davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
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. (CO)

XXXX  ; Experian and XXXX  should not be reporting each inquiry listed below as a separate line item on the following accounts : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; AND  XXXX XXXX XXXX XXXX.  These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loans. All of these inquiries are of like kind. They are not separate, individual entities. These inquiries were created during a mortgage shopping window and should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

InXX/XX/XXXX the property was purchased for $ XXXX and in XX/XX/XXXXa $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX, but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Santander Consumer USA Holdings Inc. (AZ)

Opened loan XX/XX/XXXX. I was hit by a car & my truck was totaled. I had full coverage through the General & GAP insurance. The company submitted additional charges after settlement of claim. Since XXXX to current this has effected my credit. In XX/XX/XXXX a representative agreed with the fault of the company & received approval to wipe the {$480.00} debt also correct the late payments shown. They did a charge off ( instead of paid ) of my past due without correcting the history, as well. I have been in touch with company enough times to hear anymore lies. Im curious how one phone call after 2.5 years got them to charge off? 
I have a recording of the phone call with representative explains what outcome was & my agreement to the results. 
I am going to report to everything possible. Might as well, if they are going to harm credit for years. Thank you for your time.
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES (IA)

Sent tax statement to Land Home Financial Services. Company provided me with an escrow analysis. Escrow analysis was done incorrectly and taxes were added twice onto the statement. I called and finally got through to someone who understood the analysis was not correct. New analysis was sent to me a month later. Our mortgage is due on XX/XX/XXXX and they still have the incorrect amount due. Called and spoke with several supervisors and they say they cant un-do this and that I must pay the incorrect amount which is {$2300.00}. The actual payment I should owe is {$1700.00}. When I asked the supervisor why I should pay an amount that I dont owe and that was XXXX XXXX XXXX error, her response was, Im sorry, theres nothing I can do. This is absolutely unacceptable. I will not pay an amount that I do not owe because of their error. The staff are extremely incompetent and lack knowledge of their positions.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

Hello, I have a complaint against the 3 credit bureaus- Transunion , XXXX XXXX XXXX . I work in the XXXX XXXX as an XXXXr so I see credit report 's all day long and the credit scores are all over the board. I obviously can not give out names or SS # s to show you examples but my own credit report would be a good example. I have had a perfect credit history for past 3 years and before that I had 2 X 30 day lates. I check XXXX XXXX almost daily to view my report. After viewing my credit scores yesterday, one bureau dropped 70 points because my 3 different accounts increased by no more than 120 a piece and that is not over the credit limit either. How can the scores vary so much? I have also seen where people with new credit, less than 12 months and only 1 tradeline have scores over 700. How is that?

Something is totally wrong with this system and it needs to be addressed. It's so frustrating to watch my scores go up by a few points then just sky rocket down, it's not right especially when I have worked so hard at keeping everything paid on time.

Please advise on how to get this corrected. I am sure that I am not the only person that feels this frustration.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (FL)

Fortiva credit cards charges large upfront and then monthly fees ( typically {$99.00} to open a {$500.00} credit limit card, then {$12.00} per month XXXX. They offer a website on which to manage a customer 's account. That website displays the customer 's available credit, which is frequently UNTRUE. They will close the account on the 90th day of no purchase activity ( which presumably is buried deep in the fine print of their customer agreement but still display the full available credit amount, presumably to mislead the customer into paying more fees. When the customer tries to use the card for an amount much smaller than the available credit displaying on the website, it is declined for ANY amount. They then blame this on " unexpected computer errors. '' CFPB should not permit credit card companies like Fortiva to continually treat customers this way and hide behind " computer errors. '' Employees of Fortiva ( or their third party partners XXXX program this software and it is entirely within their control to fix it.
Consumer complaint received 2017-09-24
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. (MD)

Account was paid ; however, tradeline have n't been removed by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX according to our agreement.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITYBANK/VICTORIA SECRET. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

It was the scamer fraud before I didnt know it, when I did the wire transfer, so on XXXX I did ask the TDBank, XXXX XXXX  and XXXX  XXXX XXXX to credit me back, but did not do it for me!
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  ; XXXX  and Transunion should not be reporting each inquiry listed below as a separate line item on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXXXXXX XXXX XXXX XXXX. These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loans. All of these inquiries are of like kind. They are not separate, individual entities. These inquiries were created during a mortgage shopping window and should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I entered into a loan modification agreement with The XXXX XXXX in XXXX to get the payments reduced. They approved the agreement and gave me a temporary new payment amount to make for a trial period of 4 months. I never missed a payment during this trial period, all payments however were made to The XXXX XXXX XXXX XXXX Department and not through the same channel as my regular payments were made. 

Once the trial period was completed and the new payment amount became the new final payment amount, then I started making payments again through the online portal and the account showed current starting in XXXX. However, they never went back and corrected or removed the 4 months of late payments that show now on my credit report which aren't true because I did make the payments. They told me that once the agreement was finalized that the account would show corrected and current. They never told me that it would forever show that I missed 4 months of payments. Now I'm unable to refinance my home ever again because of these late payments showing even though I've now paid off all other debt except my home. My credit still shows as poor to fair.
Consumer complaint received 2021-08-18
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. (NJ)

This is my third time asking company to re-investigate my credit report they have not respond to me with any updates on removing inaccurate information off my credit report i have certified documents that prove that there investigation has took well over 30days. they use stall tactics to try and not investigate my issues. this is XXXX XXXX i am submitting this complaint on my own behalf
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

Equifax had a security breach in which many people has personal information stolen. I was one of these people and this could be considered the released on personal information without my consent. This information being made public can cause problems in the long term, including identity theft which could damage my credit score and finances. Even is no identity theft occurs, private information being made public without the permission of the individual is unethical and violates our liberties. Please look at all the facts regarding the Equifax case and ensure that victims see justice.
Consumer complaint received 2022-07-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: PENTAGON FEDERAL CREDIT UNION (KY)

I am reporting this complaint for my mother XXXX XXXX. XXXX is XXXX XXXX XXXX and lives in her own home at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX In late XX/XX/XXXX thru XX/XX/XXXX she was contacted many times my XXXX XXXX. They contacted her to try to sell her a money making internet business. She was told she would make hundreds of dollars a day. XXXX has a computer, and has learned to look at her e mail, but has not learned any other computer skills. XXXX XXXX told her it was not necessary, that she could pay them $ XXXX and they would help her get money deposited directly to her bank account. XXXX is on social security and has a reverse mortgage on her home. They referred her to Pentagon Federal Credit Union for a loan that they gave her over the phone with an e mailed electronic signature. She send me all the documents that she had on her XXXX mails and I can find no loan documents. She paid XXXX XXXX {$5.00} k on XX/XX/XXXX from her debit account. Pentagon Federal Credit Union deposited $ XXXX into her debit account at XXXX XXXX XXXX on XX/XX/XXXX, she then wrote a check from that to XXXX XXXX XXXX on XX/XX/XXXX. 
I contacted XXXX XXXX for and refund and was denied. I will continue to try to get that back. I have reported to FBI, BBB, & FTC, and am reaching out to all agencies that might be able to help. 
I disagree with PENFED for loaning this amount over the phone to an elderly woman without asking any questions. I do not know how she will pay them back.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Basically back on XX/XX/XXXX and XXXX someone hacked my account and sent them self self payments over {$2500.00} the bank pretty much accuse me of giving someone my account information Im not sure if Im gon na get my funds back. Now they are cancel my account and not allowing get a new account with
Consumer complaint received 2020-12-09
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-09-24
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. (NC)

I have been disputing the consumer credit reporting agency, TransUnion for 20 months. I have sent affidavits, police reports, certified compliant/demand letters to TransUnion. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that TransUnion added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. My last certified letter that I sent TransUnion was on XXXX XXXX 2017 and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.
Consumer complaint received 2021-04-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

My spouse and I jointly entered into a mortgage agreement ( VA LOAN ) with me being the veteran. The loan closed XX/XX/XXXX with XXXXXXXX XXXX We have faithfully paid payments on time. As of XXXX XX/XX/XXXX, XXXX XXXX has given our loan over to LOANCARE LLC " on behalf of XXXX XXXX XXXX. Doing business with LOANCARE has went as follows : The XX/XX/XXXX payment to LOANCARE has been a nightmare. Because of several bad issues that we endured from XXXX XXXX we changed our bank to XXXX XXXX. Via XXXX XXXX bill pay option, I initiated the mortgage payment to LOANCARE on XXXX XX/XX/XXXX. Unknowingly, XXXX XXXX was not yet aligned to do electronic payments to LOANCARE and they mailed a physical check to LOANCARE on XXXX XX/XX/XXXX. I kept checking the LOANCARE online account to see is the payment posted and as of XXXX XX/XX/XXXX it had not. I called MULTIPLE times ( XXXX ) and have never been able to get a human being on the phone. It is an automated system that is impossible. I contacted LOANCARE via their online account service MULTIPLE times and finally got a call from " XXXX '' ( LOANCARE representative ) who told me the check was not received as of XXXX XX/XX/XXXX. I informed XXXX that I would have it cancelled and I paid additional money to have an expedited electronic payment sent to LOANCARE on XXXX XX/XX/XXXX with XXXX XXXX has confirmed they received on that date. LOANCARE has posted my payment being received XXXX XX/XX/XXXX. According to LOANCARE guidelines, any payments received after the XXXX initiates a late payment fee. To my knowledge a late payment fee has not been assessed but I firmly believe LOANCARE will at some point impose one although the payments was received by them XXXX XX/XX/XXXX. We have never had a problem with any company before receiving payments on time. I have been made aware that LOANCARE has been sued multiple times for imposing false late fees/penalties and other items on customers. I filed a complaint with the XXXX XXXX XXXX in vain. The XXXX  from what I understand is paid by companies to represent them and they by no means help the customer ; they are basically a big complaint receiving department. 

I am very concerned that LOANCARE is going to ruin us financially. If they continue to " not receive '' payments and/or post them late I will eventually lose my home, my credit score, and from there, financial death. This is a grave concern. 

XXXXXXXX XXXX, from what I understand still owns our VA home loan and simply refuse to help me get reassigned from LOANCARE to a reputable company. A LOANCARE representative who identifies herself as XXXX keeps calling at times I can not take a call and leaves the number XXXX and I am also unable to get a human on this number. 

This is a complete NIGHTMARE! To be placed in business with a very dishonest and disreputable company that you can never talk to and I have expressed to the XXXX I would prefer to have answers back via writing because verbal conversations don't hold up in court. I well image that is where this is headed.
Consumer complaint received 2017-09-24
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: ERC (MD)

Account was paid in full ; however, Enhanced Recovery/XXXX never followed through with the removal of tradeline in exchange for full payment. According to the The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ). These two companies must be accountable not using the fear tactics debt collectors are known for applying.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

From XXXX to present date my account has been in deferment status yet my account has been reported as delinquent ( 30, 60, and 120 days past due ) on numerous occasions although it has continuously been deferment status. In addition, a remark was removed ( Fixed Rate ) in XX/XX/XXXX. All of which adversely affected my credit scores by upward of XXXX points form XX/XX/XXXX to present date.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have had several credit cards closed by issuers within the last 3 months. 
Ive had one business Capitol one card closed shortly after being granted and two secured cards cut off by Capitol one which were personal and none of the cards had late payments or any other problems. Yesterday my XXXX XXXX was closed and am being told due to regulatory reasons it was justified. 
Somehow I am being blacklisted by commercial banks but my credit union cards have not been bothered. I need to know whats going on and why are these cards being closed by issuers even when I have no Late payments or balances on any of the cards
Consumer complaint received 2017-09-24
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. (LA)

Hello, I have been notified by XXXX that my information might 've been compromised by the recent hack on XXXX. I 've contacted XXXX twice to get numerous inquiries from my account deleted. I 've also sent letters to each creditor that has an inquiry listed on my credit report without any resolution. Please help me in finding a resolution with XXXX. 
XXXX apparently has an auto response for inquiries when they are disputed. It kicks them out without a thorough investigation. 

Kindest regards, XXXX XXXX