davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: OpenRoad Lending (OH)

XXXX XXXX XXXX XXXX Open Road Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was sent a letter by my local bank offering me a loan for my 2016 Kia Soul. I went to my bank got the loan and purchased automobile. I never authorized or called any of the above companies to run credit checks on me. My bank said they do not sell my information. The companies below were not authorized to run credit checks on me. I contacted them and they want me to file identity theft when that is untrue. My credit rating dropped XXXX point after these were preformed. have contacted each company demanding proof with original signatures and contracts, paperwork etc. They said no we will not cooperate I need them to remove all info from all credit reports due to damage to credit rating. Its there fault I want them to fix it or I will seek legal action
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX  account number XXXX In litigation for vehicle illegally repossessed constant harassment from collectors XXXX XXXX account XXXX Account isnt mine never authorized the account XXXXXXXX XXXX  account XXXX Never had account and it says account is XXXX XXXX XXXX but keeps getting sold to new collector All 9 inquiries are potentially fraudulent as I havent tried to use my credit in three years
Consumer complaint received 2015-07-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I contacted protfolio recovery services in regards to XXXX debts that were showing on my credit report. While on the phone with portfolio r/s they told me they have " XXXX accounts on file '' XXXX of which were time-barred debts I had no knowledge of. After requesting Information on XXXX debts that were NOT time barred and may be valid, I hung up with portfolio r/s and called my wife to inform her of what I found out. I have just found out that after that conversation ; my wife called portfolio r/s and they discussed these debts with her. Portfolio r/s did not have my permission to speak with my wife in regards to debts that were not " shared '' debts. I feel portfolio was attempting to obtain acknowledgement of time-barred debts ( which I still do n't believe to be real ) in order to sue on debts I do not owe. I found this out today- XXXX XXXX, 2015 after receiving XXXX dispute letters in the mail- XXXX debts I was seeking validation on and XXXX time-barred debts I never discussed with portfolio recovery services.
Consumer complaint received 2023-03-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX acc XXXX name/ XXXX XXXX acc XXXX name XXXX XXXX svc XXXX XXXX name XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this NEEED EVRTHING REMOED IMMEDIATELY WITIN XXXX TO XXXX DAYS THANK YOU
Consumer complaint received 2020-11-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MI)

Complaint XXXX was submitted XX/XX/2020 by the attorney for XXXX XXXX and XXXX XXXX. Quicken loans did not adequately respond to the issues involved. Quicken has been violating both State and Federal Laws without any consequences. The response they sent was that they refused to deal with a duly licensed attorney in this matter. Part of the issue in brokering this loan was going around the attorney of record and strong-arming the client to execute documents. Quicken denied legal counsel to the borrower. They incorrectly applied the deposit on the loan. Took money that was not owed and XXXX XXXX. Quicken has violated 18 USC 134, 18 USC 1343, 18 USC 96, as well as a litany of laws related to money laundering. The letter sent to the CFPB in response was in adequate. Quicken merely stated that XXXX XXXX XXXX attorney-at-law ) was not listed on the documents. XXXX XXXX XXXX is the attorney-at-law and in-fact for both XXXX XXXX and XXXX XXXX. They must respond to the substantive issues. 

Also, Quicken sold the loan. If Quicken did not disclose to the buyer the fact that the loan amount was in dispute, many other laws were violated. Quicken would be subject to securities fraud statutes, and the loan does not qualify for sale treatment under FASB rules. As a result Quicken 's financial statements must reflect the liability or it has filed fraudulent statements with the SEC.
Consumer complaint received 2016-10-16
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE (RI)

On XXXX, I was referred to XXXX XXXX XXXX, a Senior Loan Officer at PRIMARY RESIDENTIAL MORTGAGE in Rhode Island. However, this individual never made telephone contact with me, our only form of communication was via email. Initially, she had me and my wife fill out a pre-qualification mortgage form. After filling out the form in entirety, including information about my RACE ( XXXX ) and military status ( Veteran ), the loan officer emailed me back. In her email she made very rude assumptions about me and my wife and was also very rude. Attached below is her email to me and my wife with our names deleted for security and privacy reasons. 
" Attached is your credit report to check out. 
Here is what I see : You are having your credit pulled over and over again, hoping for a different answer about buying a home. I suspect, you are getting rejections and maybe some suggestions. 
Here is the bottom line : ____ has a sub-par credit rating at the fico score of .... '' As you can see from the beginning of her email, she was very rude and condescending. I would for this officer to make anyone else feel the way she made me and my wife feel.
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

I have contacted Sagestream several times and no one answers, voicemails do not get returned, and its pretty annoying i submitted a simple request so not sure whats taking so long to receive confirmation. Maybe submitting it this way will get the result. Hopefully this is the last complaint I have to make because i DEFINITELY sent my ID with my request last time when they are claiming I didnt just so they dont have to do it.
Consumer complaint received 2015-09-03
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XX/XX/XXXX my husband and I took an equity line of credit with Bank of America. We had a pre-existing 2nd mortgage with them for {$120000.00}. and a {$530000.00} 1st mortgage with XXXX XXXX ( whom is not XXXX XXXX ). At the time, the appraisal came in at {$750000.00} and so Bank of America gave us a new 2nd mortgage at {$210000.00}. 
We did not know that we could not finance 100 % of the equity in our home. We still have the XXXX mortgages with an appraisal at {$580000.00}. I am only paying interest on the Bank of America loan and I have modified my mortgage payment 2 years ago. I tried to modify it again but was unable because they could not lower my payment to the govt. percentage rate. That is when I learned that I should n't have been able to finance to 100 %. I did all the mortgage application through a salesman that had contacted me by phone and thus the mortgage is in my name only ( we really do n't understand why ). 
At this point, my salary is XXXX of the amount it was in XXXX am a XXXX and my reimbursements from the XXXX is the reason for the lower pay. I am taking classes to obtain a XXXX in XXXX but I am only partially into this program. When I finish, I have {$95000.00} of student loan debt to begin paying also. This is why I tried to modify again ; I sent paper work in once using my salary and a contribution from my husband 's and I was denied because they said I did not make enough money. I reapplied and tried to have my husband 's name put on the mortgage and was denied again due to not meeting the govt percentage requirement. XXXX told me that I can not add his name without refinancing and we would be denied for that. 
Yes, we were stupid like so many others. We are hanging on and I am afraid to even contact Bank of America for fear that they will want me to give back a percentage of the 2nd mortgage. We have no savings, living week to week so there 's no possible way we could handle that. My office is in my home so even if I was to downsize my home, I would have to lease office space so I ca n't win. 
2 years ago, I had to file Chapter XXXX bankruptcy for myself because of the loss of income. The attorney at that time was not a mortgage attorney but felt that there has been some questionable activities in loaning us money. I can not afford to hire another attorney to investigate especially when XXXX XXXX says there is nothing that can be modified. 
Is there?
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I AM XXXX XXXX A NATURAL-BORN PERSON. " In light of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past 3 months, I have made several attempts to remind EQUIFAX and XXXX of their duty pursuant to 15 USC 1681. It appears that Equifax is intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, and promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A5 ) says that after the reinvestigation ... .... all of the unverified information must promptly be removed. They can see in their system that this account was previously disputed without being verified. Equifax AND XXXX have violated my right to privacy I NEVER GAVE THEM Permissible purpose to Furnish any information on my behalf. under 15 USC 1681 ( a3 ) .They assumed this role without permission. They did not have my consent. They do not respect my right to privacy which is under 15 USC 1681 ( a4 ). The accounts being disputed are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Accounts disputed with XXXX are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-27
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)

Complaint is with Transunion Issue : Can not modify or even check status of credit freezes on Transunion website. Have to call instead.

There is no way to freeze/unfreeze/check status of my credit freeze on service.transunion.com, even after making an account. You have to call and be put on hold. According to customer support, this is a very common problem, and is unacceptable for any large company that has such sensitive consumer financial information.

In fact, the online freeze option has never worked for me. It always just shows a page that says " freeze status unknown '' and a link to the phone number.

As a consumer, I feel helpless to do anything about this situation- this credit company has all my information, and the least they can do is make it easy for me to do something about my information.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Incomm Holdings Inc. (WA)

We were sent a MyVanilla Debit Card in the mail that was unsolicited. It appears that someone opened up the card in my wife 's name. We contacted MyVanilla via phone and were told that without giving them our personal information, there was not a whole lot that they could do. We did not want to give them our personal information for privacy reasons. They did state that they would pass this along internally for a follow up.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (GA)

I was told that this account would be deleted because it was paid in full. 
XXXX/I.C. System account was paid off on XX/XX/2020 ( two accounts ). Total amount paid is {$450.00}. These accounts are still showing on my credit report.
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Commonwealth Financial Systems, Inc. (FL)

To whom it may concern, i received a credit alert and an email that i have been a victim of identity theft. I have also been affected by the recent credit breach. I am unaware of the account that was placed on my credit file by your company. I am disputing the error that your company has placed on my credit file. Here are the accounts that are errors. If this issue is n't resolved i will be forced to take legal actions against your company immediately upon your response. I have contacted the XXXX, and have contacted the XXXX XXXX XXXX. If this error is n't removed i will be seeking compensation through a civil courtroom for damages {$3000.00}. You will be faced with fines and several consequences due to the fact that i 'm unaware of this account and i was never contacted by no one to get my consent. 

COMMON WEALTH XXXX ACCOUNT # XXXX
Consumer complaint received 2015-08-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

I filed Chapter XXXX BK in XXXX. I made XXXX years of payments and my bk was discharged in XXXX XXXX. Chase decided to report to the credit bureaus that I was in a Payment Plan in XXXX XXXX when the debt was included in the BK and the home was sold in XXXX. This has negatively impacted my credit score as this now reflects my last delinquency is since XXXX XXXX which is wrong.
Consumer complaint received 2022-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NM)

On XX/XX/XXXX Wells Fargo called me asking me to transfer money to cover my balance the amount of XXXX. Turned out to be a fraud call. I went right away to the bank to report it .closed the account and debit card. Re opened new account made a claim to bank for fraud and loss. XX/XX/XXXX they closed the claim saying it was authorized and no processing errors. I have been with this bank for over 30 years and they can see I have never done XXXX transfers from my account. I also have a mortgage with this bank.I am asking them to fix this error that occurred and to return my loss
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I sent a letterb to all three credit bureaus and the XXXX XXXX XXXX. 
Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX, Texas XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to XXXX XXXX XXXX XXXX, Michigan XXXX Please update my name to : XXXX XXXX XXXX only, I was a victim of identity theft with other names My only social security number us XXXX My only and correct date of birth is XX/XX/XXXX My only employer is XXXX XXXX XXXX XXXX XXXX XXXX I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U. S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, Name : Ms. XXXX XXXX XXXX XXXX Driver License, SSN Card Proof of Residence
Consumer complaint received 2017-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (CA)

I cancelled my gym membership for XXXX XXXX XXXX XXXX XX/XX/XXXX. I paid my {$20.00} fee. I have the receipt. Then collection calls began arriving. I was told I owed for XX/XX/XXXX and XX/XX/XXXX even though I was no longer a member. I have my yellow sheet showing my membership cancellation and cancellation of the contract with a XXXX balance owed. I sent proof to the collection agency ABC Financial Services of XXXX, AR XXXX of my receipt, and the cancellation showing XXXX balance, but they keep calling, I contacted XXXX XXXX XXXX four times by phone and visited twice in person and was told it was taken care of. I contacted their corporate office and was told it was not their problem, it is the franchised gym 's issue. No one will help me. Today ( XX/XX/XXXX ) I received yet another collection notice. They call me daily and now are sending mail all for {$20.00} they say that I do, which I do not. It 's not even the money, which is {$20.00}, it 's the harassment.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have tried to resolve this issue with the debt collector because this is not my account. I have been a victim of idenity theif. I have asked that several times to investigate this item. The item listed below is the account that is not mines : PORTFOLIO RECOVERY # XXXX XX/XX/2018 {$1700.00}
Consumer complaint received 2015-05-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I am a XXXX XXXX, with a vacation home in the USA. I have had a checking and savings account with HSBC USA for about 5 yearsAbout 6 weeks ago, the HSBC USA regulatory team contacted me by e mail, for additional information. Specifically, they needed my Social Security number, and details of my XXXX.As I was in XXXX at the time, I was asked to present these to a local branch in XXXX to have these 'verified '. On XXXX the XXXX XXXX, I brought these items into the XXXX branch in XXXX, with details of where to send the verified copies. I was assured this would be done. 
Long story short, HSBC USA never received anything, and without any prior warning, I discovered yesterday that they have cancelled my accounts with them, and have advised that a check will be mailed to me in 7-10 working days. I have now opened another account with another provider, but until I receive, and cash the check from HSBC ( approximately {$22000.00} ), I have no means of adding funds to my new account. 
This has left me without any means of getting and cash, and without a local credit card. Furthermore, I have a number of direct debits set up, which will no longer be honored. It is likely my credit rating may be negatively impacted if or when a direct debit request is declined by HSBC USA. 
I am extremely unhappy I was not contacted to be told there was information missing, or given a chance to rectify the problem now I am here in the USA. 
XXXX XXXX
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

This car was totaled in hurricane Irma XX/XX/XXXX it was completely paid off my insurance and gap insurance / XXXX paid immediately for their portion while gap took longer while dealing with a large amount of hurricane claims the lender marked me late sporadically even though the car was paid and out of my possession as of XX/XX/XXXX I was marked late in XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2016-03-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

In XXXX i reviewed my XXXX report. a collection account is there from XXXX listing HOUSEHOLD FINANCE as the original creditor in the amount 0f XXXX and a current balance of XXXX I have never had an account with household finance, so i disputed with XXXX based on the fact that the account is not mine. 
I received a phone call from XXXX XXXX @ XXXX XXXX the very next day informing me that it would not be deleted from XXXX because they dont work for XXXX, XXXX works for them. He stated that the only way it would be deleted is if i paid it. He then threatened to report it to the other XXXX bureaus if i did not pay it off by the end of the week. 
When the dispute closed with XXXX in XXXX, the account was upheld with now a XXXX balance. 
XXXX is refusing to answer my letters to validate the debt, and they will only give me a PO BOX as a mailing address, so i can not send them any legal documents to sign for. 
They also lack the surety bond that is required by my state to collect or report a debt as a collection agency. 

to this day they still will not give me any information to verify the legitamacy of this aleged debt.
Consumer complaint received 2016-05-04
Product: Debt collection — Mortgage
Issue: False statements or representation — Impersonated an attorney or official
Company: M&T BANK CORPORATION (OH)

In 2013, my home went into foreclosure. After months of mediation and court hearings, a company contacted me and told me that if I sent {$2000.00} to Trial Period Management, the foreclosure process would cease and after the trial period, the mortgage would be modified and reinstated. I sent the money. The cashier 's check was deposited into a XXXX XXXX account where it was cashed. 
I was forcefully removed from my home and would like my money back.