davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (RI)

To whom it may concern, In XX/XX/XXXX, I was notified by Experian of a credit score increase to XXXX. My payments are exceptional and due to the pandemic, I ensured that I paid all of my credit cards off, just in case. In XXXX, I was notified by one of my credit card companies that they were raising my credit limit and switching me from a secured to an unsecured credit card with a XXXX dollar credit limit. I assumed that such a congratulatory event would cause an increase in my credit score.  Unfortunately, they dropped it to XXXX for no reason. I assume because I was not using my credit cards at the time. I sent an inquiry and they reflected an increase in the limit on my credit card, but the score remained. 
I pay my credit cards off, whenever I use them and I don't use them unless it is needed. I find it strange that consumers are penalized for not using credit frivolously with the reporting agencies attempting to goad us into " boosting '' scores by adding utility bills. I think it's a scam and it should be investigated. I'm attempting to recover my score, after filing bankruptcy in XXXX. I have been exceptional in my payments but regardless, I am remaining in a subprime lending zone, when my behavior doesn't warrant such a position. Please investigate this, as it is unfair.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I reported the fraudulent use of my email soliciting money transfer and loans from my retirement account agent. The email hacker received IRA statements and loan forms from my agent. The hacker also impersonated a loan officer in my credit union to request and receive a voided check from me while I was in loan negotiations. Once I discovered the impersonations I set up a fraud alert prior to requesting a free credit report. I am hoping the fraud alert is preventing my request for a copy of my credit report.
Consumer complaint received 2021-04-22
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Viewed my credit report and notice that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and these accounts are fraudulent and does not belong to me. This process of trying to get my life back on track is becoming overwhelming due to these negative remarks thats on my credit report. These discrepencies that are on my credit report are holding me back from moving forward so I am asking that this problem be resolved as soon as possible.
Consumer complaint received 2020-06-27
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. (LA)

XXXX-2020 - I had noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, and Equifax. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies not even yet man. Signature and Attached legible SSc and id as well This insane it has ben over 34 days!!!!
Consumer complaint received 2020-07-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC (AR)

I was furloughed due to the pandemic, i have been trying to reach my mortgage company. I was hoping that they would work with me. I have emailed, called ( XXXX XXXX ) the 800 number and any numbrs on their website many times left messages and They do not respond in any way! Very frustrated as time to make my mortgage payment nears. This has always been the case with this comp should never have refinanced with them! Was extremely happy with Rocket mortgage.Its very hard to get a hold of anyone if i have questions or concerns. Yet they are quick to remind me of my approaching payment by text! Anyone reading this please do not trust Village Capital with your mortgage.
Consumer complaint received 2019-05-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Reliable Credit Association, Inc. (WA)

I leased a car and obtained a loan through Reliable Credit. 
I believe the lease amount was {$6000.00}. 
My car was repossessed at my place of employment about 5 months after purchase. I missed a payment of {$290.00} and was unable to make payment arrangements with the company. 
The car was repossessed and sold but my balance left owing was {$4400.00}. They never informed me of the profit amount they made on the car and it looks like the car was sold completely under value leaving me with a balance. Ive tried to dispute this amount and Ive sent numerous letters requesting that they send me information on the loan and the sell and still have not received anything. 

Within the last year or two Ive contacted their company more than 5 times requesting information and all theyve done is report back to the credit bureaus that the information they have on file is accurate.
Consumer complaint received 2018-06-12
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. (PA)

on XX/XX/2018 I opened disputes of debt validation with all 3 credit reporting agencies. Equifax, XXXX, and XXXX. Equifax and XXXX have not provided me with any proof of validation for the student loans reporting from XXXX, XXXX, XXXX etc. These loans showed {$0.00} paid, closed, and paying on time. After the inquiry of dispute, XXXX and Equifax tripled the summary balance of amount owed and have yet to provide me with any documentation of validation for doing so. I have been on an IBR payment plan where all loans were consolidated and all payments were made on time.
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I was scammed by someone. I wired money to an account at XXXX XXXX thinking that it was to purchase a watch but turned out to be fraud. I bank with chase. Chase refuses to write a letter of indemnity so XXXX can wire back the funds that were part of a scam. XXXX is willing to send me back the remaining funds due to fraud but chase refuses to send letter of indemnity stating that I sent the money that it wasn't taken form my account. This is still a scam and an act of fraud. I have tried contacting chase multiple times and they will not send letter.My money is still with XXXX as we speak and I am not getting my funds returned. XXXX has a policy that they will only accept letters of indemnity from another bank, but in this case my bank will not write it. Please help
Consumer complaint received 2020-07-13
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. (AR)

This is the first time ihave had identity theft. Im not sure the reason behind this, but i pulled my credit report and these are a couple of fraudulent accounts that do not belong to me. I have alread y submitted a request to get these things removed. Someone is using my identity without my consent. Please remove these items as soon as possible.
Consumer complaint received 2018-02-12
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. (MO)

After several attempts to have inquiries, collection accounts and a bankruptcy removed from my credit file I did some further research regarding my Equifax credit file and find that my personal information was breached.
Consumer complaint received 2018-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pinnacle Credit Services, LLC (GA)

I've sent letters to this company and have not heard back. After having my credit report pulled, I found that they have a debt listed that does not belong to me. I've never had an account with XXXX. I've been a XXXX customer for years. Matter of fact, when I recently tried to switch to XXXX, they gave me two brand new XXXX with no money down. If I had issues with them, I believe they would have noticed a previous account. ( I ended up returning the devices within the week, after deciding to stay with XXXX ). This was in XX/XX/XXXX. This account on my credit shows that it was reported on XX/XX/XXXX The fact that they have not tried to resolve this is causing me extreme financial distress. I want this account removed off all three of my credit reports immediately.
Consumer complaint received 2018-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have requested several times for XXXX XXXX XXXX to be removed from my credit, they are reporting 9 missed payments, which is incorrect. The debt was settled and no balance is due on account. CFPB has the letter on file from XXXX. I opened a dispute on XX/XX/2018 and have not received the results from the investigation. I mailed a letter to them after several attempts to get them to remove this from my credit report. It's been well over 30 days and no results.
Consumer complaint received 2016-08-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

I filed a dispute with Experian disputing XXXX XXXX. This creditor has been on my credit report since 2008 according to XXXX XXXX. But I never applied for a credit card with this company. Also, I am within guidelines to request the removal of this old creditor and Experian has refused to remove it. I am again requesting for XXXX XXXX, account number XXXX to please immediately be removed from my Experian credit report.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

The Car company ran my credit without my permission. I already got my credit ran from my credit union and a pre-approval letter given to me by my personal banker for me to purchased the car on XXXX XXXX. They still proceeded to run my credit through multiple finance companies after i had showed them the approval letter of the amount that my credit union would give me including the apr rate. The amount the credit union approved me of was XXXX. No action was taken by them yet on the inquiries they put on my credit report.
Consumer complaint received 2020-07-13
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible
Consumer complaint received 2020-07-13
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible
Consumer complaint received 2018-06-12
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. (FL)

I have disputed an address about 5 times that it does not belong to me. Equifax employees have told me it will be deleted 100 %. There is not account of mine that reports that address. XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-02-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Adjustment Company Incorporated (NY)

I received a text message to my cell phone from a company called CACi saying that they are a debt collector. They want me to reply to receive my account information which I don't want to do in case it's a scammer. I think that if a debt collector is using a method of texting people instead of sending letters or calling them, they may be in violation of the FDCPA as it's harassing.
Consumer complaint received 2019-05-14
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: EQUIFAX, INC. (CA)

many inaccurate accounts such as ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are reporting under my equifax credit reports, i have been disputing these many fraud and inaccurate accounts for the longest times, but equifax has not been helpful at all, they either do not dispute it or they provide a false confirmation numbers, please as consumer i need your help in order to have these accounts removed from my equifax credit reports thank you
Consumer complaint received 2019-05-14
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: DISCOVER BANK (FL)

To Whom It May Concern : I recently obtained a copy of my credit report from XXXX, and it indicated that a credit inquiry was made by Discover on XX/XX/2019 on XXXX. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this fraudulent inquiry and have it removed from my credit report. I have contacted Discover several times and they arent willing to assist because they do not have a record of the hard credit inquiry in their files and refuse to assist me and will not follow up with XXXX to report I did not authorize the hard inquiry on XX/XX/2019. 
Please have this inquiry removed from my credit report, as it will have a negative effect on my loan applications and my acquisition of credit in the near future. 
I have sent this letter via certified mail to Discover Credit Operations as it requires their prompt attention and response. Conversely, Discover has refused to provide documentation to support that my authorization was in fact obtained for making this hard credit inquiry on XX/XX/2019. I would appreciate your assistance since I also have had an identity theft victim fraud consumer alert since last year and a consumer a statement that says to always call me prior extending or applying for credit under my name. With that said Discover did not comply with the instructions from my consumer statement and I did not receive a call from Discover and they are not willing to assist me. 

Thank you for your prompt assistance. 
Sincerely,
Consumer complaint received 2020-07-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SAMC Honebee TRS, LLC (AL)

I currently have my mortgage with GMFS, serviced by XXXX XXXX XXXX XXXX. I have had continuous problems over the past several months. On XX/XX/2020 I inquired through their web portal about any assistance being offered during the COVID-19 pandemic. I received a response back on XX/XX/2020 advising me of the terms and conditions of a forbearance program and that my account may be eligible. After reviewing the terms and conditions I responded back via the web portal on XX/XX/2020 advising I would not be interested in taking advantage of the forbearance. On XX/XX/2020 I received a response from XXXX XXXX XXXX advising a request had been put in to stop the forbearance. 
I made my payment as scheduled for XXXX ; however, I received a robocall within a couple of days advising my forbearance had been approved. I signed on and noticed the payment I made did not apply towards my monthly payments ; however, to unidentified funds. I sent yet another response on XX/XX/2020 advising them I declined the forbearance and I would like my payment corrected. On XX/XX/XXXX I received a response back stating the cancellation was put in on XX/XX/XXXX for forbearance and that my payment would be applied correctly. Keep in mind, I never authorized this forbearance. At this point I assumed all would be well. The exact same thing happened for XXXX and XXXX. After speaking with a supervisor ( I do not remember the date ) I was advised my account did go through the full three months of forbearance ; however, all payments were posted accordingly. I did have to write in and/or call every month to have my payments corrected. It got so bad that I had one associate tell me over the phone that I had only made a partial payment. All of this was eventually straightened out. After all this is said and done, I now have a forbearance on my record with this company and that is not fair. I specifically said I do not want it. Also, I have tried to set up ACH for the past two months. To this day, I keep getting denial letters for ACH because my account is in " Forbearance ''. Once again, this is unfair, as I now don't have something available to me that other customers have available to them, especially when the account should have never been in forbearance. I have spoken with two associates regarding this and they could not give me a reason as to why the ACH is getting kicked back for forbearance. The management team does not make themselves readily available for escalated situations rather you have to wait on them to call you whenever they have free time. 
I feel as though I am stuck. I can not easily go out and refinance my house as that usually cost a nice chunk of money out of pocket ; therefore, I have to be subjected to the poor service and having things on my record I didn't ask for.
Consumer complaint received 2019-05-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

XX/XX/2019 - Called and threatened to arrest me at my job, also told me to go XXXX XXXX XXXX myself. I attempted to offer a reasonable repayment plan and was told to XXXX XXXXf.
Consumer complaint received 2020-05-09
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: Continental Finance Company, LLC (LA)

My card was comprised in XX/XX/2019. I called the credit card company and they would never cancel the card. I kept getting late fees and continued to get charges. I paid all the late fees and charges because it was negatively affecting my credit. I had the old card closed and a new one was to be reissued. I have not gotten the new card because I told them I dont want it. Even though, they issued a new number, and now the same thing has happened again. The new card is now comprised. The credit card company hangs up on me when I call about the pending transactions, and the only suggestion they have is to reissue a new card. 
Representative act like they cant hear you and hang up. 
This is a Continent Finance Card, and their customer service is not helpful at all. One representative said the transaction was on the old card and another said it was in the new card that hasnt been issued.
Consumer complaint received 2019-05-14
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: EQUIFAX, INC. (CA)

many inaccurate accounts such as ( XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) are reporting under my equifax credit reports, i have been disputing these many fraud and inaccurate accounts for the longest times, but equifax has not been helpful at all, they either do not dispute it or they provide a false confirmation numbers, please as consumer i need your help in order to have these accounts removed from my equifax credit reports thank you
Consumer complaint received 2021-02-26
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The Law Offices of Mitchell D. Bluhm & Associates (NE)

A man called from XXXX XXXX XXXX on Friday XX/XX/2021, at XXXX stating he was from the Law Office of Mitchell D. Bluhm and Associates , LLC to speak about a personal matter. The man requested to verify my date of birth and last four of my social security number. He stated them as they were listed in his records to me. I stated that I would not be giving any information until I knew exactly what the personal matter was for as I had already mailed a request for validation of the debt they claim I owe. I sent a letter on XX/XX/2021 requesting a validation of the debt they claim I owe to them. I specifically stated in my letter to cease and desist all communication until I had received information back from the office and for 30 days after to review the information. I have not received any information nor the return receipt that I sent with my request. I requested VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. According to my rights the Law Office of Mitchell D. Bluhm and Associates, LLC has violated the Fair Debt Collection Practices Act and Defamation of Character.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CA)

I am filing this complaint because Chase decreased my credit limit for no reason on both of my credit cards which in turn killed my credit score! I was carrying a balance of not more than 25 % percent of my credit limit on both my chase sapphire reserve card ending in XXXX, as well as my chase southwest card ending in XXXX. Chase lowered the limit on both of these cards to my balance, bringing my utilization to almost 100 % on both cards, lowering my credit score over XXXX points and hindering me from doing anything with my credit! Especially in times like these with the covid-19 situation I need my credit back the way it was in case I need it for anything.