davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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: Experian Information Solutions Inc. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

In XXXX, I had a contractor come out to the house to give me a quote on fixing the roof. We had some damage to the ceiling, and wanted the roof fixed before having the interior fixed. After examining the roof, the contractor said we needed a whole new roof and recommended we file an insurance claim since the damage had caused by weather. I filed a claim with my insurance company, XXXX XXXX XXXX, and had the contractor schedule us for the new roof, since we did not want to take the chance of further damage to the interior. XXXX XXXX processed our claim quickly, dispatched an adjuster, and processed the claim. In the meantime, our contractor put on a new roof. When the claims check arrived, in addition to me, the check was also made out to XXXX XXXX XXXX and Huntington Mortgage, the lenders. I understand why they were included. XXXX XXXX XXXX was most gracious and was quickly able to arrange for endorsement of the check. Huntington, quite simple, is terrible. When I called, I was told they had MAIL me a packet of information that I had to complete, and that would take 7 days for me to receive. It actually took XXXX. What I received was a letter telling me they were n't going to pay for the roof ( WHAT? ) along with instructions to MAIL the insurance check, unendorsed, something else, and an affadavit that was supposed to be enclosed ( it was n't ). I immediate called them and, of course, got no one and had to leave a message. I 'm sure it will be next week if anyone returns my call at all. Surely, there must be, if not a law at least a rule against a bank holding my claims check hostage?
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have contacted Transunion multiple times over the last 5 months. Whenever I try to get the security freeze lifted, Im unsuccessful. I should be able to do this online but it hasnt worked in 5 months. I then have to call and ask a rep to lift freeze for me and they usually give me a hard time advising that I should do it online. I also cant file disputes related to inaccurate reporting online with Transunion for the same reason. Ive been told that someone will call me back and they never do. They transfer me to someone overseas who has trouble understanding my concerns
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

XXXX   XXXX   DID NOT GIVE PROPER FORECLOSURE NOTICE, WO N'T TELL US WHY OUR ACCT BALANCE INCREASED {$37000.00} ONCE THEY PURCHASED OUR LOAN FROM   XXXX   XXXX    XXXX  ; THEY DENIED LOAN MODIFICATIONS BASED ON INCOME THAT THEY ENTER FOR US ( WOULD N'T LET US DISPUTE THE INACCURATE INCOME THAT THEY SUBMITTED )  XX/XX/XXXX   XXXX   XXXX   XXXX  sold our loan to   XXXX   XXXX  .   XX/XX/XXXX    XXXX  n ot   XXXX   XXXX   sen t statement of debt pursuant to NC GS 45-21.16 ( c ) ( 5a  ).  XX/XX/XXXX   XXXX  served us foreclosure paperwork w/   XXXX    as Note Holder.  XX/XX/XXXX  :  XXXX  canceled the f/c hearing.  XX/XX/XXXX  :   XXXX   XXXX   served us : Rescheduled Hearing Noti ce w/ New Cr editor in section 10 as   XXXX   XXXX   . To this d ay   XXXX   XXXX   has  not sent us a statement of debt pursuant to NCG S 45-21.16 (   c ) ( 5a ). They also will not tell us why the 1st monthly statement they sent us reflects amt due of {$120000.00 } (   XX/XX/XXXX  ) while the last statement that  XXXX  sent us reflects amt due of {$84000.0 0} (  {$37000.00} difference w/ in 30 day time pd ). They also denied loan modifications due to inaccurate income that THEY reported in error. We tried on several occasions to let them know it was wrong and tried to give them the accurate income info. They would NOT call or email us ba ck.    XXXX   XXXX   bought our loan as of  XX/XX/XXXX . Per the Prom Note, #  XXXX , they are obligated to keep all promises made in the Note. We modified our loan  XX/XX/XXXX . Per the  DOT, para.  XXXX , we have the right to Reinstate.  XX/XX/XXXX  we received reinstate calc. good thru   XX/XX/XXXX . W e pd in full reinstate amt {$32000.00} on  XXXX .  XXXX  we recd Nonpymt notice on  XX/XX/XXXX  we  were served foreclosure on  XX/XX/XXXX  bank Vol Dismiss  XX/XX/XXXX  served f/c  XX/XX/XXXX  bank Vol Dismiss  XX/XX/XXXX  served f/c  XX/XX/XXXX  bank Vol Dismiss. We have been unable to   make our monthly pymts because the bank continues to keep us in foreclosure.   XXXX   XXXX   bought our loan from  XXXX   XXXX   XXXX  knowing that it was in litigation & that we have been disputing this erroneous foreclosure.
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent an Affidavit of Identity Theft to Trans Union and it was received by Trans Union on XXXX/XXXX/2015. After the agency received documentation, I never received an investigation status or result. Additionally, Trans Union did not respond to the request but XXXX and XXXX did.
Consumer complaint received 2022-02-13
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One sent me an email on XX/XX/2022 in regards to suspected fraud for a charge of {$55.00}, the charge was declined and if I did not make the purchase I should contact their fraud department. I contacted their fraud department immediately and informed the customer service representative that I had not made the purchase and this was in fact fraud. The representative advised she would be canceling that credit card, issuing a new credit card and submitting a request to have a {$55.00} credit applied if the fraudulent charge posted to my account. On XX/XX/2022 the fraudulent {$55.00} charge posted to my account and there was not a credit applied or pending to cover the charge as I was informed. I waited an additional 24 hours to see if the credit would appear and it still has not shown as applied or pending as of XX/XX/2022. I contacted Capital One Fraud department XX/XX/2022 to inquire why the {$55.00} credit had not been applied to my account as the charge had posted and was informed the credit can take up to 3 business days. I requested to speak with a supervisor because this was not the information I was provided on XX/XX/2022 and now I will be running the risk of this fraudulent charge impacting my credit due to my billing cycle ending within 3 business days. I spoke with a supervisor and informed her of my concerns of this fraudulent charge being billed and incorrectly being reported on my credit report and she also said it can take 3 business days. I informed her the representative I spoke to XX/XX/2022 advise the credit would show as soon as the charge posted and the supervisor said that was incorrect. I informed her if I made the payment today it would post today so I didn't understand how the company applied credit couldn't post sooner than 3 business days, she basically said that's just how it is and I can feel free to make the payment if I want. I disconnected the call. Both representatives of the company completely disregarded my concerns of this fraudulent charge being reported on my credit report and never once even offered that they would submit a request for reporting correction.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

To whom i t may concern, I have sent correspondence to all three credit bureaus regarding public records ( Tax liens and Bankruptcies ) on my credit report and asked them to permanently remove the information off of my reports because they have it listed as the courts and the record of deeds as th e parties who placed the information in my report and that is inaccurate information, i have correspondence from each stating that they do not report to credit bureaus and it is a violation of the Fair Credit Reporting Act to report false information.
Consumer complaint received 2019-09-30
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: VW Credit, Inc (TX)

Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

here is a Judgement that I have been disputing for the past two years. It was placed on all XXXX Credit Reporting Agencies and they state that they have investigated and it is mine. A judgement that is for a XXXX XXXX for {$2500.00} with a listed address of : XXXX XXXX XXXX XXXX, NJ XXXX. I have been trying to get this address off of my report since they put this on stating the facts that I have never ever ever lived there.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

My Business Credit Card info was stolen and used by someone not related to the Company. When I discovered what was going on, I called Chase and made a police report. I the conversation with chase i explained my card was stolen and being used like they owned the credit card. I mention a couple of charges over the phone and tell them that when they send me the statement of loss i will revise and make sure all fraudulent transactions were in. They refunded me for what I told them over the phone. Then they Put them back to my account, saying that they investigated and their conclusion is that It was me who made the charges and I'm responsible. The money they refunded me was far less than what was stolen from our Business Credit Card.
Consumer complaint received 2022-02-13
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: National Credit Systems,Inc. (MD)

Landlord harassment with malicious intent through collection agency. 

Name of agency : National Credit Systems , Inc. XXXX XXXX XXXX XXXX, GA XXXX Free XXXX Phone XXXX Summary of complaint, I was a tenant at XXXX XXXX XXXX, XXXX  XXXX, in XXXX " Nevada ''. The terms for early termination of the lease were clearly discussed prior to renting. I have attached an email communication. By XX/XX/2020 when the COVID lockdown begun I no longer had the option to stay at the job I had at the time due to minimal operation status. 
By XX/XX/2020 my only option was to transfer to California ( I have attached the letter ). 
I am being targeted by the XXXX 's management company aka. landlord because of my profession and the assumption of a high income. They have sent over {$10000.00} to a Collection agency which is a deliberate action with malicious intent. 


Respectfully,
Consumer complaint received 2021-09-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

loan number XXXX my name is XXXX XXXX i am trying to refinance i was in forbearance plan end in XX/XX/XXXX i am not late with my payment my mortgage company give false statement that i am late with payment 30days 60 days 90 days if i am in forbearance plan my mortgage company cant not reported late payment i think they doing this so they can keep my business but i dont this company my payment is to high and i am geting lower rate with another company
Consumer complaint received 2015-08-26
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CT)

I have cut and pasted my e mail to Macy 's which explains the basicissue. I received a XXXX line answer. The posting of this on my creditreport has made my score drop dramatically. I can not believe they do nothave a XXXX time forgiveness, especially when they are partly to blame. 

-- -- -- -- Original Message -- -- -- -- Subject : Response to my XXXX Posting from XXXXFrom : XXXX ; Date : Thu, XXXX XXXX, 2015 XXXX XXXXTo : XXXXXXXXResendingGood Morning, Many Thanks for your quick response to my XXXX posting. 

My account number isAs I explained in my XXXX posting on XXXX XXXX I opted for electronic statements as the hard copy statements never arrived on a regular basis despite my complaining. I was also unable to download pdf versions and your IT department promised to fix this but so far not. I was constantly paying my account by logging in and paying the balance as soon as I seen it, or paid it in store when shopping. On the same day I enrolled as I thought in automatic payment which would really solve all of these problems, however what I actually did was made a XXXX off payment. An honest error on my part and something I was only doing so my payments would always be prompt, ( not that they were n't before ). I has a balance in XXXX that ran over into XXXX because I NEVER RECEIVED A XXXX STATEMENT either in hard form or electronic. I did receive a XXXX statement and paid it immediately as I then realized that I must not be set up for automatic payment. Macy 's listed my account as delinquent and it has now reduced my credit score by XXXX points. It also listed and will stay there for 7 years if you do not correct it. 

All your representatives kept telling was that XXXX statement wen out and it was basically just tough. There manner although no impolite was stand offish and they just kept repeating the same thing over and over again. 
I have spoken to a number of friend who have told me that on the odd occasion that they had forgotten to pay they received a reminder phone call - I never received any call either, as I would have acted immediately. 

I am asking that you first off look at my account record over the last 10 years and you will see perfect payments on time and some times way before due date. Surely this has to count for something and allow this XXXX accidental transgression to be waived. I am small business owner and my credit score is paramount to me maintaining and running my business and this listing could have a devastating affect. I am originally from XXXX, and as such have a large numb r of XXXX on a regular basis. XXXX of the highlights of the trip is always a large shopping expedition to Macy 's at XXXX XXXX XXXX were they spend a lot of time and money and avail of visitor discount. I would hate to have to discontinue these visits as a result of this unfair action you have taken. 

I look forward to hearing from you in due course and hope that common sense will prevail in this instance. 

My contact phone number isMany ThanksRespectfully, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-13
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: Experian Information Solutions Inc. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Problem Company : SPECIALIZED LOAN SERVICING. Problem : I am paying my monthly loan payment in advance before the date it is due and instead of crediting my loan payment to my loan as a monthly loan payment the company is crediting my payment as a " principal only '' payment and then when the monthly loan payment due date arrives the company is stating that they never received my monthly loan payment. Then, the company is marking me as not paid and is then charging me a " late fee. ''
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

my issue is with Equifax credit reporting agency, they have items on my report that should be deleted. I have had this issue repeatedly with them, there was an item that was on my report fro the company XXXX in which they wanted me to pay them XXXX, which I knew was incorrect and I submitted a court document showing I owed much less and they somehow lost it three times and received on the fourth try. upon reviewing it and plus I gave them thirty days they told me on the phone because the company has my social security number that superseded the court order and the amount was correct. needless to say this item just finally came off my report. I talked to them recently about a XXXX XXXX item on my report that has been on my report for 11 years and that have been removed in 2012, I even called XXXX XXXX and they looked at it and evened agreed with me saying it should have been removed plus the account is closed. Equifax stated which have recorded that they charted on it and it will stay for 7 more years, which I know it is not correct. another issue that bothers me is that negative items are disappearing and my credit score is decreasing, which to me is making no sense. I have not had any new negative items added either.
Consumer complaint received 2015-09-09
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (CA)

My debit card was closed without any notice to me. I had no access to my money for a few days until a temporary card was issued. The bank could only tell me that it was notified by someone that a potential breach had occurred and to close my account. The could not tell me who initiated the closure or when. I think I have a right to know these things.
Consumer complaint received 2016-09-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

recently i file a complain best buy citi credit card about the unreasonal interest charge but they give me back the answer is ridiculous they say if two month in the row i pay it full amount i do n't need to pay interest the question is XX/XX/XXXX and XX/XX/XXXX i pay full amount in statement balance but i still need to pay interest on what they say billing cycle that is unacceptable answer they can say whatever they want and do whatever they want to ripe the customer off and how they count billing cycle this is only credit card cheating me and what mean by statment balanceso if like that they do n't need to sent people statment just keep saying that statment balance is nothing billing cycle is right
Consumer complaint received 2015-10-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (AZ)

Diversified Consultants starting calling on XXXX/XXXX/15 at XXXX and again at XXXX on the same day. These calls were unanswered. Then on XXXX/XXXX/15, they called at XXXX, in which I did speak with a representative, verified my identity and was advised of the debt from the original creditor. The call was disconnected because I was having a difficult time understanding the accent of the representative. They then continued to call me all week. More calls placed on XXXX/XXXX/15 at XXXX, XXXX/XXXX/15 at XXXX and again on XXXX/XXXX/15 at XXXX, in which I did not answer. My wife called them on XXXX/XXXX/15 at XXXX and advised them not to contact me again. It is my understanding that once a debt collector makes contact with you, they can not try to make contact again for 7 days. I also feel that the excessive number of call on my cell phone that I also use for business purposes is excessive and disruptive to my daily work.