davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
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: Experian Information Solutions Inc. (IL)

I have been shopping around for mortgage rates with about 6 companies. All of them did " soft '' inquires on my account ( i.e. does not affect my credit score ), except XXXX XXXX via XXXX which did a " HARD '' inquiry on my credit ( which DOES affect my credit score ). I have not applied for a mortgage with XXXX XXXX and they did not have permission to start a mortgage ergo hit my account with a " HARD '' inquiry. I have attached the email that XXXX XXXX sent me after inquiring about a mortgage. Note that at the top of the email it says " Thank you for considering XXXX for your mortgage financing!, yet at the top there is a loan number ( " Subject : Welcome to XXXX, XXXX! ( XXXX ) ''. Not only did they hit my credit report with " HARD '' hits, they also hit my wife 's 3 credit reports, lowering her score too.

I have called XXXX and they initiated an inquiry with XXXX   XXXX, but that will take up to 60 days to complete. I am now ready to apply for a mortgage, and my credit score has been affected by XXXX  XXXX  's " HARD '' hit on my account.

I called XXXX   XXXX  and XXXX  told me that is the way it is, and he would not address the issue at hand. Told me to go ahead and " call the FBI or whoever to handle my complaint ''.

I called XXXX ( XXXX  ), and they also refused to do anything about my complaint about reversing the " HARD '' hit. I have attached their credit report showing the " HARD '' hit on my account.

I have not talked to EXPERIAN nor XXXX yet, but can not dispute online for what ever reason. It shouldn't take me 3 hours to get simple answers and get this hit removed. I have got nothing but the run-around whether it was online or on the phone ( except XXXX, they took my complaint quickly and were professional ) I have also attached EXPERIAN and XXXX  's sections of my credit reports showing the " HARD '' hit on my credit report.

I find hitting my credit reports with a " HARD '' hit when I was only inquiring about rates and fees.
Consumer complaint received 2018-10-22
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: EQUIFAX, INC. (IL)

I have been shopping around for mortgage rates with about 6 companies. All of them did " soft '' inquires on my account ( i.e. does not affect my credit score ), except XXXX XXXX via XXXX which did a " HARD '' inquiry on my credit ( which DOES affect my credit score ). I have not applied for a mortgage with XXXX XXXX and they did not have permission to start a mortgage ergo hit my account with a " HARD '' inquiry. I have attached the email that XXXX XXXX sent me after inquiring about a mortgage. Note that at the top of the email it says " Thank you for considering XXXX for your mortgage financing!, yet at the top there is a loan number ( " Subject : Welcome to XXXX, XXXX! ( XXXX ) ''. Not only did they hit my credit report with " HARD '' hits, they also hit my wife 's 3 credit reports, lowering her score too. 

I have called XXXX and they initiated an inquiry with XXXX XXXX, but that will take up to 60 days to complete. I am now ready to apply for a mortgage, and my credit score has been affected by XXXX XXXX 's " HARD '' hit on my account. 

I called XXXX XXXX and XXXX told me that is the way it is, and he would not address the issue at hand. Told me to go ahead and " call the FBI or whoever to handle my complaint ''. 

I called XXXX  ( XXXX ), and they also refused to do anything about my complaint about reversing the " HARD '' hit. I have attached their credit report showing the " HARD '' hit on my account. 

I have not talked to XXXX nor EQUIFAX yet, but can not dispute online for what ever reason. It shouldn't take me 3 hours to get simple answers and get this hit removed. I have got nothing but the run-around whether it was online or on the phone ( except XXXX, they took my complaint quickly and were professional ) I have also attached XXXX and EQUIFAX 's sections of my credit reports showing the " HARD '' hit on my credit report. 

I find hitting my credit reports with a " HARD '' hit when I was only inquiring about rates and fees.
Consumer complaint received 2019-05-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (WA)

We were moving across state, and needed to access our savings account. We went over our 6 transfers, and got assessed a XXXX dollar fee, however, we did the 7th in branch and said they would cover the fee, however not only did they not do that, they gave a non sufficient funds fee asseed because we had to withdraw our money to cover unforeseen expenses. So, they gave us a few, and a NSF fee as well. A double threat, and their response was to refund half, instead of refund the NSF fee, and we would've been fine paying the excessive use fee. At this point it's simply principle. Also, wells Fargo is notorious for doing shady things anyways.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

my Kohls payment was due of XX/XX/XXXX. which i always pay on the beginning of the month before due. im on social security and get paid once a month. i apparenty forgot to pay last month. they called me two days after due. i said i was a customer and paid on time for 10 years. they said they would waive the fee. well on the XX/XX/XXXX i paid my bill plus the amt. they had agreed to take out on the XX/XX/XXXXXXXX i called three times to make sure iwas up to date and they assured me everything was ok. i said on my online statement it say i owe XXXX on XX/XX/XXXX and they said i have to wait till the next billing cycle to have that corrected. Well i checked my online account. and apparently i am at the same place as i was last month. now they tell me i am in collections and owe XXXX which is not accururate. i talked to three agents on the phone and got the most stupid explanations. im not paying them anymore than i owe them. i asked to talk to a supervisor.. but i think they just passed the phone to one of their friends. my daughter works in customer service and says they do that frequently. well im disgusted it may not seem like a lot of money to some but to seniors on a budget it is huge. i discontinued my account. and told them i would go to the XXXX. im not sure where to take this. but they cant get away with this. please advise me to my next step.
Consumer complaint received 2018-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been shopping around for mortgage rates with about 6 companies. All of them did " soft '' inquires on my account ( i.e. does not affect my credit score ), except XXXX XXXX via XXXX which did a " HARD '' inquiry on my credit ( which DOES affect my credit score ). I have not applied for a mortgage with XXXX XXXX and they did not have permission to start a mortgage ergo hit my account with a " HARD '' inquiry. I have attached the email that XXXX XXXX sent me after inquiring about a mortgage. Note that at the top of the email it says " Thank you for considering XXXX for your mortgage financing!, yet at the top there is a loan number ( " Subject : Welcome to XXXX, XXXX! ( XXXX ) ''. Not only did they hit my credit report with " HARD '' hits, they also hit my wife 's 3 credit reports, lowering her score too. 

I have called XXXX and they initiated an inquiry with XXXX XXXX, but that will take up to 60 days to complete. I am now ready to apply for a mortgage, and my credit score has been affected by XXXX XXXX XXXX " HARD '' hit on my account. 

I called XXXX XXXX and XXXX told me that is the way it is, and he would not address the issue at hand. Told me to go ahead and " call the FBI or whoever to handle my complaint ''. 

I called TRANSUNION ( XXXX ), and they also refused to do anything about my complaint about reversing the " HARD '' hit. I have attached their credit report showing the " HARD '' hit on my account. 

I have not talked to XXXX nor XXXX yet, but can not dispute online for what ever reason. It shouldn't take me 3 hours to get simple answers and get this hit removed. I have got nothing but the run-around whether it was online or on the phone ( except XXXX, they took my complaint quickly and were professional ) I have also attached XXXX and XXXX 's sections of my credit reports showing the " HARD '' hit on my credit report. 

I find hitting my credit reports with a " HARD '' hit when I was only inquiring about rates and fees.
Consumer complaint received 2019-05-07
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: BARCLAYS BANK DELAWARE (TX)

I, XXXX XXXX XXXX WAS CHARGED {$2800.00} ON XX/XX/2010 BY A COMPANY CALLED XXXX XXXX. THIS COMPANY TOOK ADVANTAGE OF ME AND DID NOTHING AT ALL FOR ME.. I TRIED TO REPORT THIS CHARGE AS FRAUD WITH MY CREDIT CARD COMPANY. THEY REFUSED BECAUSE IT WAS 9 YEARS AGO.
Consumer complaint received 2018-10-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

Two months ago, I sent a letter to Equifax, asking them to investigate errors on my credit report. They are required to respond within 30 days. Despite follow-up letters into this matter, I have still yet to receive my investigation results from Equifax.
Consumer complaint received 2021-05-10
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. (IL)

Unauthorized Credit Inquries on my Transunion credit report! I have attempted to have remove several times. Contacted companies they couldnt find inquirys contacted transunion and they were rude in wiling to help. 

Inquirys are as listed that I never authorized. 
1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 3.XXXX XXXX XXXXXXXX XX/XX/XXXX 4. XXXX  XXXX XX/XX/XXXX 5. XXXX main XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-10-22
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: Bread Financial Holdings, Inc. (CA)

XXXX XXXX-XXXX  secrets is being unreasonable. I had a major XXXX XXXX   on XX/XX/XXXX. The XXXX was not 100 % successful, it turned up to be a nightmare as I was in and out of hospital for several days after that due to complications. In the process, I was unable to work and suffered emotional stress and developed XXXX XXXX XXXXr and couldnt function mentally. 
My condition was so bad that I could not manage my finances for several days. As a matter of fact, I could not work during that period as I was recovering from XXXX complications. After I recovered, I maintained a perfect record ever since. Also keep in mind, if it were not the XXXX complications, this account would have never fallen behind As a loyal and grateful customer with this client, I sent them a letter explaining myself in detail on what had happened on XX/XX/XXXX with a request for them to remove the late payment history. I attached my letter with medical certificate as proof of my hospitalization but to my surprise, this company still keeps on reporting the late payment history even after it was clearly not my fault that I was late. For yet another time, please delete the late payment history of this account : Account # XXXX ; Date Opened XX/XX/XXXX ; Credit Limit {$5900.00} Attached herewith is the letter I sent to this company on XX/XX/XXXX
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XX/XX/ 2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Loan was with XXXX XXXX. I utilized CARES act to temporarily halt my mortgage payments. 
I began repaying in XXXX of XXXX. The loan modification process kept being dragged and I was getting excuses, so I filed a complaint. As soon as they received the complaint, they approved a loan mod at XXXX percent and then sold my loan to PHH before I could even sign the paperwork.

I contacted PHH in XX/XX/XXXX to start making payments in compliance with the terms of the loan modification. They didn't even have an account number to give me, and I had to got o a supervisor to make payment with them. Since the very first contact they tell me every time that I am one week away from my documents being complete.

They sent me a loan modification in XXXX that had raised my interest rate to 4.15 percent. I immediately contacted them and told them that they had to comply with the interest rate offerred to me via XXXX XXXX. They said that they would have the loan mod updated and sent to me XX/XX/XXXX. I contacted them today and they have given me the standard line that give them a week to have the loan updated. Meanwhile, I am getting emails from them stating I haven't made my payments ( all three loan trial payments were made. Two in XXXX and one XXXX. They also emailed me what they said is the updated loan modification. But now are saying its still being reviewed. I have a payment due in XXXX and do not know what my payment is because they haven't completed the documents or are sending me false/fraudulant documents. 
I can scan and send all emails and mortgage docs you need upon asking.
Consumer complaint received 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (WA)

Amerihome Mortgage The amount I am being charged for property taxes is XXXX per year, when the actual property tax amount is around XXXX. This is a new loan that was originated in XX/XX/XXXX. I have requested an escrow analysis to be done, and I was told multiple times that it WAS done, but now Amerihome is saying they have one scheduled for XX/XX/XXXX and will not complete one before that, even though I have provided them with the XXXX tax bill for the property that shows the actual amount. I have called multiple times, and keep getting a different answer each time I call. If it was a few hundred dollars, I would not be concerned, but this is a major overage of approximately XXXX per year. 

I can provide more details if needed. 

Thank you,
Consumer complaint received 2019-03-28
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: EQUIFAX, INC. (NM)

I am currently attempting to fix my my credit and I requested my credit report from XXXX and it doesn't allow me to retrieve my report. I am wanting to dispute items on my report that i do not recognize as well as items that should have came off already.
Consumer complaint received 2022-03-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I was hit with a 30 day late payment from Capital One in XXXX of 2021 for a vehicle that I had traded in weeks before the account would have been 30 days past due. I spoke with a representative about it after seeing the late payment reported but was told that they did not know what could be done about it. I'm reaching out to you all for help in resolving this matter as it has negatively affected my credit score with all three bureaus. 

Thank you!
Consumer complaint received 2018-05-08
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. (FL)

The issue at had is with my current mortgage company XXXX XXXX. 

I'm a FL resident and on XX/XX/XXXX I was impacted by Hurricane Irma. FL was considered 1 of the Disaster areas. Due to this, Loan care offered a 3 month forbearance that was extended for an additional 3 months in order to help the victims. 

I was placed on the forbearance. On multiple occasions I've called and spoke to several different representatives in customer service to confirm that being on the forbearance would not have a negative impact on my credit report. Over and over the confirmed as long as I stayed in contact with them by the end of the forbearance to look into other options to repay I would not experience any negative reporting. 

At the end of my forbearance they demanded me to pay in full the 6 months payments which was more than 10,000. I was shock that this was the only option so I asked if they had other repayment options like perhaps rolling the balance to the end of the loan. 

I was finally contacted by an underwriter for the company and was offered a disaster modification option which sounded great. I applied and was approved and placed on a pre trail for 3 months. I'm currently on my 2nd trail payment and is required a 3rd payment before they will officially put me in the modification. 

My account was being reported current up until XX/XX/XXXX. On XX/XX/XXXX my account was reported 180 days delinquent, a past due balance of XXXX and a statement that I'm in a repayment modification process. Because of this reporting my credit has dropped more than 77 points which cause a huge impact to my credit ratings. I was never informed that accepting the loan modification would impact my credit negatively. I was told that all negative reporting would be placed on hold. 

I'm currently in the process of obtaining new credit and because of this discrepancy I can not move forward. This is unfair to me. If I was properly informed I would have never chose this route. My credit is one of my top priority and keeping my ratings high has been my goal for many years now. 

I contacted my mortgage company and spoke to a supervisor that informed me that the negative reporting was a mistake and should have never occurred and that she would contact me to confirm it was being corrected. I haven't heard back yet. Time is of the essence and would like confirmation that the changes will be submitted. 

After speaking with her I called a few times and spoke to different representatives that informed me that the negative reporting will not be removed because the account was behind. at this point I'm getting mixed information and need help. 

I will attach a copy of the email I sent to them also.
Consumer complaint received 2024-03-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (PA)

Santander Consumer USA was in Multi State Class Action Suit XXXX which They owed Consumers Damages and Titles They were supposed to send US Checks and The Title While Removing The Negative Information from Our Credit Reports I was waiting for My Check And TITLE To Be Done With Santander I Contacted The CFPB back then sometime in XX/XX/XXXX Either They were Hacked or they claimed they were going to repo my vehicle with no way to respond to that e-mail only a way to opt out or call XXXX But since the First Class Action Suit when I called The Workers wouldn't give me any information on my account they just kept talking about the XXXX XXXX that wasn't on US But On Them and their accounting I couldn't get anyone to help me it escalated back in XXXX and I was told I didn't have an account with Santander back then on their own Documents they Closed my Account in XX/XX/XXXX because I was one that was owed by them My Credit Report stated that they predicted that it would be in good standing or something by XXXX because that's how long they would take to fix that issue on their end fast forward to XXXX XXXX My name and my son 's name were entered into another Class Action Law Suit Against Santander Consumer USA for Illegally Repoing Cars the claim said that we didn't have to do anything then in XXXX we received separate checks so Santander Consumer USA Needs To Stop with The Threats Harrassment and Abuse Send US Our Title and All money still owed to US STOP E-mailing or sending our information to some kind of Collection and Pay damages for the on going breaches of our information We No Longer are In Business With Them
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.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 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