davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
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. (MT)

I tried calling Transunion and after being on hold for over an hour the representative was unable to assist me. I recently viewed my Transunion credit report and notice numerous hard hit inquiries done on my credit report without authorization & fraud. Before this incident I had 0 Hard Hit inquiries on my Transunion Credit Report. 

XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX   Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX   Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am XXXX and I opened an a prepaid internet hotspot account with XXXX as evidenced by the attachments. I did not voluntarily apply for credit. I specifically requested a prepaid account with no credit check. The first bill, attached, shows that XXXX requires payment in advance as I requested. This first prepaid bill was paid as evidenced by the payment receipt that is also attached hereto. However, XXXX did not supply the agreed upon XXXX of high speed internet service that I paid for as agreed. Instead, XXXX failed to suspend or " cut-off '' the high speed internet service once the XXXX allotment was consumed as its sales representative told me would happen. I was wearing a replica hat for the XXXX XXXX ship my brother served in, the XXXX XXXX XXXX and a gentleman in the store questioned me about whether I had served on that ship. Therefore, the second bill was for over {$500.00}. XXXX then terminated the internet account and I was not able to connect to the internet. However, XXXX continued to add the {$80.00} agreed upon monthly charges to my account until it reached over {$700.00}. Finally, XXXX hired a debt collection firm to collect this debt and report this debt to the credit bureaus. As a result, my credit score has decreased significantly and such derogatory item in my credit reports caused XXXX XXXX Bank to not pre-qualify me for a veteran 's VA Guaranteed Mortgage.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX continues to sell to collection agencies Been 15 years since I had dealings with XXXX not my debt opened by someone else keep trying to collect removed 2 years ago now back active on my credit when checked ....
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I had 2 Capital one credit cards. One was a Quicksilver one card and the other was a Capital One platinum secured credit card. I had just paid most of both cards off completely and went to use it only to find out Capital one closed both my accounts on XX/XX/XXXX. I did not close them. They could not give me a concrete reason as to why they closed them.. I tried to find out why they closed them and they told me they closed my account bc my account is not consistent with their expectations for account usage and violations of the Capital one customer agreement. I have no idea what that means, or what the exact reason is. I pay my bill every month and have my accounts in good standing at all times. I don't understand why they did this to me.
Consumer complaint received 2022-02-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC (NY)

In summary : Shellpoint reported me and XXXX ( owners of a house ) to the credit agencies stating that we've missed the XXXX and XXXX payments. This is not true as Shellpoint was actually telling us to not pay until a Forbearance plan contract was put in place. 

Chronological details : - XXXX : I've called Shellpoint and was told that I should first sign the forbearance plan adjustment before making payments. I also asked if this was going to affect our credit and was told that our account was going to be " frozen '' and that we should not worry about it. 
- XXXX : XXXX XXXX was assigned as the point of contact and we've started to communicate over emails and also over the phone. 
- XXXX : The document has delays to arrive, plus I had to travel due to family emergencies, so this delayed the whole signing process, but XXXX insisted that we shouldn't worry about it. I have emails to prove this. 
- XXXX : We were able to sign the document on XXXX and also realized that our credit score was going down. XXXX reassured us again that everything was going to be ok once the document was signed and our payments were going to be reported as due to the credit bureaus. 
- XXXX : We received communication from Shellpoint stating that the negative remarks are correct and that they won't be removed. 
- XXXX : We're still trying to fix the issue with no good prospect at sight.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MN)

There are XXXX identical hard inquiries on my Equifax credit report for XXXX XXXX, 2015 and XXXX XXXX, 2015 for XXXX XXXX. I have contacted XXXX XXXX and they sent a letter stating that XXXX XXXX XXXX does not show any record of requesting a copy of your credit reporting file on XXXX XXXX, 2015.
Consumer complaint received 2015-05-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY (ME)

While conducting online banking within TD Bank website, I attempted to make payment in full on my TD XXXX credit card by transferring funds from checking to CC account. Somehow the transaction of {$920.00} was processed XXXX times. After Four Weeks I recieved a message that my checking account was low in funds and I transferred {$4000.00} the same day. Also I checked the accounts and found these XXXX extra transfers totaling over 2700. I contacted TD bank online and in person at a branch office. The manage informed that the problem would be resolved ASAP .. Now it is week later and I returned to the same TD branch and the Manager contacted the cc department and was informed XXXX to XXXX additional days for a refund to be transferred This is unreasonable to wait so long for my money and to deal with a computer glitch.. Can you help me
Consumer complaint received 2015-04-07
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: NE PROCESSING LLC (UT)

I 've received phone calls from am unknown number and then they started calling from a bunch of random numbers : XXXX, XXXX. The unknown number said that they are going to serve me with papers unless I call this XXXX number and make a payment. I have no idea what they 're talking about.
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear Sir or Madam, I am writing to you to report a serious issue that I have with my mortgage lender. On XX/XX/2021 after a discussion with the Loan Processing Officer, XXXX XXXX, XXXX # XXXX from Bank of America I decided to apply for a mortgage refinancing. One of the major financial incentives to apply was the fact that I could go through a XXXX process, with which I could avoid paying the transfer tax, an amount of {$14000.00}. After waiting more than three months to complete the XXXX process, Bank of America informed me that we are ready to close the loan and the sent me the Closing Disclosure, where there is a charge of {$13000.00} for the transfer tax! Two weeks ago I had contacted their legal counsel who was handling the XXXX process and they had informed me that my file was clear. On XXXX when I first talked to the above loan officer, he had told me that I will not have to pay the transfer tax since we are proceeding through XXXX. Today I am charged not only with the transfer tax but also with all the legal fees for the XXXX process. I feel I have been deceived and I would like your help to investigate this case. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

Creditor XXXX is reporting to all XXXX credit bureaus, but Equifax is refusing to or there is a communication error reporting the account to Equifax. Ive had this account for multiple years and this account was on Equifax at one point not its not reporting. I contacted the creditor multiple times and they advised that the issue is on Equifax end. They report every month to all three bureaus. I need Equifax to add this account and history to my report ASAP.
Consumer complaint received 2015-10-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (CA)

Upon inspecting my XXXX Credit Report for Hard Inquiries, I found several items that I had never applied for, in this order : TD BANK XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. 

I never authorized these companies to pull my credit information, and have never filled out any forms or applied for any of their credit services, yet they have all made hard inquiries on my credit report. 

I 'm not sure if they are someone else 's accounts and being reported on mine, as my credit reports do not indicate that I have accounts with these businesses ; only that they are making hard inquiries on my credit report without my permission and damaging my score.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

i Have several credit inquiries on my credit report that i did not authorize, i disputed the inquiries and got a response bac in less than 24 hours stating that items had been investigated and they were factual, this is incorrect listed below are the inquiries 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 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 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Since XX/XX/XXXX I have been sending certified letters to Capital One. I have sent them a Good will letter asking for forgiveness on Late payment from XXXX to XX/XX/XXXX. Be removed off my account and that they update it with the credit bureau because under the FCRA its no law that that requires them to report them. I was told first that they requirements was to have a hard ship. I explained my Financial hard ship at the time and they told me that it was not considered a hard ship. I also was told that per Capital one policy they dont remove anything prior to XX/XX/XXXX. I then looked up this policy and XXXX that Capital one does not have a such policy. I have also emailed the CEO XXXX XXXX and yet to get a response email. As a consumer I have been granted two credit increase with Capital one within the last year. Information is reporting inaccurate on Credit bureau. As a consumer Capital one is in violation of my rights as a consumer as well as XXXX and XXXX. Capital One need to also explain the letter that they send about There are no delinquencies reporting for the month ( s ) of XX/XX/XXXX- XX/XX/XXXX. When I have never sent them anything about these dates. Which makes me believe they are not fully reading my correspondence in regards to this complaint or certified letters I have mailed them. Which is in accurate about my account 15 U.S. Code 1637 - Open end consumer credit plans 15 U.S. Code 1638 - Transactions other than under an open end credit plan 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666a - Regulation of credit reports 15 U.S. Code 1666b - Timing of payments 15 U.S Code 1681c- Requirements relating to information contained in consumer reports
Consumer complaint received 2015-08-25
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We sent a payment to the wrong vendor {$2600.00} Dated XXXX/XXXX/2015 Check # XXXXBank of AmericaXXXX XXXX XXXX Tx XXXXBank of America did cash the check on XXXX/XXXX/2015. After contacting Bank of America they promised to look into and do all they could to refund us our money. After numerous attempt they would not follow up with us and would not refund us our money.
Consumer complaint received 2015-04-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

After XXXX years of banking with Bank of America and being a GOOD customer, i made XXXX mistake and now they are treating me like a CRIMINAL! I am NOT a criminal, i have a good hard working american and deserve to be giving a XXXX chance for this dumb mistake. I have had problems getting good jobs, when i have GREAT work history and experience becuase of Bank of America putting me on XXXX and XXXX.
Consumer complaint received 2023-03-16
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. (OH)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-02-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Multiple voicemails were left with various people, those voicemails included, name, DOB and Social Security number. When I called the number that was left to me, they stated they were a law firm, and that I had to take care of the debt today. If not taken care of today ( XXXX ) I would be prosecuted for three times the amount of debt. They didnt offer any time and told me they werent a debt collection agency that could be set up with any repayment plans, that it was a law firm that was given me till end of day to repay for face legal action for various fraud charges.
Consumer complaint received 2022-08-15
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
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 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 2021-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have NEVER done business with this company ever nor the company it states it originates from. I have reached out to both and customer was rude and hung up on me as I tried to explain the truth them
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I noticed some inaccuracies while checking my XXXX report. My middle name should not be on my report. My First and Last Name and middle name initial only. Also, I am not employed at XXXX XXXX. I am requesting that this information to be removed from my XXXX report. 

On my Equifax report, my last name is spelled incorrectly. It should be XXXX not XXXX
Consumer complaint received 2023-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (GA)

I received correspondence that I owed XXXX in XXXX. They suggested that this was seriously past due. I moved to XXXX in XX/XX/2015. The letter that was sent stated that the account was opened earlier than that. I have not contacted them due to fthe fact that I do not owe this debt, and this is not my account. I would like for them to present information that aligns with their claim. Also even if this account was opened in 2015 it is well past the statue to be on my credit report.
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Last night I received XXXX consecutive missed calls from an XXXX number, I finally answered thinking it was my grandmothers life alert company. The gentleman told me he was from the CHASE fraud department and I needed to verify my location because there was suspicious activity on my account in Florida ( I am in California ) he said the call was being recorded and he would walk me through how to stop action on this and ensure the funds did not leave my account I even questioned how I would know he is indeed from the Chase fraud department and he assured me that the phone number he was calling from is the exact number on the back of my debit card I checked, and he was correct. He then proceeded to tell me to log into my mobile app so that he could prompt me to follow the steps to stop this action as that is the new process they do. He never asked me for any personal information so I didnt think anything was concerning, he asked me to input my personal phone number in XXXX as a recipient and when a XXXX prompt popped on my screen and I questioned it, he told me that was the woman in Florida trying to take {$2000.00}. I started to question this and he hung up the phone and before I could even realize what in the XXXX was happening {$2000.00} was missing from my account. I tried to contact Chase last night and the fraud department was closed so I contacted them first thing this morning to file an online fraud claim and they basically told me there was nothing they could do since money wasnt taken directly from my account and it was through XXXX a third-party, therefore the money was non-recoverable. I thought large bank institutions covered me through fraud protection, I was completely taken advantage of and I have never felt so invaded in my entire life. I am a single mom with XXXX XXXX XXXX old XXXX and now I am missing {$2000.00} with no support recovery. I have filed a complaint with XXXX, Chase, and I have also filed a police report. Please, please help me or let me know if theres anything else you need on my end. Below I will include the case number for the police report Case # XXXX
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I was checking my credit report and I see there were a few late payments. This information affected all my credit history. I was paying as agreed all the time. I always responsible and taking care of all of my payments. I believe it was something wrong with the payment system maybe. I would like to ask you to remove these late payments from my credit history. I promise that I will make payments on time. Thank you!
Consumer complaint received 2022-02-07
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. (CA)

AFTER REVIEWING MY CREDIT REPORTS I NOTICED THAT YOU ARE ALLEGING THAT THE FOLLOWING ACCOUNTS ARE NEGATIVE WITHOUT FUNISHING ANY PROOF OF VERIFICATION OF THIS DEBT OR THAT YOU FOLLOWED ALL LAWS AND REGULATIONS TO REPORT THEREFORE YOU MUST REMOVE ALL NEGATIVE AND ADVERSE REMARKS