davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020 I went to XXXX XXXX dealership, XXXX XXXX XXXX XXXX, XXXX XXXX, they run my credit and that day my credit score went down 68 points!!! 

The same day Capital One Bank run my credit without my authorization, called the bank, they can not give any explanation. 

Also the last 2 months there are 4 hard inquiries coming from " XXXX XXXX ". I never gave any permission to them to run my credit.
Consumer complaint received 2020-08-21
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. (MO)

Experian has the wrong DOB listed on my credit report, along with incorrect names, addresses, telephone numbers and SSN. I have called and disputed 3 times since it will not allow me to dispute on line and my file is still incorrect.
Consumer complaint received 2020-07-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IN)

I was contacted by Quicken Loans about my mortgage with them in the end of XX/XX/XXXX. They were offering a lower rate for refinancing. My current rate is 3.5 % and they offered 2.75 %. I told them initially I did not want to refinance because I don't believe they are a reputable company and I had issues during the purchase of my home in XX/XX/XXXX. They assured me this would be a simpler process and continued to contact me so I proceed. On XX/XX/XXXX, they ran both my credit and my grandfather 's ( he co-signed the original mortgage ) without permission. They have admitted that they did this without permission. As with my initial mortgage, they would not give me the exact items required for closing. They would request information and once it was provided they asked for more. The final issue was that they requested a 2 year history of my grandmother 's mortgage. My grandmother is not an applicant for the refinance and is not required to give this information. Because we would not give it, they said the process would be canceled, so I was not able to refinance. I believe my initial mortgage process and the refinance included XXXX of race and age. Although we provided all information requested, this company constantly requested " further information '' or information on people outside myself and my grandfather. I believe because of my grandfather 's age, he was targeted and it is the reason for the extensive document request. I also feel like race is an issue because it seems like they were looking for reasons to show that we could not afford the home. They conducted an " investigation '' proving that they did run the credit without permission, however they did not continue the refinance process because of the documents they stated we had to provide.
Consumer complaint received 2018-06-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

XX/XX/XXXX- Portfolio Recovery filed lawsuit against me for {$1700.00} There were a few continuances and ultimately I had until XX/XX/XXXX to respond or risk default judgement.

On XX/XX/XXXX I made a settlement agreement by phone with PRS for the full amount but in payments. Imediate down payment of {$350.00} and monthly payments of {$230.00} until paid.

On XX/XX/XXXX PRS sent a letter memorializing the agreement and I was to sign and return which I did after speaking with them on XX/XX/XXXX to ensure that this meant there would be no Judgement filed. It was confirmed that once the agreement was received, it would be filed with the Court and we would not have to do anything else, including going to court. Nothing would happen unless we stopped paying.

On XX/XX/XXXX I received a Default Judgment Notice for {$1400.00}. I called PRS and they told me I never signed and returned the agreement. I told them I most certainly did. After putting me on hold they said it was because a payment was returned on XX/XX/XXXX and even though I called and cleared it right away and was assured my agreement was in tact, that triggered the judgement. There is no way, if they filed our settlement agreement like they said, that a return payment on a Monday would result in a hearing for judgment in 2 days on XX/XX/XXXX. XX/XX/XXXX was the hearing date all along that we were told we didn't need to provide answer for or attend due to signing the agreement that was to be filed. They got a default judgement against me for not showing up when I signed a settlement agreement that they were supposed to file. Unfortunately I failed to make a copy of the agreement somehow but I do have the letter from them indicating the agreement was attached to memorialize the agreement.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

Ive reached out countless times about this and STILL you have incorrect names, addresses, etc. after Ive provided you with my drivers license, SSN card and a letter for the police department advising I had been a victim of identity theft! Ive provided you with that information so that you could update your records/accounts accordingly and STILL you have failed to do that instead in my previous complaint, you left a generic response about talking directly to me when you have made it impossible for me to even contact you about my own account!!!!!! 

When you receive a complaint from the CFPB you are speaking directly to me! I cant speak to you, but youve managed to place a fraud block and freeze on my account that I HAVE NOT requested. Ive previously asked that you lift any blocks and freezes from my account and not add anything I have NOT asked you for ... instead you do exactly what I said NOT to do! 

Because Ive documented this issue many times over and have given you ample opportunity to correct this and you have failed to do so, please respond with the information for your resident agent in my state, as I will be moving forward with a lawsuit against you for your incorrect credit reporting and inability to make corrections in a timely manner. I will be seeking damages for your incorrect credit reporting and your refusal to correct this and the negative impact it has had on me and my credit as a result. 

Again, please respond to this complaint with information for your resident agent in the state of Virginia so that they can be properly served for any forthcoming court proceedings.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately.
Consumer complaint received 2021-03-03
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AZ)

I had a loan on my house. It was supposed to be paid off by XXXX, XXXX. Ditech bought my loan. I noticed that the escrow account was high. They say that they sent me a letter stating that it was in default by XX/XX/XXXX, but I didn't see the letter. I kept going on the website and paying them. Today, XX/XX/XXXX I was contacted by them, and they stated that they were putting me into default on XX/XX/XXXX. They refused to take the final payment on the house, which is XXXX. They said they wanted XXXX by next week. I begged them to let me continue paying on the escrow, and they said no. I spent a long period of time on the phone with XXXX, and she kept getting off to talk with someone else. I bought the house in XXXX, and it was paid off in 24 years. the house was paid off on time ; they NEVER asked me to increase the amount of payment on the escrow, and now they're tacking on late fees. I always answer the phone, and I was on the website repetitively. I would have been glad to remedy this : now they're going to ruin my credit. I think they are pursuing predatory lending policies and I want someone to help me. I do not have enough time to get the loan for the escrow amount before the principle which they refuse to let me pay off goes into default.
Consumer complaint received 2018-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd. (FL)

OnXX/XX/2018 I was reviewing my credit report and noticed that CBA COLLECTION BUREA was reporting and account that is a result of fraud. Upon further review, I contacted the original creditor, XXXX XXXX XXXX XXXX XXXX, and they had the wrong address and their records their records did not match. I was informed that the account was sold to CBA COLLECTION BUREA and the was no longer their books that I had to contact CBA COLLECTION BUREA which I did. I first spoke to a XXXX. I notified him that I was calling because there's an fraudulent account being reported on my credit file. Upon him locating the file he proceeded to request a payment and how did I plan to pay for this debt, that they take credit cards. I was so upset that he totally disregarded the fact that I noticed him that this was a frauduant account. Thats when I requested to speak to a supervisor. I was transferred to a XXXX XXXX who gave me boilerplate information and was requesting a police report and proof of residence for the time of service. I asked her to red flag the account and to stop the collection attempts. She agreed to send me a ID Theft packet. My biggest concern with this collection company is that they are trying to collect and account that is not mine and the fact that they have reported a fraudulent account to my credit report which has affected my employment due to the fact that my job is credit sensitive. I concluded the call but did informed that I will be filling a complaint and a FTC report.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I applied to Capitol One XXXX  credit card. 
They pulled my credit and I have good credit and my profile says apply for more credit now. I applied and they delayed processing the application intentionally. They never contacted me or sent anything. All my bills have been paid off and my credit is ready for a card. The average credit they approve for this card is XXXX. They took so long that everyone knew they were doing something they had no business doing. I want to file a comps to receive due process and receive my card.
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

I was notified by the credit bureau that my account with Synchrony Bank ( XXXX ) was closed. After receiving the notice from the credit bureau, I received a letter from the bank saying that my account was closed because of high balances and a delinquent account. There were fraudulent charges on my account which led to the account reporting incorrectly. The bank never contacted me to see if the information reporting was accurate. I should have been given the opportunity to explain. My account payments have been timely and always paid more than the minimum amount due. I feel that my account was targeted and closed based on my ethnicity.
Consumer complaint received 2018-06-27
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: AMERICAN EXPRESS COMPANY (CA)

I disputed one of the purchase that I placed an order. 
I placed an order ( XXXX ) first and got rejected by Amex on XX/XX/XXXX. 
I placed an another order ( XXXX ) due to first order didn't for through on XX/XX/XXXX. 
I received pick up notification since our apartment had no access and I picked up at the access point, I did not check the order number because I was informed by Amex that first order didn't approve for some reason. Anyways it didn't fit my daughter, therefore I returned it and got refunded of {$3700.00} from merchant. However about a month later Amex charged me another {$3700.00} and notified me that first order went through and merchant sent me two packages. I have filed disputes multi times stating that I only received one package either first or 2nd order. Amex was the one who declined my first order and charged me month after. They ignored my dispute claims and keep charging back to for the amount of {$3700.00}. I actually should have credit since I over paid and now my statement showing I owe Amex {$2200.00}. I requested Amex to re-open the case and they refused my request saying they are afraid that this charge was over 60days. As you can see, it's not true and I filed it with in 60 days but Amex didn't resolve this matter. I even sent them Certified Mail regarding this issue and got ignored.
Consumer complaint received 2018-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I have disputed three medical debts with this company, twice due to the fact that these debts do not belong to me, once XX/XX/XXXX also inXX/XX/XXXX. This company has failed to respond to my letters that i have asked for a validation of debt numerous times.
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

Carter young Inc has put a debt that I do not owe them on my credit reports. I have never had any type of contract with this company. I asked them to send me info with my signature showing I signed something with their company and they never provided anything because I do not owe them anything.
Consumer complaint received 2018-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

I have contacted Equifax so many times via phone online, and via first class mailings on many many occasions in regards to 4 accounts that were placed in my name that did not belong to me and i did not authorize or was not familiar with.I get the same results and i have had it, it makes it look very bad on my credit report, and reporting negatively. I am trying to build my credit up to obtain better things in life and it makes it difficult when they checking credit and i have negative accounts that do not belong to me reporting inaccurately.I have disputed and reached out to Equifax more then several times and they say the same thing over and over.The companies either need to send proof or validation or it needs to be removed.These account does not belong to me. I have done the FTC, I have called and they have told me that their handling it and they received proper paperwork and i should see an update and i never do.The last Rep talked to name was XXXX in the Customer Service, I have not had any luck with this. The following accounts that are reporting are : XXXX XXXX with a balance of {$210.00} and XXXX Collections with a balance {$200.00}, XXXX XXXX with a balance of {$160.00}, and XXXX XXXX XXXX XXXX with a balance of {$690.00}
Consumer complaint received 2018-06-26
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. (CA)

Have you had your identity stolen? If you don't know you should check with XXXX. Last year ( XXXX ) they had a data breach that affected nearly every voter in this country. I personally have had personal id information stolen due to data breaches at XXXX XXXX, XXXX XXXX, IRS and most recenty at the credit reporting agency called XXXX. The IRS data breach occured in XXXX and I only discovered it when I received a credit card from a bank I did not recognize. At the time I called the bank/credit card company and they advised me to implement a credit freeze and also contact IRS. When I called IRS they told me about their data breach and also said someone had already filed a tax return requesting refund. Fortunately that return was caught - so no refund was issued to the identity thief. More recently personal id information ( belonging to both me and my wife ) was stolen from the XXXX XXXX XXXX XXXX. 

In order to protect my wife and myself I have had to implement a credit freeze with fraud alert on all of our credit files maintained by the big three credit reporting agencies. I did this back in XXXX when I first discovered the IRS related identity theft. Needless to say, this seems to have worked but it has only worked at great personal cost in terms of time. Let me give you a specific example. My wife and I are now trying to borrow money to buy a home. In order to do this I now have to contact 3 different credit reporting agencies twice ( total of 6 times ) to have the freeze temporarily lifted for both myself and my wife. In the last XXXX days this has eaten up at least XXXX to XXXX hours of my time ; and I am still not sure if it's done because my loan broker told me he is still having not able to access all of my credit files. Transunion always seems to be the worst as the PIN id numbers they provide never work on their website -- which means I have to make at least XXXX long phone calls to them in order to get a temporary freeze lift. Needless to say this is a colosal hassle and waste of my time -- because this not really to protect myself -- it protects unwary lenders. 

Once your identity has been stolen the problem never goes away. Companies like XXXX, Transunion and XXXX and lenders in general should not be able to profit from identity theft. We need stronger laws with serious and well enforced penalties that prevent this kind of profit. The XXXX reporting agencies should create a single easy to use website/application that consumers can use to lock and unlock their credit files. No one should have to spend hours doing this. In addition, all lending institutions should be required to know the person whom they are lending money.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

Ive reached out countless times about this and STILL you have incorrect names, addresses, etc. after Ive provided you with my drivers license, SSN card and a letter for the police department advising I had been a victim of identity theft! Ive provided you with that information so that you could update your records/accounts accordingly and STILL you have failed to do that instead in my previous complaint, you left a generic response about talking directly to me when you have made it impossible for me to even contact you about my own account!!!!!! 

When you receive a complaint from the CFPB you are speaking directly to me! I cant speak to you, but youve managed to place a fraud block and freeze on my account that I HAVE NOT requested. Ive previously asked that you lift any blocks and freezes from my account and not add anything I have NOT asked you for ... instead you do exactly what I said NOT to do! 

Because Ive documented this issue many times over and have given you ample opportunity to correct this and you have failed to do so, please respond with the information for your resident agent in my state, as I will be moving forward with a lawsuit against you for your incorrect credit reporting and inability to make corrections in a timely manner. I will be seeking damages for your incorrect credit reporting and your refusal to correct this and the negative impact it has had on me and my credit as a result. 

Again, please respond to this complaint with information for your resident agent in the state of Virginia so that they can be properly served for any forthcoming court proceedings.
Consumer complaint received 2018-06-26
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. (TX)

I have been disputing the negative information shown on my report again and again. 
Since XX/XX/XXXX and every time they the information and the negative accounts belong to me and they verified it as accurate. 

I requested them to send me method of verification that they have used, name of peple/company they have contacted and their phone numbers, I also requested what are documents that justify the negative accounts shown on my report are accurate within 15 days from the receipt of the letter. It was requested on XXXX XXXX and its been 15 days already and I have recently received letters from them saying, I need to contact the creditors directly.