davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Control Technology, Inc. (MI)

Account Control Technology XXXX has been contacting me wrongly for many months ( over 4 ) at times between XXXX-XXXX from a Wisconsin number ( XXXX ) multiple times a week. 

The thing is, they are looking for someone who shares the same Surname with me, but it 's not me. I do n't even have any outstanding debts as I write this now. 

I explained the mix-up previously, but they continue to call. I have just recently explained it again ( 2 months later ), with a little too much passion and was hung up on. 

Either way, they are wholly incompetent on this matter and it is downright shameful they have any effect over any individuals, let alone their credit.
Consumer complaint received 2019-11-08
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. (MS)

I have tried contacting the credit bureaus on numerous occasions. The balance they are reporting on my credit reporting is different from the letter that i acutally received from the actual company. I have informed this of this and they have only sent letters back saying the information is " verified as accurate '' .i also asked that verify the account belongs to me and i was sent the letter attached instead. im hoping you can help me.
Consumer complaint received 2019-11-08
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. (DE)

I provided proper notice and moved out of my apartment at XXXX XXXX at the end of my lease. I cleaned the apartment and took and provided photos of the apartment for my protection. 

The apartment complex ( as many of these management concerns do ) fabricated fees that I owed and sued me for them. The judge dismissed the case " WITHOUT PREJUDICE '' because I provided all of the backup of a proper notice and the pictures of my apartment. 

I disputed this collection with XXXX XXXX XXXX ( which can not be collected by law ) and the bureau left the item on my file. The account number is XXXX and the amount listed is {$1700.00} I have provided a copy of the court decision
Consumer complaint received 2019-11-08
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. (DE)

I provided proper notice and moved out of my apartment at XXXX XXXX at the end of my lease. I cleaned the apartment and took and provided photos of the apartment for my protection. 

The apartment complex ( as many of these management concerns do ) fabricated fees that I owed and sued me for them. The judge dismissed the case " WITHOUT PREJUDICE '' because I provided all of the backup of a proper notice and the pictures of my apartment. 

I disputed this collection with XXXX XXXX XXXX ( which can not be collected by law ) and the bureau left the item on my file. The account number is XXXX and the amount listed is {$1700.00} I have provided a copy of the court decision
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

Hello, I purchased an Equifax Complete Premier Plan on XX/XX/XXXX directly through Equifax 's web site. I purchased the plan to protect myself and my financial accounts from identity theft. I also purchased the plan to have my personal credit reports monitored and protected. 

Unfortunately Equifax did not protect me or my accounts. I was informed from my father-in-law that there had been an Equifax breach and I was completely shocked and alarmed because Equifax was supposed to protect me, not violate me. Till this day I have never received an email or letter from Equifax informing me of the breach. 

In addition, I paid in full for a service that I did not receive. Equifax withdrew {$1.00} from my bank account on XX/XX/XXXX and {$190.00} on XX/XX/XXXX. 

I have contacted Equifax several times via phone and I can not reach a live representative. My phone calls are either disconnected or re-routed to another automotive system. When I have accessed my account via their website I 'm kicked off and receive an error message. 

I was able to log onto equifaxsecurity2017.com however they asked for more personal information which made me uncomfortable. I did speak with a live customer service agent but they could not help me get a refund.
Consumer complaint received 2022-02-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (IL)

I made an offer on a property and the offer was accepted. The lending officer advised that I would need to pay for the appraisal. I was quoted an appraisal price of {$500.00} which was debited from my bank account on XX/XX/2022. The deal fell through and I have found funding with another mortgage company. My new mortgage company asked for the appraisal receipt from the old mortgage company. I reached out to them today for the receipt and was told I owed them an additional {$210.00} before they will release my receipt. This is the first time I have heard this. I asked them if I owed this why haven't they sent me a bill? I mentioned that I paid the requested amount and the inspection took place on XX/XX/2022. If I had not asked for the receipt of the appraisal would they have even mentioned this additional {$210.00}? I believe they used my {$500.00} towards other administrative costs which caused my appraisal fee to become short. At the time, none of this was made clear to me. I believe they are acting in bad faith and have misrepresented the entire situation. I asked RocketMortgage if they could provide proof that I was made aware of this. They sent a Deposit Statement ( which I have attached ) which I thought was another document in the process of buying the house. I did not equate this to the appraisal fee since this was the only fee discussed with me at this time.
Consumer complaint received 2019-11-08
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. (PA)

I went through a hard time in my life, I had my auntie XXXX XXXX unexpectedly from XXXX so naturally, I was spending the bulk ok my money on my family. I left the payments lapse on this account with XXXX XXXX but, when I was able I paid the card off in full. I have repeatedly called them and sent numerous goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it, the account is paid. They consistently tell me that it's not up to them, XXXX  has to do this on there own. They don't have much empathy either, just take the money and not willing to help. XXXX XXXX XXXX XXXX has been paid, I would like XXXX  to update the payment history or just remove the card please so my score can increase and I can move forward with helping my family properly. The card is paid!
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA (FL)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

I applied for a {$1000.00} personal loan with my bank to try and establish credit because I supposedly have no credit history according to my banker. I met all the requirements and was denied due to the information provided by XXXX XXXX. I have on numerous occasions contacted them by phone dating back to 2015 stressing to them of how important it is to remove incorrect information from my credit report I faxed police reports to them and updated current addresses and phone numbers. To no avail. I am being discriminated against for being XXXX. I am being singled out due to not being XXXX.
Consumer complaint received 2020-07-01
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. (TX)

INQUIRES THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM ALL FTC VIOLATIONS! 

ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

My name is XXXX XXXX. I purchased a townhouse in 2007 at XXXX XXXX XXXX XXXX XXXX, MN XXXX. I became aware recently that I had been charged PMI insurance for much longer than I should have been. 

I have requested in writing several times over the years to cancel my PMI insurance. I also called the different mortgage companies that owned the loan many times over the years to find out if I was still being charged and I was told that I wasn't several times. Most recently I called New Rez ... .and I just found out that I was still being charged until just a few months ago. 

I believe I have been overcharged by thousands of dollars.
Consumer complaint received 2019-11-08
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. (PA)

I went through a hard time in my life, I had my auntie pass away unexpectedly from XXXX so naturally, I was spending the bulk ok my money on my family. I left the payments lapse on this account with XXXX XXXX but, when I was able I paid the card off in full. I have repeatedly called them and sent numerous goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it, the account is paid. They consistently tell me that it's not up to them, XXXX has to do this on there own. They don't have much empathy either, just take the money and not willing to help. The XXXX XXXX XXXX has been paid, I would like XXXX to update the payment history or just remove the card please so my score can increase and I can move forward with helping my family properly. The card is paid!
Consumer complaint received 2023-02-10
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. (TX)

In accordance with the Fair Credit Reporting act 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, has 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 a account without my written instructions
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2019 my daughter was trying to pay her phone bill online from her account ( my name secondary ) when she realized that the transaction was not successful, she called BOA and was told a fraud wire was deposited to her account fromXXXX and XXXX XXXX, hence a hold was placed on the account. We were further informed that the investigation would take 90 days and we could not access her account. We tried calling during the period without any resolved, on one of these follow-up on XX/XX/2019, we were told our account will be closed to offset the XXXX XXXX customer who was out of pocket. We informed them many times we are not aware of such transactions and need the matter resolved. After we spoke to the customer service rep on XX/XX/2019 they hold all funds on my main account also, ( daughter secondary on account ). 

We visited the Branch at XXXX XXXX XXXX and was told the rep could not assisted us, I had to use my personal phone to call the Fraud dept, which informed us that they will be closing my accounts and ending all relationships. I was most annoyed and frustrated as we have been calling and not getting any updates and no resolution on the matter. We got a letter on XX/XX/2019 saying the accounts will be close and they will report our account to XXXX XXXX and XXXX XXXX XXXX. I conclude that they are accusing us of the fraud before the investigation is completed. My question to them was, why a cash withdrawal was done at the same branch we visited and they cant determine that we the customers are not the persons doing the frauds. See statements and letter attached. Note we only got that only letter when I asked how comes all this happen without any communication from BOA. 
Please investigate on our behalf.
Consumer complaint received 2023-02-07
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: Credit Karma (TX)

Credit karma consistently sends me offers about credit cards saying that my odds are good or excellent only for me to be denied credit! I then take another hit on my credit and have an inquiry! How is this company allowed to mislead people to falsely claim that you have good or excellent chances in getting approved when this is not true?
Consumer complaint received 2019-11-08
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. (CA)

I have submitted a dispute to the credit bureau in question before regarding a fraudulent account on my credit report. They have been unable to resolve my situation with removing the error on my report. I attempted to contact the company in question directly without much luck. The company name is XXXX XXXX. They have a one page website ( XXXX ) with a phone number to another company named XXXX on the bottom of the page with no physical address information. I can not find their address on my XXXX  XXXX credit monitoring report. I do not know of any way to contact them. It makes me wonder how the credit bureaus were able to verify this information. It is not correct and I would like it removed from my credit report.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc. (FL)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-11-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (IL)

Nationwide Credit continues to call my office in spite of the fact that I have told them repeatedly that the person they are trying to contact is not here and does not work here. Most of the time if I do answer the call, there is no one there. No message is ever left either. I have called the office number in Illinois and spoken to a manager, told him that the person is not here and to stop calling. I have written a letter to Nationwide, asking that they contact me via mail if I owe someone money ( which I don't ), and to stop calling. They continue to call, but don't leave a message. This is harassment. 
Nationwide phone number is XXXX
Consumer complaint received 2017-02-10
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (CT)

My family and I needed a new vehicle to fit the six of us and we spent months looking for the right fit. After visiting dealers all over the state of CT we settled on Honda of XXXX. The experience seemed to be going well until the actual lease of the vehicle. I am in XXXX so I had to complete the purchase over the phone and by mail. Honda let my family take the vehicle home while the paperwork was being finalized and we left our trade-in. It took Honda over a month to process the lease paperwork so they told me they would pay the first month of the lease. I thought that was more than fair and had an even better opinion of the dealership at that point. The next month I was able to set up the auto-payment and it seemed everything was ok. Two months later we still had not received the check for our trade-in, even after several visits to the dealer to ask for it. Around the same time I was contacted while XXXX to tell me that I owed Honda for the first month of the lease that they paid for me. I countered that it was my understanding that Honda was paying that month because of their delinquency in completing the paperwork. It went back and forth like that for a few emails until Honda stopped replying and I received a notification from my credit-tracker that said my credit score had dropped. Honda recorded on my credit report on all XXXX major reporting firms that I was delinquent in paying my lease. I checked my Honda account online and paid the overdue balance because, frankly, I ca n't afford to have my credit damaged like that. I requested my free credit report from all three firms once I was able and disputed the claim. I also replied again to Honda to let them know that I thought what they did was unfair and since I paid them the amount they claimed I owed them, the least they could do was remove the delinquency from my credit report. I still have not heard back from them. I did get the resolutions back from the credit bureaus which still has the delinquency for the lease. I 'm frustrated because it feels like the big companies have all the power in these situations and my family is going to be the one that suffers because of it.
Consumer complaint received 2019-11-08
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA AS TO HOW THESE INQUIRIES GOT ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-11-08
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA AS TO HOW THESE INQUIRIES GOT ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc. (FL)

I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-10-04
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: CITIBANK, N.A. (SC)

I have a hard inquiry dated XX/XX/2018 from : XXXX XXXX XXXX XXXX/CBNA XXXX XXXX  XXXX XXXX, TN XXXX I never applied for any service or account with this company.
Consumer complaint received 2019-10-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Recovery Solutions, LLC (MO)

We have an important message from debt Recovery Solutions. This call is from a debt collector. Please call XXXX XXXX. That number again is XXXX  XXXX. Thank you. 

Date XXXX at XXXX XXXX
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Plus Inc (DC)

I have written a certified letter to this company asking for proof of my signature to allow them to pull my credit reports along with the credit bureaus. I have not received any proof. They have violated the Fair Credit Act Section 1681b ( c ). They were not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I have requested that they either mail me a copy of my signed authorization form that gave them the right to view my credit within 5 business days and that letter was dated on XXXX XXXX, 2016 ( certified mail ) I have also asked the company for a payment of {$1000.00} if they did not have the signed document. Please find attached the response from the company stating they do not have a file in my name or under my social security number but they have not removed their company from credit report. They have abused my rights by pulling report 2-3 times in one week.