davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2019-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have done all 3 credit bureaus " debt validation " which was a joke!.

I want verified debt history of this collection account with notarized documentation of XXXX XXXX XXXX ownership. AND PAYMENT HISTORY.

FCRA & FDCPA VIOLATION!

THIS is a collection account and under FDCPA & FCRA IS A VIOLATION to mark consumers collection accounts with " paid late '' only creditors can do that. Complaint also sent to XXXX and Wisconsin state attorney. I also now have attorney.
Consumer complaint received 2020-11-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

We are returning Quicken Loan customers with an approved refinance w/cash out loan. We were refinancing an existing QL loan and were approved in XXXX. 
We closed the loan on XX/XX/XXXX. Through no fault of ours, the documents never made it to Quicken Loans. My Quicken Loan 's online account stated the fund transfer would occur by XX/XX/XXXX. We checked both our Mortgage online APP - Rocket Mortgage and our bank. Our Rocket Morgage online account had nothing new - no notice of what was happening so long after a loan closing. It continued to state the transfer would happen XX/XX/XXXX. Two weeks after the XX/XX/XXXX closing, we accepted that Quicken Loans was not working on the transfer issue. A day or so after our call, Quicken Loan told us the paperwork never arrived. Then they started working on the issue.

We were offered a reclosure on XX/XX/XXXX. The reclosing stopped because around XX/XX/XXXX, because our contractor ( roof ) of the projects the loan was helping to finance, filed their Notice of Commencement 13 or 14 days after we closed.

Quicken Loan sent notification that the loan was being canceled because there was a NOC filed. No offer, no contact at all regarding working with us due to their lack of monitoring their final part of closing - transferring the funds.

We really do not understand why Quicken Loans is satisfied to put the customer in a precarious and possibly disastrous position when something goes wrong with their processing that they only become aware of weeks after the client closes. Contracting for our projects to begin more than 2 weeks after the closing is not an unusual practice. It is stunning they caused all of this problem and have no offer to assist.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX
Consumer complaint received 2020-11-09
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: ARVEST BANK GROUP, INC. (AR)

There was a stop payment placed on a joint checking account with my wife and I. She paid off a credit card from XXXX XXXX. They continued to draft auto payments. She was told by XXXX XXXX  to place a stop payment for the amount and date ; the payments would be stopped. My wife called Arvest Bank on XXXX and spoke to the banker there. She was informed that ONLY that amount and her account would be impacted by the stop payment. 3 months later, we received a letter from XXXX saying there was a stop payment for all debits on XXXX and that my personal credit card account was 3 months behind on payments. I called XXXX and immediately made the full payment. My wife and I reached out to Arvest to discuss the error. After speaking with the manager, she explained she would review the recorded conversation. I was excited, because I knew it would be in my favor. After further investigation, the call was not recorded. I was asked to wait for my credit score to come back up and they were sorry about the inconvenience. Because, they did not hear the conversation the manager said they would not be able to do late payments dispute. I then asked her to provide my signature or my wife 's signature for the stop payment, with the disclosure and she was not able to. I explained that my wife and I were given incorrect information from their banker and she apologized and that was it. I also expressed that the XXXX credit card account was my individual account and my wife did not have authority to stop payments on my personal account.
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (GA)

I do not recognize the account named EOSCCA the amount they say I owe is {$650.00}. I have not opened any such accounts as of XXXX of 2020. I would like for this account to be removed immediately it is hurting my report and does not belong to me.
Consumer complaint received 2020-11-06
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: TRUIST FINANCIAL CORPORATION (TX)

In XXXX of 2019 Suntrust XXXX XXXX XXXX XXXX put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.
Consumer complaint received 2020-11-09
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX U.S. DEPARTMENT OF EDUCATION XXXX {$590.00} U.S. DEPARTMENT OF EDUCATION XXXX {$1600.00} XXXX XXXX XXXX {$95.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2020-11-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

I originally fell behind on my mortgage due to an illness that I had been hospitalized for twice. Then Hurricane Harvey happens which made it even worse. Flagstar Banks departments ( collections, loss mitigation, bankruptcy, and customer service ) are not communicating all of the payments that Ive made. I was originally in a bankruptcy that was denied in XXXX. I had been making payments of over {$5600.00} a month since XXXX of this year to the trustee XXXX XXXX XXXX XXXX. It was stated that the payments were made to the mortgage company ( Flagstar Bank ). We requested a hardship through them when COVID started that they stated that we could not do it because it wasnt an FHA loan, which of course it is. They told me that I had to go through loss mitigation to resolve the issue before they could grant a forbearance. I sent paperwork AND regular mortgage payments to them in the process since XXXX. They refused XXXX and XXXX they claim due to the loss mitigation process. Then, today, I was told that I was denied because I had already filed loss mitigation in the past twenty four months and that I had 14 days to appeal it. I would have never known this if I had not been reaching out to them almost everyday to follow up regarding the application. Apparently Im in active foreclosure status. The payments that I made was not applied to the account properly. Theyre claiming that the payments that I made were applied to other fees which were not posted. Of course I wasnt privy to these hidden fees theyre claiming. Im beginning to feel as though they are purposely doing this to take my home. I need help with getting this situation taken care of. I truly believe theyre not willing to help me remedy this situation so that they could take my home.
Consumer complaint received 2023-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (CO)

Under the new regulations that came into effect on XXXX XXXX, XXXX, debt collectors must send you a Notice of Debt within 5 days of their first contact with you. The notice of debt was not received and/or the original letter does not give hardly any information about the debt, does not mention that you can dispute, and does not comply with Regulation F.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 I went to my local Citibank atm in XXXX California to deposit {$2000.00} cash into my savings account via atm and the machine broke down and didnt deposit my money in my account. Citibank only credited me {$100.00} after the investigation. I want my money back.
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (WI)

There is a small debt from XXXX XXXX for {$89.00} that has been on my credit report. I never signed up foXXXX XXXX XXXX  so I over looked it not being credit literate. After going through my credit report further. I found that XXXX  XXXX charged off the debt to a debt collection company by the name of LVNV FUNDING LLC for the amount of {$110.00}. I tried to remove LVNV FUNDING LLC and XXXX  XXXX for years on all 3 Credit bureaus XXXX, XXXX and XXXX XXXX. Letting them know this is not my debt and if they can please remove it. Nothing is ever resolved and I just tried again and they have not deleted it but its posted as an open account on my credit and I would like it removed please.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This company is enabling fraudulent activity into my credit file. I called and spoke with multiple reps who refuse to remove this information. They are stating to me that I need to reach out to each company. That is not what is stated in the fair credit reporting act. Section 611 states that upon a consumer notifying the bureau of inaccurate or false information the company must conduct a reasonable investigation. It does not put the burden on the consumer. I let Equifax know about these unauthorized inquiries on my credit report from XXXX XXXX XX/XX/2020 I do not shop there, XXXX XXXX XX/XX/2020 never heard of them before, and XXXX XXXX is reporting twice on XX/XX/2020 dont know who they are either. They refuse to show me information stating that I gave authorization for these inquiries some of the reps are telling me that there is no inquiries reporting which is a lie because I called back and spoke with another rep who confirmed its presence. As I stated this company is enabling fraudulent activity into consumers information and that is a violation of my consumer rights.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.
Consumer complaint received 2020-11-09
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. (CA)

I applied for a XXXX credit card today XX/XX/20 and I was not approved due to a few accounts and inquiries reflecting badly on my credit report. I wasn't aware that these accounts were on my credit because none of them pertain to me. I did not open any of those accounts nor do I have any sort of written/verbal contract or agreement with any of those companies. I don't know who opened these accounts in my name without my permission but I have already filed a police report as well as a complaint with the CFPB in hopes of getting this resolved. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts.
Consumer complaint received 2018-02-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (ID)

A couple of months ago I contacted American Education Services and I asked them if they could work on changing my payment plan. My wife just had XXXX and we are struggling to make all of our monthly payments. They told me that I've used up all of my forbearance which was when I first got out of school during the recession. Since then I've been paying close to a $ 900+ per month for about a decade which has not been easy since I have another student loan payment of {$1200.00} with XXXX. They told me that their is nothing that they could do and that they were not willing to help me in anyway. I've tried going to other companies to see if I could consolidate my private student loans but no one out there will touch it. The other interesting little fact is after all of this time I still owe roughly what I borrowed. So I'm stuck and I've been stuck with a variable interest rate. So after that discussion I decided to cancel my auto payment which is frustrating because now it is effecting my credit score and my parents since they are co-signers. 
The last thing that AES decided to do, is this month they ended up taking money out of my bank account after I cancelled auto payments. I went and double checked to make sure on their website that I cancelled auto pay and that I removed my all of my bank account information which I did. " AES '' decided to switch it to a direct debit without my consent. This seems illegal to me. 
These Private student loans have been an absolute nightmare for me and my family. The biggest mistake in my lifetime has been borrowing money for college ( Private Student Loans ).
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Hello, I originally contacted AmeriSave Mortgage Corporation on XX/XX/2020 to arrange for a refinance of my current mortgage. That was 177 days ago and I have received numerous Closing Disclosures from them but no arrangements have been made to close the loan. I have a minimum of {$500.00} invested with them as an application fee, however, I had to pay other fees that bring the total up to more like {$800.00}. I have been communicating via phone and email with either XXXX XXXX XXXX XXXX XXXX XXXX ) the loan originator or XXXX XXXX ( XXXX XXXX ) the processor. The bottom line is that the lender is not performing. Attached is my latest Closing Disclosure.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I applied for a XXXX credit card today XX/XX/20 and I was not approved due to a few accounts and inquiries reflecting badly on my credit report. I wasn't aware that these accounts were on my credit because none of them pertain to me. I did not open any of those accounts nor do I have any sort of written/verbal contract or agreement with any of those companies. I don't know who opened these accounts in my name without my permission but I have already filed a police report as well as a complaint with the CFPB in hopes of getting this resolved. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts.
Consumer complaint received 2020-11-09
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. (CA)

I have already notified experian about account number XXXX XXXX XXXX. They refuse to remove it from my report given that I have already shown them multiple documents showing this account does not belong on my report. They keep telling me that the account is accurate and verified but I have never heard of this company nor have I owned any accounts with their creditor. I recieved a letter from another company about the same account. Two or 3 companies can not own the same debt. I am requesting documentation from experian about this account that they have reporting in my file.
Consumer complaint received 2023-04-10
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: ENCORE CAPITAL GROUP INC. (TX)

I was looking at my credit report and I saw a few things on there that wasn't correct and I reached out to the creditor on on XXXX XXXX for proof these were my debts. I requested this information to the following agencies Midland Credit Management XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Amount {$620.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Re : Acct # Ending in XXXX ( as it appears on credit report ), Amount {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$4400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Ref # XXXX, Amount {$770.00} I didn't know this was even on my credit report until I was trying to get a house loan and was denied do to theses marks on my credit report. I feel I have given them proper time to give me the items I have requested and they have failed to compile with my request of them in 30 days from my letters I have attached to each of them.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NJ)

I received a deposit to my checking account in the amout of {$4400.00}. The ONLY deposit I am anticipating to my checking account is from my income teax refund in the amount of {$15.00}, XXXX. I called M & T Bank at approximately XXXX and the lady took my account information, LEFT ME ON HOLD for an extended amount of time and I was FORCED to call M & T Bank again. I advised her that I am anticipating a deposit from my income tax in the amount of {$15000.00} and I asked her why was M & T Bank holding my funds because they only gave me part of the deposit. She had no answer and gave me no information to my account. I would like for M & T bank to give me access to my entire deposit from my income tax returns effective immediately.
Consumer complaint received 2022-12-14
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. (VA)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX