bill to prove my address. She questioned ID # of XXXX, and said that she has no record of a " XXXX ''. I told her I didn't have a ID # for XXXX. Guess she doesn't believe me. She proceeded to list the number of times I had called in over the past 2 days. I explained that should have no bearing on this, AND that yesterday all I was asking for was a copy of my report. TODAY, I am asking for XXXX   to also CORRECT my address. She refused, saying that I had to send in license AND SS card copy. I explained that this is overkill, esp when I have to go to a bank lockbox to retrieve it. She hung up on me, but made sure she ended the call herself by saying 'bye '' in order to not get into trouble. She expressed annoyance that I was unable to hear her with the background noice on her end. I called her on this, and explained that I have trouble hearing in general and esp on a cell phone, but she defended herself and denied that she was giving me a hard time.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have made numerous attempts to unfreeze my Experian credit report. The other two agencies had no issues. My concern is that I am unable to unfreeze my report in Experian and there is no human to answer the phone. Experian provides and directs me numbers which I call. But, the options are minimal and are not consistent with my issue. In addition, there is no way to reach a human. I have called, emailed, gone online, etc. Experian has made no attempt to reach out to me to assist. This is adversely impacting my ability to obtain financing for a home I would like to purchase and I may lose out on it and certain rates, etc because of this. In addition, how can a company that holds so much power over somebody's credit not have a human being available to assist with any issues?? This should be illegal. Can you please help me? Thank you so much.
Consumer complaint received 2019-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I purchased what I thought was a legitimate prescription online. Instead, what I received was an alternative fraudulent, counterfeit drug. The packaging, the brand name, and the actual pills were completely different. I later found out that in fact, this is a controlled substance and can not be purchased online. I promptly requested to return the merchandise ( the same day of receipt ) with the retailer but they refused to accept any returns. I disputed this with my bank ( Bank of America ) but the claim was denied. 
The retailer has since disappeared, the phone number is disconnected and its website is no longer active.
Consumer complaint received 2019-02-04
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. (AL)

I reviewed my credit profile and I noticed that there are several items reporting that do not belong to me. These items are reporting either in error or as a result of identity theft. I have sent letters to the credit agencies informing them of this matter and they still have not corrected the matter.

The following items that are reporting in error : XXXX   Wireless Account ( result of identity theft ) There are late payments showing on XXXX XXXXr and XXXX XXXX ( I was never late on these accounts ) Names : XXXX  Addresses : XXXX XXXX, XXXX XXXX   There are unauthorized Inquiries reporting : XXXX ( 2 Times ) XXXX XXXX ( 4 times ) XXXX XXXX   XXXX XXXX XXXX XXXX ( 9 times ) XXXX XXXX XXXXXXXX XXXX XXXX  ( 2 times ) XXXX  ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 3 times ) XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-11
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: EQUIFAX, INC. (FL)

Information was incorrectly reported concerning a late monthly payment on a Mortgage, documentation from the mortgage company stating that month was paid on time was provided, mortgage company provided evidence it re-reported correct information, yet I had extreme difficulty opening a dispute, and once the mortgage company resolved the issue 4 MONTHS LATER, I continue to have difficulty cancelling the dispute. This complacency and apathy on the part of Equifax is jeopardizing home refinancing.
Consumer complaint received 2019-04-11
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 requested credit investigations on XX/XX/XXXX. Equifax and XXXX XXXX were supposed to respond within 30 days but have not. Its been over 45 days, and I still haven't received anything from Equifax and XXXX XXXX. XXXX  did respond in a timely manner.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have contact Equifax and have informed you that I am a victim of identity theft and that XXXX XXXX   in the amount of {$640.00} account is a result of identity theft YET YOU STILL CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT. IF THIS ACCOUNT IS NOT REMOVED I WILL BE FORCED TO SUE YOUR CREDIT REPORTING COMPANY. How could this company verify this account with you when they can't verify it with me. They have nonbonding legal contract and I have never dealt with this company before. I have never dealt with this company or the company XXXX that they represent. There is no contract bearing my signature and XXXX has never contacted me regarding this fraudulent account either. So if they never contacted me how could I inform them that the account is indeed not mine. After contacting both companies neither can provide legal binding contracts so how in the heck are they reporting this fraud account to you and you are verifying. What exactly are you looking at Equifax to verify this account because there is definitely no contract bearing my signature with any agreement with XXXX or XXXX. Please remove this account immediately. Not only that I have informed you also that this account could be a result of identity theft therefore you are not following the law by leaving this on my credit file a deletion is needed until a full investigation is properly done.
Consumer complaint received 2024-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX I disputed the accuracy of this XXXX XXXX XXXX account on XXXX ending in XXXX XXXX. 
And for Transunion and XXXX account XXXX. I was notified that this information was verified as accurate and correct. 

As of XX/XX/XXXX, AND XXXX my latest credit report shows that their investigation still remains inaccurate which makes me question the validity and methods use by each agency seeing as how this information such as amount owed, payment history and date reported and last active date is still not correct. 

Each Credit report show something different for monthly payment, last reported date and date last active is different on each report and there is no payment history is either inaccurate or not reporting for transunion or XXXX.. 

Under the fair credit reporting act I am owed accurate reporting and each agency has violated my rights reporting accuracy. 

Under 15 U.S.C 1681b I have never gave permissible purpose in writing to any credit agency. Also Under 15 U.S.C 1681a ( e ) I never received any information regarding how this account was verified and if the credit agency only means of verifying this account was by getting information from the furnisher then they have violated 15 U.S.C 1681a ( e ). 

Further more I asked each agency for proof of the permissible purpose with original instruction giving by me to this furnisher regarding permission to report. I also ask for proof that this furnisher gave me the disclosures stating I can opt in an out of any credit reporting at any time in the monthly order according to this law and I was met with resistance.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am submitting this CFPB Complaint to formally request an investigation and correction of the listed accounts that appears to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX - You are reporting a different information from other bureaus. This account is only reporting in your bureau. If your record keeping had been accurate, this account should have never been erroneously reported. Per FCRA, reporting of account information must be accurate ; I need this account removed immediately. Thank you. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Consumer complaint received 2019-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Happy Money, Inc. (NY)

Payoff.com, misrepresented how much I owed them in XX/XX/2019. When I refinanced my home, I sent them a check for the balance they quoted me also in XX/XX/2019. Turns out, they wanted {$66.00} more dollars. I tried to explain I paid the amount they said and they said well the quoted amount did not include interest. 

I had been paying the loan off in monthly installments, automatically, for over a year. All the interest was built into the payments. 

They began harassing me in XX/XX/XXXX calling my cell phone during work hours, texting, emailing, all for XXXX XXXX I use my cell phone for work, was very embarrassing. 

I agreed to pay the full amount in XX/XX/2019. I asked XXXX XXXX of the collections department if they reported me to a credit bureau which they did. I was livid. Here was a company, I borrowed XXXX from, paid every month from my account automatically and they are trying to hurt my credit for {$66.00}. 

I asked if they could write a letter to the credit bureau to indicate a mistake reporting my account delinquent and XXXX XXXX refused.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/XXXX at XXXX XXXX XXXX time and discovered that TRANSUNION at XXXX XXXX XXXX in XXXX, XXXX placed a fraud alert on my credit report without my consent. Ive tried to remove this alert from my credit report, over the phone with this company, but they said I was only able to get this issue resolved either through mail or online.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (FL)

Montgomery Ward is reporting a account on my credit reports that I did not open I want my right by fair credit 609 for them to provide me with address items sent date price history I want everything verified proving this is my account if this can't be verified then delete immediately
Consumer complaint received 2023-08-18
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)

Unauthorized Inquiries are shown below.. 
Equifax 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
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

I refinanced our mortgage the mortgage company sent one check, and the check was not processed. My mortgage company sent a second check the check processed by HSBC in XXXX. Had a XXXX balance from HSBC for XXXX and XXXX bill. On Saturday XX/XX/XXXX received a bill for XXXX with a returned check fee. I called my mortgage company they are saying the check was processed.. HSBC sent me a check back in XXXX for XXXX, and I ripped it up want nothing to do with this company at all. I have demanded they close my account, and they refuse to close the account, and will not stop billing me. I would like the account to be at XXXX balance, and closed. 

Thank you, XXXX XXXX
Consumer complaint received 2019-10-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I have a private student loan through Navient that I took out in 2007. This loan was taken at a time where I had no idea what I was really signing, nor did my parents. It started at just over 22,000 with an adjustable interest rate. The rate is currently 11.6 percent with a balance of XXXX. I have been making payments with the help of my cosigner through a rate reduction program because I am barely making monthly expenses. 

This loan has been rather difficult to deal with and none of the policies seem to be consistent from call to call. I would receive a bill for XXXX and the company would automatically pull XXXX, at another point the bill was XXXX and the company was pulling XXXX. Due to the confusion and lack of explanation in XXXX, I requested a copy of the note, to see the terms because I couldn't find it. The company was never able to produce it or explain what was happening. I just received a series of letters stating they need more time along with detailed payment history. 

I was up for a renewal of my low-income program and was refused. They said both my and my cosigner 's credit rating were too high so I wasn't at risk of default. They assured me my only option was refinancing through XXXX. I was rejected for being low income and realized then that Navient owns that company which would keep make it against their best interests to refinance and lower my interest rate. I contacted an attorney but he said I could maybe win but that would be tied up in litigation so long and with so much expense that he wouldn't take it nor did he think it was worth doing.