davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
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. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$5800.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$2500.00}.
Consumer complaint received 2018-11-05
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. (SD)

XXXX XXXX contacted me regarding a past due balance for a credit card that they claimed was mine. They then demanded my personal information to " Validate '' the account. I was then informed that the information that they had on record did not match mine and that the account would be closed and processed as fraud. I have had XXXX XXXX showing on my credit report as " Closed '' with a past due balance of {$1300.00}. I have contacted them every single month since XXXX of XX/XX/XXXX and they still are illegally reporting this as a closed account with a negative balance.
Consumer complaint received 2019-08-23
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 (FL)

i'm disputing a hard inquiry which appears on XX/XX/2019 by Capital one on my credit report. After unsuccessfully contacting Capital One i was told that to contact the three credit bureau cause they didn't recognize any such error in their part.i did so however i not see any positive outcome yet.
Consumer complaint received 2022-01-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The amount is XXXX but there are others which were misapplied.They are taking money and paying down principal where they are not supposed to do it.I have a linked account in the bank there to make auto payments to pay the mortgage. They keep varying the mtg payment amount and either overcharging or undercharging me on a regular basis. We have made many phone calls to BOA and have been unsuccessful in resolving this issue with BOA.
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (WA)

XXXX sent the account to Afni and they NEVER contacted me to inform they hold the debt, They never tried to give me an opportunity to settle. I ended up calling and tried to settle. 

This account is in complete dispute and can be resolved. When I switched to XXXX from the previous carrier I was mislead and out right lied to by the store rep. I later learned that the initial store rep was discharged for similarly misleading switching customers. We were not informed many financial necessities that should have been properly disclosed. Instead we were told that XXXX would take care of some charges. 

I made an offer for a settlement, and they refused.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

I have applied a Chase XXXX XXXX card by using the online portal of Chase. I have clearly read the terms and conditions ( price and terms ) before apply the card and its clearly mentioned like " 0 % Intro APR for the first 12 months that your Account is open. 
After that, 17.99 % to 24.99 %, based on your creditworthiness. 
These APRs will vary with the market based on the Prime Rate ''. After I have applied they approved my card with APR of 21.99 % and they didn't provide me the promotional APR which mentioned in online. I have contacted Chase customer care immediately and they " that was a computer mistake, you will get 0 % APR, please wait 2 or 3 days '' but didn't get that. So, I have contacted again, and went to Chase branch to rectify the issue ( showed them the document which I have downloaded from online, and also showed them the Chase online website, sent the screenshot ) but they are now saying " I have applied the application with APR, and they are unable to change anything ''. 

Logically : if its showing APR in price and terms, I wouldn't have apply the card. Also my friend which referred me have the 0 % APR. 

This is completely misleading a customer like me. Please review it.
Consumer complaint received 2018-03-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: WELLS FARGO & COMPANY (FL)

. Aloha. My name iz XXXX XXXX, i waz seeking guidance about particular loanz on the live. chat option of the personal. loan section of the Wells Fargo website. with an. agent named " XXXX '' when he terminated. the chat. claiming .that. 'due. 2. the. nature of this conversation ' he could no longer " proceed ''. i am filing this complaint 2 affirm. that. my wordz were relative 2. subject and. that. the representative discriminated against me based on. my income. status. Furthermore, when. the chat. waz unceremoniously cut short, the option 2 'rate. this experience ' ( i.e. " did 'XXXX XXXX answer my question ) - Waz malfunctioning. This waz a very. serious. setback for my. company and haz compounded both the problematic nature of approaching a lender and. maintaining a sense of dignity at. the. same. time. i will appreciate. the response you would prepare for me and. am reachable @ XXXX.... XXXX.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent out at least 2-3 letter asking the 3 credit bureaus to verify and investigate the Bankruptcy they say is accurate and has been verified on my credit report. I have not gotten any factual proof of their investigation, yet they continue to report.
Consumer complaint received 2020-01-28
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: CAVALRY INVESTMENTS, LLC (FL)

THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

This is my third formal request regarding my ongoing grievances. Despite my repeated appeals, I have yet to receive my personal credit report from EQUIFAX. Regrettably, they have persistently denied my request and withheld my credit information. To substantiate my claim, I have enclosed a duplicate of the letter I previously dispatched to the credit bureau, explicitly requesting my credit report. Furthermore, I have included supporting documentation, such as copies of my personal identification, to strengthen my case.
Consumer complaint received 2022-09-15
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. (OH)

Ive noticed some unauthorized inquiries and account on my credit report, According to the ( FCRA ) these are unverified and unauthorized items and I would like them to be removed from my credit report. 

Inquiry : XXXX XXXX BANK XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX BANK XXXX DATE : XXXX XXXX, XXXX Inquiry : XXXX XXXX DATE : XXXX XXXX, XXXX Account : XXXX XXXX DATE : XX/XX/XXXX XXXX
Consumer complaint received 2019-08-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC (CA)

XX/XX/XXXX - LoanMe Flagged my Payment for 30 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - LoanMe Flagged my Payment for 60 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - Called Loan Me and told them what had happened. Still was unable to charge my card. 

They left out the last conversation I had with them and lied about our last conversation. The line was recorded and I remand you ask LoanMe for a recording of our last conversation where they would not accept my payment due to their inability to process the payment with my bank.
Consumer complaint received 2020-01-27
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Kohls asked for a settlement and stated that they would remove the debt from my account if I paid a certain amount ... when I called after paying they said there was nothing they could do ... They mislead me and started over the ages account which was over 5 years old
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: MoneyLion Inc. (MN)

MoneyLion is a scam. I had gotten approved for a {$500.00} dollar loan, to build my credit, I also had an investment account with them, they wont allow me to even pull my money from this account. Ive Been paying my loan and they emailed me saying I havent and I owe {$80.00} dollars and if I dont pay the XXXX they will charge me {$200.00}, I only have XXXX left on my loan..and Ive been paying XXXX dollars every other week. So I dont get how I owe them that much. I even have proof showing Ive been paying them. Many people have complained about them!!!
Consumer complaint received 2019-08-23
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. (CO)

Both XXXX  and TransUnion have an account on my report for medical bills that were after my bankruptcy, I had Medicaid after my bankruptcy so I had no bills. I have disputed this with them multiple times, I even paid XXXX their {$1.00} so that I could have more detail and now my account says theirs a lock on it and I have to pay {$48.00} and I can even see my credit report, trans union says the medical bills are correct but I know there not as I had Medicaid and was never sent any bills for medical expenses.
Consumer complaint received 2018-03-31
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

FRADULENT ACCOUNTS HAVE NOT BEEN REMOVE FROM MY CREDIT REPORT. 
I DISPUTED IT, BUT ALL THEY DID WAS UP DATE IT. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$5800.00}
Consumer complaint received 2020-05-07
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)

Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the repor. The things I have listed on this application are not mine. Please remove these items from my report.
Consumer complaint received 2018-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

This a a follow up from my last complaint because the company completely disregarded the main issue and request with that complaint. To be clear, this is NOT a request to cancel PMI on my loan. Please do not reply by telling that I am not eligible for cancellation because this is NOT what I am requesting. I am repeating my complaint from last time because it was disregarded. 

On XX/XX/XXXX, I received my annual PMI disclosure notice from my mortgagor, SPS Servicing, along with my mortgage interest statement. The disclosure properly contained a notice under the Homeowners Protection Act of 1998, that PMI should be cancelled on my account on or after either of the following : ( 1 ) the date the principal balance of your loan is first scheduled to reach 80 % regardless of the current balance or ( 2 ) the date the principal balance of the loan actually reaches 80 %. When I called SPS tonight to acquire about ( 1 ), I was given false and misleading information. I told the customer rep that under the terms of my original loan agreement, that the scheduled date should have occurred 7 years after I first signed my mortgage in XX/XX/XXXX. She first said that they can't give me a date when the loan was scheduled to reach 80 %. She told me that I just have to wait until it actually reaches 80 %. When I told her that her statement contradicted by the notice I received from SPS and also was in violation of the law, she then actually pulled up the actual notice that was given to me so that she could see that the statement she provided over the phone was in error. She then said that because I had modified my loan, then they can't give me a date. I told her that the loan modification doesn't eliminate SPS ' requirement to follow the law and abide by and provide an amortization schedule of when the loan is scheduled to reach 80 % of the balance. The entire time the representative was talking to me, she was also getting guidance from a supervisor. This tells me that both your regular and management employees are poorly trained and not knowledgeable about important laws impacting your business. 

THIS IS A REQUEST FOR SPS TO ABIDE BY THE LAW AND TELL ME WHEN MY LOAN WAS SCHEDULED TO REACH 80 %. THIS IS NOT A REQUEST TO CANCEL PMI. PLEASE TELL ME WHEN MY LOAN WAS SCHEDULED TO REACH 80 % PURSUANT TO THE HOMEOWNERS PROTECTION ACT OF 1988.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX XXXX XXXX XXXX card had been hacked. Someone fraudulently stole a total amount of {$800.00} out of my card account. 
On XX/XX/XXXX, an ATM withdrawal of {$300.00} was fraudulently taken. Then, on XX/XX/XXXX, an ATM withdrawal of {$500.00} was taken out of my account. 
I opened up a claim with Bank of America. Bank of America have denied my claim. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my husband of 12 years has to pay the bills, do the grocery shopping and withdraws money from my account to make our purchases so we can live. My husband and I are the only ones who has access to my account and know my pin number by memory. My husband is my official caregiver. 
That money that was stolen from me was supposed to pay two very important bills that I yet to pay because I don't have the money now to pay it. 
I have made a Police Report and obtained the Police Reports transaction no : XXXX. 
B of A claim no : XXXX. 
I am filing a complaint with Bank of America to please refund my money of {$800.00}. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (VA)

XXXX XXXX XXXX cards and XXXX XXXX XXXX XXXX   Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXXto XX/XX/XXXX and they were aware.

Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, I was on chat and the representative agreed to delete my late payments per me being laid off during the times and my husband death.

Car Loan : ACCOUNT NUMBER XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Can you please contact all 3 credit bureaus to have this removed and a new report sent to me.

Also on all three credit bureaus Navient and XXXX reported me late on XX/XX/XXXXto XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX but my loans were in deferment and forbearance they lost paperwork and per them failing to update previous info., they are in violation of Section 623 ( a ) 2 ) of the FCRA . I have contacted them on 4 seperate occasions. I would like those late deleted.

Also, I would like the original signed copy of every loan that is on my report if this can not be provided, remove all of all credit reports.

Thus I am filing this with every credit bureau and need you assistance because the credit bureaus have ignored my request on 4 occasions and have failed to supply requested documents or verify within the 30 days time frame. 



Thank You
Consumer complaint received 2019-08-23
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2022-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MD)

In regards to the " Annual Escrow Analysis '' Quicken Loans aka Rocket Mortgage is conducting an escrow analysis every 6 months on my mortgage versus an annual review. My mortgage analysis was performed annually from the closing date of XX/XX/XXXX to XX/XX/XXXX, which resulted in an increase. Today ( XX/XX/XXXX ), Quicken/Rocket has notified than another escrow analysis has been conducted, which will be resulting in an additional increase. Further, an additional analysis will be done in XX/XX/XXXX ( approx 6.5 - 7 months ), resulting in 3 escrow analyses. THIS is UNACCEPTABLE!! 

When I called Quicken/Rocket twice today, two separate agents in the escrow department attempted to justify the semi-annual analyses stating that the state of MD requires annual analysis to be done in XXXX of each year vice the anniversary date of my loan closing. It is no logical way that all mortgage holding residents in Maryland have the same escrow analysis month AND your website ( XXXX XXXX XXXX XXXX XXXX XXXX  ) Escrow Accounts ) confirms it is an ANNUAL analysis unless 3 scenarios apply, which Quicken/Rocket has not indicated that either applies to my mortgage.
Consumer complaint received 2019-08-23
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: AMERICAN EXPRESS COMPANY (CA)

{$210.00} was taken from my account for purchases I did not authorized I didnt realize my account funds were negative until I try to pay a bill and my card declined on XX/XX/2019 I called my bank to report and cancel card I filed a policereport and a identity theft complaint with the ftc I submitted my documents to American Express serve XXXX XXXX and they credited one charge for {$36.00} but denied any credit to my account with no explanation why when I call the fraud team the agent could not explain reason and transfer me to the regular customer service line that does not offer help with fraud I'm very frustrated I filed all legal documents and I'm denied my money back.
Consumer complaint received 2019-08-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CHALLENGE FINANCIAL SERVICES (CA)

The company name is challenge financial services my car was towed and I called the financial services so they would take the car out I didnt have money to pay back so thy took the car I didnt have the car then they wanted me to pay back a balance of {$2500.00} I was not making enough money to pay back so I didnt pay it back this was back XX/XX/2008 and now Im on XXXX and they are going to garnished my XXXX check and I can not afford to pay my bills and now is worse with the garnished of my check