davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This does not fit this category but is related. When refinancing my mortgage 9 months ago, I could not get the lowest rate due to multiple inquiries by a Auto Dealer ( XXXX XXXX 's XXXX XXXX ) that ran my credit report XXXX time for XXXX transaction. Since then I signed up for XXXX XXXX to monitor my credit score. My mortgage broken called and ask if I would like to re-finance again as now my credit score is higher and I cab get a better rate. From XXXX XXXX and my XXXX XXXX I knew credit score had improved. As of XXXX/XXXX/15 XXXX reported : TransUnion XXXX, XXXX XXXX and XXXX XXXX ( TransUnion ) XXXX. The notice from the mortgage broker listed my scores as XXXX XXXX, TransUnion XXXX and XXXX XXXX. 
Why are my scores different based on who is inquiring? A score is a score and should be the same no matter who inquires. I believe there is an unjust manipulation occurring. Also the reason for my credit score are also reported differently.I have too much available credit, but my outstanding balance to my available credit ratio is too high. If I reduce the amount of available credit, it impacts my outstanding balance to available credit ratio will increase. I have a derogatory public record or collection filed on my report. This was due to a medical bill that I was paying to the provider over a number of months. I was making payments, but they sent the account to collections. The collection company would not send monthly statements ( they do n't send monthly statement ), so I refused to pay until they did, they did and I have been making payments. I disputed with all XXXX credit reporting companies, only XXXX granted the request and has removed the dispute from my report, thus the higher score from XXXX. I do n't mind playing the credit score game, but the rules need to be fair and consistent.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a dispute on XX/XX/XXXX to CFPB against the company XXXX XXXX In my complaint I advised for XXXX XXXX to investigate to why they are still reporting over 7 years account on my credit file and they responded on XX/XX/XXXX that they can't located the account number ending in XXXX and account ending in XXXX that is being reported on my credit file. these account are not mine and I don't have any knowledge of opening these accounts. I will like proof of payments and the company failed to provide payment history for XXXX and XXXX. Please reinvestigate this account due to violation of statue of limitation FCRA and delete/remove immediately Thank you
Consumer complaint received 2015-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

Line of Credit was discharged in bankruptcy. 

IndyMac Bank ( now owned by OneWest ) did not and will not remove a lien they have on our home despite the fact that they themselves acknowledge that the debt has been discharged, there is no account for the collection of the debt, and they have reported to the IRS that the debt was cancelled. 

( Letter and XXXX from IndyMac are attached. ) Beginning in XXXX 2014, despite numerous attempts by us and by XXXX attorneys whose assistance we sought to resolve this, IndyMac and now OneWest are unresponsive. 

We can not refinance or sell our house because of the lien. This is causing a financial hardship.
Consumer complaint received 2016-12-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Keith D. Weiner & Associates Co., L.P.A. (OH)

For the second time, I have been " bullied '' into dealing with a law firm that is a collection agency. This organization has very poor customer service, does NOT work with the consumer because of extenuating circumstances, garnishes the wages of the only wage earner in the house. I have dealt with this organization before and even after making unreasonable efforts to pay, they still garnished wages and caused further hardship to our family.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I called XXXX  to discuss and dispute inquiries stating, " I was apart of their, " inquiry issue. '' One representative told me that, " they could not help me in the matter '', and that, " I was not apart of the inquiry scandal '', after calling, being re-routed, and hung up on, about ten ( 10 ) times in a row. These inquiries were deleted, then re-inserted onto my credit report, all done by XXXX  employees and/or A.I.. I gave them a list just to have them say that they can not help me. I have an inquiry identity theft report filed with the FTC and told them this. They refused to listen. What does it take to get these inquiries removed from my credit report after consulting the attempted creditor and furnishing the FTC identity theft fraud, inquiry documentation required by them, only to have most of them take longer than 30 days to respond or not respond at all. 
Inquiries and dates are as follows : XXXX/XXXX  : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX   XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX  : XX/XX/XXXX, XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX, XX/XX/XXXX, XXXX : XX/XX/XXXX Listed above are all inquiries questioned and hopefully now disputed, on my credit report . I am attaching my FTC identity report for review and deletion purposes. Please remove all of these inquiries immediately per FCRA regulation and enforcement.
Consumer complaint received 2020-10-17
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 called XXXX  to discuss and dispute inquiries stating, " I was apart of their, " inquiry issue. '' One representative told me that, " they could not help me in the matter '', and that, " I was not apart of the inquiry scandal '', after calling, being re-routed, and hung up on, about ten ( 10 ) times in a row. These inquiries were deleted, then re-inserted onto my credit report, all done by XXXX  employees and/or A.I.. I gave them a list just to have them say that they can not help me. I have an inquiry identity theft report filed with the FTC and told them this. They refused to listen. What does it take to get these inquiries removed from my credit report after consulting the attempted creditor and furnishing the FTC identity theft fraud, inquiry documentation required by them, only to have most of them take longer than 30 days to respond or not respond at all. 
Inquiries and dates are as follows : XXXX/XXXX  : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  XXXX  : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX   XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX, XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX, XX/XX/XXXX, XXXX : XX/XX/XXXX Listed above are all inquiries questioned and hopefully now disputed, on my credit report XXXX I am attaching my FTC identity report for review and deletion purposes. Please remove all of these inquiries immediately per FCRA regulation and enforcement.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

I am a XXXX senior on fixed income. On my Chase accounts, I have my daughter as secondary. I have complained about this before to you, BUT issue persist!!!! Because of my poor vision, I need paper statements. My daughter prefers paperless. SO, issue is the bank makes my accounts paperless also!!!!! As I stated I have complained before to bank & through your system. Since I am " Primary '' on the account I want my directives to be respected & honored!!!! With today 's technology, there should be a way for this to occur! Please can you help?
Consumer complaint received 2016-12-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XX/XX/XXXX, I 've noticed that even though I have been paying more than my minimum payment amount and paying it on time, my balance was slow to go down. When I checked my account, I noticed that my fixed interest rate of 10.99 % ( since XX/XX/XXXX ) was moved to an interest rate of 11.15 % variable. I called Bank of America to ask why my interest rate was switched from a fixed to a variable when I have never not paid my bill, always paid more than the minimum amount and always paid on the due date, Bank of America told me they just did it to me. I asked them was n't that against the law, especially since they never even notified me of hiking up my rate? They apologized and acknowledged that they never notified me and will now send out something to me in the mail. Is this legal? Can they get away with stealing my money like this? I need help in resolving this. Bank of America can not just switch my fixed APR from 10.99 % to a variable, when I did nothing wrong.
Consumer complaint received 2016-04-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (NE)

I have not been contacted by this collections company ; however they are on my credit report. They have been in legal trouble with the federal government for this exact same thing before. This medical debt is not mine and they are using XXXX different company names for the same " debt. '' Central Financial Control on XXXX and Syndicated Office Systems on XXXX. False debt, no contact with me, yet they are on my credit report.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 2016-02-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

I have XXXX primary forms of Health Insurance and was told XXXX XXXX XXXX XXXX XXXX XXXX accepted and would process my claims thru each of the health insurance companies. I have contacted XXXX XXXX several times and received XXXX cooperation from administration. All Items and equipment was returned and no longer deal with this provider. I have found a medical provider that has accepted my XXXX and XXXX as full payment! Please contact me if you have any questions. Thank you.
Consumer complaint received 2023-03-17
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. CAPITAL ONE XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2023-03-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and was told I had to have Gap coverage in order for Wells Fargo to approve my loan which I didnt understand at the time because I had my own insurance and couldnt afford additional coverage but was told since I had a high interest rate my insurance wouldnt cover the loan in full if I was in a accident because my vehicle would be upside down and I would owe more then what the car was worth so thats when I signed the policy for Gap insurance in the amount of {$990.00} extra that would be attached to my auto loan/contract per Wells Fargo Bank which I learned today when I contacted Gap to cancel my policy since my car has been charged off as of XX/XX/XXXX and was told to get another loan, trade it in for another car or sell it so I can give them their money which i feel has been wrongfully charged off when Ive attempted to pay them on a few occasions or defer my payment which they didnt approve or accept any of my payments or did their customer rep help me with seeing that my payment would be collected instead she laughed at me while I was crying on the phone trying to get my payment to the bank so my car wouldnt be charged off but they didnt care. When I called Wells Fargo executive today to find out the pay off they gave me a incorrect amount and didnt deduct the extra amount for Gap Ins and was told per XXXX that because car was charged off I may not get a refund or I may have to pay a penalty which was incorrect & was told from Gap that was not true. They are a separate company which is my choice to pay this additional amount. I cancel my Gap ins and immediately contacted XXXX who was now very nice and apologized for being told this was mandatory. She will further investigate this matter that was not handled properly and how dare them treat me this way especially because Im on XXXX and live on a fixed income which I told XXXX XXXX but cant afford Any additional fees not necessary which is proof this policy was not needed and was an option but according to the finance dep it was necessary in order, to secure my car loan.
Consumer complaint received 2016-09-27
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (MN)

I reported this to the office of the MN State Attorney General and they have suggested I also report it to you : American Express Customer Relations XXXX, UT XXXX I requested a card at XXXX, which has not yet been received. So, I went to XXXX and purchased one in the store and put {$300.00} cash on it. 
XXXX on XXXX/XXXX/2016 TC # XXXX AMEX BB XXXX {$5.00} on receipt The physical card 's packaging UPC is XXXX Card # XXXX Valid Thru XXXX CID XXXX Because the one I requested online is associated with my phone number, I ca n't set the physically purchased one up online for my personal management. 

ISSUE # 1 I bought the card for the sole purpose of retaining services from XXXX XXXX XXXX. They attempted to charge {$290.00} and it was declined. I went back to the XXXX store and spoke with a manager. He said there 's a " hold '' while it transitions through the banking transfers. He checked the card balance ; {$5.00} remaining. 

There is absolutely no way for this " hold '' of {$290.00} to be received by XXXX XXXX XXXX. So, where is my {$290.00}? I am so disgusted with this matter ; I am reporting it to the State of MN and the FBI immediately. 

XXXX XXXX, MN XXXX ; XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (TX)

Two months late on a payment and was notified by mortgage company that we were eligible for refinance, re-modification and/or forbearance. After submitting the documentation was submitted within 2 weeks, we have received on numerous occasions that our packet was incomplete. After complying to their request, upon being told, it was lost or misplaced, and submitting it again, a final response to re-modification was provided. Please note, however, that this took 4 months of resubmitting it, and only to discover there was XXXX block on the XXXX form that was not checked. The representative we were working with from the mortgage company, realized the mistake, called us to fix it and return it. Again, I did that within the hour. This was taking place while I was communicating with XXXX regarding this situation. Being a member with XXXX, they have an advocate to help assist with with any problems that may arise. We did so. Apparently, it was n't until XXXX made phone calls that this representative finally processed the paperwork. The answer we received was that i was n't approved. The answer was that our mortgage was past due more than 60 days. I had made XXXX payments, XXXX and XXXX, only to have it returned to me. Apparently, I did n't make the right payment amount. Due to their negligence in processing the documentation in a timely manner and 'acting in good faith ', which caused a delay in processing the documentation, the home is now in a foreclosure status with a law firm. I do n't understand how, when I made payments only to have it returned, notification of refinance/re-modification approval, submitting documentation numerous times, and now not approved, we get stuck with paying the large amount of payment and lawyer fees, all to be paid within 5 days. 

PHH mortgage has been improperly handling, misleading, and in an untimely handled our case. 

XXXX, is NOT a PRO military corporation. I know that, because my husband is currently in the XXXX and has been with XXXX for 28 years. Financing our home with XXXX only to find out that they had sold it to PHH. 

XXXX has communicated to us, that at this point, they can no longer assist us.
Consumer complaint received 2018-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Enterprises, LLC (CO)

Revenue Enterprises {$1000.00} Origin was for the XXXX XXXX Colorado it was in XX/XX/2014. This Bill was for the XXXX XXXX back in 2014 I was XXXX Years old at the time and my mom took me to the hospital so I am unaware of what type of insurance I had. I have not received notice of this collection, I am young and I did not know about credit scores or how any of it worked. I have recently started to look into my credit and want to get back on track and fix my credit score.
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IA)

I have no bills or billings from XXXX XXXX Card. I have applied 3 times for my card back after being with them 9 years.i filed Bankruptcy which was XXXX divorce action in Federal Court. i was stuck with all billings. XXXX XXXX directly upon calling all they could say is YOU filed Bankruptcy. I never filed on them and they never got an inclusion letter to be in federal court. Their action on me through Equifax has devesated my credit and personal actions as a respective citizen. Equifax is say i have a derogatory report and owe XXXX XXXX money. I owe XXXX XXXX NOTHING i paid their amounts with my Debit card and proof from XXXX XXXX and XXXX bought got paid when they contacted me. I paid late charge on both. XXXX XXXX {$49.00}, XXXX {$8.00} and XXXX XXXX {$56.00} ... This is {$100.00} and XXXX was to be challeged disputed But XXXX XXXX refused service that day when they canceled me. I never recieved any merchandized even to this day. All information on Equifax is corrupt and highly disputable in Federal Law.