davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I had a mortgage with XXXX  XXXX XXXX that was ultimately foreclosed on. I began missing payments on this account earlier than XXXX, and this account should be removed from all credit bureaus at this point, but XXXX XXXX XXXX refuses to remove it. Beginning in XXXX of XXXX, I applied for a short sale, and even had buyers interested. XXXX denied the short sale claiming the offer was too low. I applied for a short sale again, which XXXX denied once again claiming the property wasnt marketable. I then in XXXX of XXXX requested a deed in lieu of. I called back two weeks later after not hearing from anyone, and was told I had been denied a deed in lieu because I had not completed a short sale process. I was completely floored as I had already gone through the short sale process and been denied twice!! I filled a XXXX complaint following that incident, which wasnt responded to until XXXX, and I was still requesting a deed in lieu at that time. XXXX  drug this out until XX/XX/XXXX, then still didnt have it officially recorded until XXXX. XXXX has the worst business practices Ive ever encountered. Ive have been through enough because of their mishandling of my case, and their complete incompetence. I just shy of two years ago was able to get another mortgage through the VA, but I had to write a letter to HUD to requesting to have the flag removed from my credit early to do so. I explained the same information above to them, they obviously agreed it was poorly handled and granted my request. Im asking that this finally be removed from my credit report with so three bureaus since this was so poorly handled, couldve been resolved sooner, and shouldve absolutely been removed by now anyway.
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Contacted Freedom mortgage to have my Mortgage Insurance removed, I contacted them over 10 times over the past month and a half, I provided everything they asked for and they are not removing my mortgage insurance. I have had the mortgage over 6 years, have made every payment, have fico or XXXX, the home value is around {$320000.00} and the mortgage is around {$180000.00}. I was told to send a check for an appraisal with was wrong info ( have the email ) then was told to send {$150.00} for XXXX and they got it and are saying I do not qualify but they did not pull a XXXX  yet, every representative tells me something different.
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

To whom it may concern, This is a formal request to remove, and delete the following inaccurate account from my credit report : XXXX ACCOUNT # XXXX The XXXX ACCOUNT # XXXX being furnished to the credit bureau is being disputed as I am a victim of identity theft. Credit reporting laws require collectors, and credit bureaus to only report accurate credit information. I have no knowledge of this fraudulent entry on my credit report. I have never opened any accounts with the account number listed on my report. I have never opened an account on the date referenced on my credit report associated with this account number. Per the Illinois Collection Act, 225 ILCS 425/9.4, ( a ) Upon receipt from a debtor of all of the following information, a collection agency must cease collection activities until completion of the review provided in subsection ( d ) of this Section : ( 1 ) A copy of a police report filed by the debtor alleging that the debtor is the victim of an identity theft crime for the specific debt being collected by the collection agency. ( 2 ) The debtor 's written statement that the debtor claims to be the victim of identity theft with respect to the specific debt being collected by the collection agency, including ( i ) a Federal Trade Commission 's Affidavit of Identity Theft, ( ii ) an Illinois Attorney General ID Theft Affidavit, or ( iii ) a written statement that certifies that the representations are true, correct, and contain no material omissions of fact to the best knowledge and belief of the person submitting the certification. This written statement must contain or be accompanied by, each of the following, to the extent that an item listed below is relevant to the debtor 's allegation of identity theft with respect to the debt in question : ( A ) A statement that the debtor is a victim of identity theft. ( B ) A copy of the debtor 's driver 's license or identification card, as issued by this State. ( C ) Any other identification document that supports the statement of identity theft. ( D ) Specific facts supporting the claim of identity theft, if available. ( E ) Any explanation showing that the debtor did not incur the debt. ( F ) Any available correspondence disputing the debt after transaction information has been provided to the debtor. ( G ) Documentation of the residence of the debtor at the time of the alleged debt, which may include copies of bills and statements, such as utility bills, tax statements, or other statements from businesses sent to the debtor and showing that the debtor lived at another residence at the time the debt was incurred. ( H ) A telephone number for contacting the debtor FCRA section 609 ( e ) states that businesses must comply with the law when notified of possible identity theft. Please investigate this matter thoroughly
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX  ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.
Consumer complaint received 2024-02-20
Product: Credit reporting 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. (WI)

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries that appeared on my credit report. Despite my few attempts to address this matter and seek resolution, I have yet to receive a satisfactory response from your agency.
Consumer complaint received 2018-01-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

I was instructed that, in order to remove my name from a joint mortgage, to get a quitclaim deed. Then the mortgage holder would be required, as per the Garn-St. Germain Act of XXXX and the Dodd-Frank Wall Street Reform and Consumer Protection Act, to remove my name from the mortgage. TD Bank, the mortgage holder has refused to do this. My landlord is selling and I must leave my current rental unit this summer ( XX/XX/XXXX ). I can buy a house for lower monthly payments than renting. But TD Bank wo n't take my name off the mortgage. Below is a detailed description : My husband and I have been legally separated for almost XXXX XXXX XXXX XXXX  years : My husband lives in the house and pays the mortgage. In approximately XX/XX/XXXX, he fell behind in the mortgage payments. So, TD Bank gave us a loan modification, making it a 40-year mortgage. The monthly payments were lowered significantly so my husband could afford the payments. 
Over XX/XX/XXXX, I have been trying to have my name removed from that mortgage. My name was removed from the deed. I called TD Bank and was instructed to fax the quitclaim to them. On XX/XX/XXXX, I faxed the quitclaim from my local TD Bank branch to the mortgage department. I waited, but never heard from them. When I called them, they said they never received the fax. I faxed the quitclaim again on XX/XX/XXXX from my local XXXX store. I waited a few days and called them on XX/XX/XXXX. They said they never received that fax either. I inquired further about having my name removed from the mortgage. I was repeatedly told that the only way to have my name removed from the mortgage was by death or by refinancing. I told them that the Garn-St. Germaine Act/Dodd-Frank Wall Street Reform and Consumer Protection Act says that if I do a quitclaim, they must remove my name from that mortgage without refinancing. They insisted that that was not the case. From speaking to numerous people in the mortgage loan department at TD Bank, I learned that if my husband refinances, that TD Bank no longer offers 40-year mortgages. He will have to refinance doing a 30-year mortgage. He can not afford the payments on a 30-year mortgage. So he can not refinance. So we are stuck in a 40-year mortgage. This is VERY unfair. 
I made my final call to TD Bank on XX/XX/XXXX,  asking to speak to a special loans supervisor in the office of the president of TD Bank. I was referred to a supervisor named XXXX XXXX, who refused to let me talk to anyone higher than he. I went over everything with him that I wrote above just for the record. He verified all of the above. I said that I was now going to have to report TD Bank to the Consumer Finance Protection Bureau and that I was now going to have to contact my Senator ( which I am about to do ). XXXX XXXX finally said he would take my name and number, which I gave him, and would have his supervisor call me back. She never called me back. 
Can you help me get my name off the joint mortgage as per the laws stated above?
Consumer complaint received 2020-04-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX//2020 I attempted to close this Golden 1 Credit Union savings account by entering an ACH transfer from this account for the remaining balance of {$20.00} to my primary bank. The account I was attempting to close had been opened with a minimum balance as a requirement of an auto loan that I have since paid off. Since opening, I have never overdrawn this account nor have there been any transactions in it. 

Although the transfer would have drawn the account down to {$0.00}, not a negative balance, the transfer was stopped for non-sufficient funds, and I was charged a {$29.00} fee for the returned ACH. On XXXX/XXXX/2020, I called Golden 1 customer service to request the erroneous fee be reversed, have my balance transferred to my primary checking account, and to have the Golden 1 account closed. I explained that the stoppage of the ACH was an error, since the ACH would not have overdrawn the account. The agent claimed that the fee was not an error on the part of Golden 1 and he was therefore unable to reverse it, although he was unable to explain how a non-negative balance constituted NSF. He also claimed there was no manager I could speak with to escalate the issue and explained that if I wanted to close the account, I would now need to deposit {$9.00} to cover the overdraft ( caused by Golden 1 unjustifiably stopping the ACH ) first, then I could request the account be closed.
Consumer complaint received 2018-01-11
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. (NY)

Again zero proof that I ever gave XXXX XXXX authorization to pull my credit. All they keep coming back with is canned generalized statements like " Our prior responses thoroughly and accurately addressed your concerns relating to our credit inquire. '' Really? Over and over I 've requested proof of consent into pulling my credit inquire, but to date XXXX XXXX has been unable to provide any consent from me and therefore is in violation of my rights as a consumer. If XXXX does not provide the necessary proof of my credit inquire authorization and refuses to remove the hard inquire from my credit reports then i will escalate this matter to my states DA 's consumer complaint dept. 
FYI - Ripoff Report Submitted : Thu, XXXX XXXX, 2014 Updated : Thu, XXXX XXXX, 2014 Reported By : XXXX New York " XXXX XXXX joins a long list of double-tongued lending shysters who say one thing and do another. 

A prime example is when they intentionally ding a prospective customer 's FICO score with a HARD INQUIRY, even when they are asked NOT to do so in advance. 

The truth be told, they hide behind a so-called legal right to shake down anyone in whom they choose, just because the potential customer asked what the ballpark parameters for pre-qualifying would be. ''
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Paypal Holdings, Inc (AZ)

I have a PayPal account and a PayPal prepaid account. $ disappears from my account. I look at the account summaries and the $ disappears without a trace. I write both installations of the company asking where my money went. I suggest that someone rewrites or underwrites my account statements. The company gives me the same copy and paste prewritten statements every time. It's provide transaction numbers and detailed information. Which isn't available because the website and app fail to provide accurate information. Premise $ missing without a trace, account summaries deny the existence of financial losses, apart of a financial theft crime ring and fraudulent call center installation. Mostly PayPal never lets on what happened to my money and fail to provide any assistance.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Over the course of the past few days I have attempted to retrieve my credit score using a number of different credit reporting applications and services, most notably : Equifax, XXXX, XXXX XXXX, and XXXX XXXX. After entering my information in all of these services ( name, address, SS #, phone number etc ... ) all of them have told me the same thing : " your information does not match what the credit bureau has on file ''. This is extremely alarming, as I have double and triple checked my information every time, even with my mother, and all of the information I have entered is entirely correct, leading me to believe that the credit bureaus file on me must have incorrect information. I need to rectify this, as the time has come for me to buy an apartment. Thank you for your time, I hope to have this worked out soon.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I PULLED MY CREDIT IN XX/XX/2020. I DISCOVERED INACCURACIES ON MY CREDIT REPORT I FILLED OUT AN IDENTITY THEFT AFFIDAVIT AND REPORTED THE INCORRECT INFORMATION TO ALL THREE BUREAUS AND CREDIT AGENCIES. THERE HAS BEEN NO RESOLVE TO MY COMPLAINTS.
Consumer complaint received 2017-12-04
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 several debt validation letters to Transunion over the past 6 months and they do not do any proper investigation or fulfill any of my requests for investigation. I told them about my address being in correct, I sent in proof of my utility bill with driver 's license and ss card, they sent me a stall letter. I asked for XXXX account on my credit to be removed because it could not be validated by company. They still have not completed it. I have a discharged bankruptcy that is not reporting on XXXX or XXXX so why is it showing on Transunion? I have told them this and they have yet to budge on any of my requests and it has been well over 30 days each time.
Consumer complaint received 2015-05-23
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: First Data Corporation (OH)

I visited XXXX # XXXX on XXXX/XXXX/15 I wrote a check lost my check a day later froze my bank account with XXXX and a few days after things had cleared I closed the bank account XXXX took my money I had earned using their reward program so I inquired why my {$29.00} had dissappeared I w as told it was for a check returned to contact a certain person I called left several messages no one responded so I was forced to file a XXXX complaint now working with someone in corporate that is taking care of the issue not even a couple of weeks later my checks are being returned from my new account I get a notice from TRS Recovery that Telecheck had blocked me from using my checks if I ever wanted to use a check again to pay {$48.00} that was for a {$23.00} check with a {$25.00} returned unprocessed check I tried to get TRS & Telecheck to remove the negative stuff from my credit while I work with XXXX but they refuse
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BOK FINANCIAL CORP (CA)

On XXXX, COMPLAINTANT has opened an account with " Bank of Oklahoma. '' From XXXX, SMS/Email notifications related to mobile banking have started to go through successfully. 
On XXXX, COMPLAINTANT 's online banking account was suddenly suspended. 
On XXXX, mailed debit card by XXXX was activated. 
On XXXX, representative claimed that the account looked suspicious and had to be closed. 
Representative went on to ask the COMPLAINTANT as to whether he knew what he was doing. COMPLAINTANT indicated that the representative shifted the reason for termination of account twice. From ( 1 ) account having added external accounts to ( 2 ) being outside of it service area. 
COMPLAINTANT wonders whether only the accounts having added no external accounts fit BoKF 's criteria of not being suspicious. BoKF can close anyone 's account for any reason, however in this case, it had to switch reasons around to do so.
Consumer complaint received 2017-12-01
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. (AL)

XXXX XXXX is a fraudulent account and it has yet to be removed from Equifax credit report even after providing police report that was filed in XXXX of 2016 right after that account was opened
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (TX)

On numerous occasions US Bank Home Mortgage has informed me that once my payment has been processed ( future dated by Speedpay ), that it can not be changed, modified or deleted. If this is the case and the payment is future dated, suppose my bank account gets compromised and I do not have the funds available. I should be able to delete that payment according to XXXX. I have escalated this issue to a Supervisor who screamed at me and told me that she would not delete the payment and that it was not the law.
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (CA)

I have inquires on my consumer report that i did not authorize, or give these companies permission to obtain my credit report. there are well over 10 inquiries reporting. This is crazy because it is hindering me from getting any new credit, it's hurting my mode of living.
Consumer complaint received 2021-02-08
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: MONEY SOURCE, INC., THE (NJ)

I made my mtg payment on XX/XX/XXXX ( which was a Sunday ) usually the mtg company processes our payment the next business day. However, they processed it on the second and reported to the credit bureau as late which caused my score to drop 32 points! I tried calling them to rectify the situation to no avail. It was a matter of one day. Please have this updated me late payment removed from my report. Thanks
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never HAD AN ACCOUNT, ATTEMPTED TO OPEN AN ACCOUNT, DID BUSINESS WITH, OR TOOK OUTN A LOAN with this company. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I spoke with multiple representatives including a manager. No one was able to find my account. I attempted to explain it is on my CBR. The manager asked me to dispute the account through the collection agency. I tried and they stated it was the original creditor that had to receive the dispute. I have tried multiple times to dispute. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XX/XX/XXXX, and XX/XX/XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no records in my name housed by their company, previous company, or collection agency. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.
Consumer complaint received 2022-01-06
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. (MD)

On XX/XX/2022 CITIBANK NAXXXX, XXXX XXXX XXXX ran a hard inquiry into my credit without my permission/approval. And on XX/XX/2022 XXXX XXXX XXXX  XXXX Ran a hard inquiry into my credit without my permission/approval. This was in fact run because some fraudster tried to obtain something from those banks. I contacted both banks and I was transferred over to several people and no one was able to help me or tell me what happened. The hard inquiry is now on my credit history without my permission. And it is in fact complete fraud and I wish for it to be removed from my credit history. I called XXXX and they could not remove it as they said it needs to be removed by the two companies.