davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
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: Experian Information Solutions Inc. (GA)

I am wanting to get these inquiries off my credit report because I DID NOT authorize these companies to run my credit. I have filled out an FTC report that is attached as well. 

Companies : XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-02-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc. (CO)

On XX/XX/XXXX, we contacted XXXX, Dovenmuehle Mortgage , Inc. because we realized that we were not going to be able to make the monthly mortgage payment of {$2300.00} because my co-borrower has lost his job. At which time they had me complete a Loss Mitigation Assistance Application and that once we were in the Loss Mitigation process they would not be reporting us a delinquent. The application was completed and on XX/XX/XXXX they put us into an FHA Special Forbearance which started, on XX/XX/XXXX, in which they stated the payment would be Zero. However, even though we were told that we did not have to make any payment we continued to scrape together the full monthly payment of {$2300.00} each month at the cost of our other obligations not being met. Then on XX/XX/XXXX, we received a document named FHA HAMP Modification and Partial Claim, which states " The first modified payment, principal, interest, taxes and/or insurance in the amount of {$1600.00} will be due XX/XX/XXXX. Since that date, there have been no late or missed payments. I have continued to call and email them, receiving multiple promises to get our credit reports corrected as they are showing that we are 90 days for the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX as 90 days late. When I call the people I speak to look at the payments received and can see that nothing has been missed since XXXX and XXXX of XXXX. On XX/XX/XXXX we called them again and were told again that the research department would look at it and get back to me. We have not heard back from them and it has been over a week. So we called again today and were left on hold for almost an hour, we asked to speak to a supervisor and the call was transferred to the Escalation Supervisor Team and we were hung up on and did not receive a call back after. We have done everything that they have asked us to do and they continue to not get this matter handed and it has been almost a year that they have been reporting us as 90 days delinquent. This is unfair and wrong. Please help me get this matter resolved.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital one froze my account wrongfully because sba deposited XXXX dollars in my account they said i didn't have actual buisness. I applied under sole proprietary. I reached out to individuals at sba they helped me and walked me thru steps to get loan forgiven and it is .I have documents to show that the money capital one is holding is mine and I don't give them permission to hold and want it released at once they still have in there possession as of XX/XX/21. The credit institution which i got loan from is happy and im good standing and have reached out to lend me more money. I have documents for that .Now my buisness is llc which it wasnt mandatory for loan and I have documents to prove that also. Capital one wouldn't respond to my call or voicemail I reached out over 40 times i have proof of that also.My loan is forgiven by the sba i have documents to prove the money they are holding is mine and want it returned ASAP. Sincerely yours XXXX XXXX.
Consumer complaint received 2019-10-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: United PanAm Financial Corp. (NJ)

I paid my car off early and i have my title already and it is still appearing on my credit report now appearing as late payments I tried to dispute it and it has came back as even later now I have all documents if you need me to send you copies thank you
Consumer complaint received 2021-09-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2021, I contacted The XXXX XXXX to pay off the {$560.00} debt that was claimed on my credit report. I was given the runaround by their automated system, and was forwarded to XXXX XXXX XXXX. So XXXX XXXX XXXX did not have any details about my account and I was told to call The XXXX XXXX back with a blocked number, by dialing XXXX first then their number. Well, I called The XXXX XXXX with a blocked number, this time, and got to them at last. But, XXXX XXXX XXXX told me that they don't own this debt any more and that the Synchrony Bank owns this debt, and so there is no way for them to accept a payment from me. Ok, so I filed a dispute on XXXX to get them off my credit report. The dispute was rejected because The XXXX XXXX somehow proved that they own this debt. So, I called XXXX and told them this story. I was advised by XXXX to escalate this issue with FTC. I hope you can help me out. Thank you in advance.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BUDGET CONTROL SERVICES, INC. (CO)

The company Budget Control Services continues to report a debt discharged in bankruptcy as open. When I called the company regarding this recently they said they knew it was discharged but that they would continue to report the debt on my credit report as a {$0.00} open delinquency. When I told them that this in violation of Federal bankruptcy law and the FCRA they said they knew and didnt care. I have so many communications from them where they admit to violating the laws the penalties are going be numerous. XXXX is at fault because they continue to let this debtor break the law. Debts discharged in bankruptcy should not be appear as active delinquencies with a current negative pay status on a credit report. Customer services behavior and refusal to remedy the issue even when given supporting evidence has been discriminatory. My husband who is XXXX also filed bankruptcy with me and all items were fixed immediately.
Consumer complaint received 2018-01-14
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. (GA)

Students loans duplicated and were paid off showing on credit sent dispute to have them removed. Still showing need to be removed. 

XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$750.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00}
Consumer complaint received 2022-08-10
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)

Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts.The original creditors and Transunion have ignored my request for verification and Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name XXXX XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?
Consumer complaint received 2019-10-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (NV)

I applied for a loan and got the amount of XXXX dollars on XX/XX/XXXX. I then tried to ask for an extension or a lower amount owed on XX/XX/XXXX. They did not allow that and stated : We apologize for any inconvenience, but we are unable to honor your request at this time. 

Your next scheduled payment will be automatically debited from your account on XX/XX/2019 In the amount of {$150.00}
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

Update for OBM  XXXX   XXXX  I initiated a meeting with  XXXX  from  XXXX    XXXX   XXXX   months ago, to settle this matter out of court. She said fine she would call with a date and time. Since then, I called  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  at  XXXX    XXXX   asking for a payoff amount. On  XXXX   XXXX ,  2017  my vehicle was repossessed. without warrant. I 'm pretty positive  XXXX  had something to so with this.  XXXX  told me we would settle this issue and I was n't making anymore payments till then. I have never been late since my contract started! I have always paid on time, and they ruined my driveway, tore up the entire right side of my yard. Now, I still have n't closed on the property and it 's in Underwriting.   Her neglect has impacted my well-being. The  XXXX  in unbearable, affecting my health issues. They took my vehicle to the Auction the same day. I also asked  XXXX  who her  Superior was and she refused to tell me, stating she did n't have one.
Consumer complaint received 2021-01-20
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: EQUIFAX, INC. (NJ)

Please help me. I recently reported a fraudulent account to the FTC and I am now submitting this complaint so that this account can be removed from my report. I am trying to pursue a new business venture and this account is really hurting my report. Please remove it as per section 605 of the FCRA. This account must be blocked and removed within 4 days of receipt of this dispute.
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Knight Adjustment Bureau (VA)

In XXXX, I had a collection account appear on my credit file from Knight Collection Bureau with the original creditor being XXXX XXXX. I have never heard of either of these companies & was extremely shocked when I saw this appear. I DID NOT receive any type of letter letting me know about this debt & the collection company reported to the credit bureaus without notifying me first. By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collector 's initial attempt to contact you- this was not done & the collection agency needs to be held accountable for this failure to comply, along with the many other regulations both companies have failed to comply with. 

As soon as I saw the collection account, I contacted XXXX XXXX Knight Adjustment Bureau by sending them a debt validation letter, I also let them know I had no knowledge of this debt & it didn't belong to me. Once I received information back from XXXX, I learned what the debt was for & reviewed the contract they sent me, which was a digital contract with a digital signature. ( Please note : none of the contact information on the contract matches my information, from the address, to the phone number, to the bank account used for the original payment- none of it belongs to me. ) This account was created fraudulently, without my authorization or knowledge. I did not receive any goods or service, I had no benefit of any type from any merchandise they provided a line of credit for, nor did I even know about this debt until over 1 year after the fact when it reported negatively to my credit. 

I submitted a credit fraud form with the company & they refused to investigate it because I wouldn't provide them with PII via email due to already existing concerns with my personal information being compromised. 

Knight adjustment bureau removed the collection account then added it back KNOWING that I had submitted a fraud dispute with the company. I froze my credit file, I submitted a fraud alert, I submitted disputes with the credit bureaus, alerting them to the fraudulent activity. I filed an identity theft report with The Federal Trade Commission, then submitted that information to them. I have devoted many days & many hours trying to resolve this, it has been going on since XXXX with absolutely no resolution. Both companies are failing to comply with the laws & regulations they're bound by.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

3rd try - This is not going away! You last response saying the 2nd was a duplicate is further proof of your lack of concern into fixing this problem.

You ONLY allow the minimum payment. This is NOT acceptable If this is not resolved after this 3rd complaint I am taking this to the next level of exposing your company lacking the ability to service a negative amortization loan. 

Only being able to do the minimum payment force the negative amortization amount into arrears.. 

A complaint has also been submitted to XXXX XXXX so they are aware of RushmoreLM being behind technologically. 

Rushmore LM does not know how to properly service negative amortization loans. I am only allowed to pay the minimum payment on line - not even the statement shows the negative amortization payment amount. I have to call and spend 30 to 45 minutes with them every month to make my payment because they are not equipped to handle the payment online or by mail. Companies like this should not be allowed to handle loans they are not suited for. I understand the loans can be moved however it should be mandated that the new company knows how to service the type of loan the consumer has. Rushmore LM does not allow me to execute the options of my negative amortization loan. They only allow the minimum payment. This is NOT acceptable
Consumer complaint received 2017-06-17
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: BARCLAYS BANK DELAWARE (NC)

Brclysbankde   XXXX , DE  XXXX  (  XXXX  )  XXXX  I have called and told them that someone tried to open an account in my name and they refuse to let me talk to the department that would take this off my credit report. I have never applied for this place. I am not even sure what it goes to. OPPlease take this off all my credit reports.
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have attempted to contact the credit bureaus o n   XXXX   XXXX   requesting proper documentation for the things that have been reported. I did not receive a response, on   XXXX   XXXX   I called all three bureaus they stated they would pro vide proper documentation within 30 days and I have received nothing.  <P/>   XXXX  - {$3200.00}, {$2900.00}, {$1300.00}, {$2100.00}, {$1500.00}, {$2000.00}, {$950.00}, {$1900.00}, {$140.00}   XXXX   XXXX   - &  XXXX ,  XXXX   XXXX   XXXX   XXXX   - {$460.00}  XXXX - {$710.00}   XXXX   XXXX   - {$1200.00}  XXXX - {$620.00}  XXXX - {$140.00}   XXXX   XXXX   XXXX  - {$150.00} & {$110.00}   XXXX   XXXX   I feel my rights under the FCRA had been violated because I was denied copies of documents that were supposedly used to validate accounts and public records on my bureaus
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX sued me for charges they agreed to credit me. They took {$130.00} that was left to credit and drove it up to {$7700.00}. The court dismissed their case. The negative report is still on the credit bureau. I submitted the court order to Experian. They are not doing anything. I spent the whole day trying to add to the dispute letting them know again about the court order and sending the order again. I tried different browsers. The twenty times or more I tried to submit it, it erases everything. I start over and over and over and get the same results. 
Experian has the Court Order I mailed to them XX/XX/24. I tried to upload it for you but it won't attach.
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called Bank of America to report the fraud. There is a charge of {$7.00} posted to my account on XX/XX/2021 with the description " XXXX XXXX XXXX NY ''. It is already pretty apparent that this is fraud, because if the newspaper subscription was from a company like XXXX or XXXX  XXXX, it would actually mention the name of the company in the description of the charge. Here, it just says XXXX XXXX XXXX  without mentioning the name of the newspaper. I tried calling the number given in the description, and what happens is that, for a split second, it looks as if someone picks up the phone, but then the call gets immediately hanged up. Bank of America told me that they were going to issue me a refund and send a new credit card, but I wanted to report this incident, because after making some XXXX searches, I saw that I was not the only one who was targeted! I saw some forum posts, where other people describe a similar issue. It also looks like they are pretty smart about who they are targeting : they seem to be targeting only people who actually have some sort of real newspaper subscription ; my guess is that they are hoping people would just not notice the charge on their account, or would notice but gloss over because they do have a real subscription after all. THIS LOOKS LIKE A SOPHISTICATED ATTACK. PLEASE DO GO AFTER THEM. PLEASE.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I pay for credit report access from  XXXX . They reported my score as  XXXX . I requested a loan and they reported an   XXXX   score of  XXXX . My bank offers free  credit score information. It said my Trans Union score w as  XXXX ,  XXXX   XXXX . Why the significant variations in my score? Why are the scores I paid for inflated or the scores reported to lenders undervalued? I feel like its intentional to offer me terms that would cost me more.