davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I desire to have these inquires removed from my trans union. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Their customer service did not help and take care of removing negative inquires on my credit report.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (CA)

An attempt was made to open a credit card account for JPMCB not authorized by me on XX/XX/year>. I received a letter from Chase Bank indicating an application for a credit card was attempted. They felt it was fraudulant and did not proceed with the application.
Consumer complaint received 2021-12-01
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: OneMain Finance Corporation (TX)

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my credit report and I noticed there were inquiries listed that I did not recognize. Dates XX/XX/XXXX to XX/XX/XXXX. I contacted these creditors SYNCB/PAYPAL ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX. 

who placed the mltiple inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your help and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-02-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

I received a call from my mortgage company stating I missed a payment for XX/XX/XXXX. I told them that I made the payment and had the ACH information to prove it. 

They took my information and told me that the payment was made, but that it was short of the amount owed. I told them I had automatic payments set up and that it was the same amount every month. 

They informed me my rate had increased. So, my payment was short {$60.00} I was transferred several times before speaking to a gentleman that told me I was in an ARM and this was the first time my rates were eligible to raise and they indeed had risen by 1 %. I told him I was never notified of the rate change and if I had I would have adjusted my automatic payment. 

He then stated that mistakes sometimes happen. But, indeed my rate had increased and that unfortunately the company did not send me any notification. But, I need to pay more. 

He then told me the rate will increase again next year and I should work with him to lock in a rate right now. I was under the impression the ARM was based in interest rates at the current time. But, it seems the company will increase my rates regardless. 

Also, I believe they had a legal responsibility to notify me that my rate increased. Saying mistakes happen is not a legit excuse. I should have had an opportunity to shop around once I was notified, but they prevented me from doing that by blindsiding me with an increase. 

Then I was told if I want to save my home I should work with the agent now or my rates will increase. As an XXXX XXXX military member i find this practice to be unethical and borderline illegal. I have the resources to pay my mortgage ( increase and all ) but this man telling me I need to save my home and I was in danger of losing it if I didn't refinance with him is a dangerous practice. Something should be done. 

Protect our veterans and XXXX XXXX by not allowing these deceptive business practices to be perpetrated.
Consumer complaint received 2019-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I own a store credit card for XXXX XXXX XXXX XXXX under Synchrony Bank. The balance on my card on XX/XX/2019 was {$170.00} in which is was paid in full the very same day. However my credit report fail to reflect my current balance of {$0.00} as of XX/XX/2019. 

I issued a dispute through XXXX XXXX and sent it to XXXX in which I have received no response. Any help in adjusting this balance would be greatly appreciated!
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Previously, I have asked to be removed from any and all pre-approved credit offers from CapitalOne. My name has been removed from pre-approved credit mailing list as confirmed by XXXX. CapitalOne continues to send preapproved credit offerings to me. 

I have asked them to remove my name, address, and all associated data, but they still send these offers to me. Because of identity theft in the past, I have had multiple accounts opened in my name. 

The CaptialOne mail offerings include 3 Easy steps for applying online with a personal confirmation code. 

CaptitalOne has no authorization to have my financial date or personal data. 

Please have CapitalOne remove all information regarding my personal data and confirm this in writing. 

Thank you. 

Best regards, XXXX XXXX
Consumer complaint received 2023-01-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Acceptance Company (PA)

They refused to stop calling me. They have even called my sister, who is not responsible for the bill. Lied and said they only called her once, when they called her three times. Tried to ask for a physical bill to ensure they arent scammers and they absolutely refused. Called from several different numbers to make it look like they were someone else. The person was extremely rude and unprofessional.
Consumer complaint received 2019-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX XXXX violation while in dispute reported to CRA 's Second you stated cease and desist was'nt myself, Request for information you refuse I do not enter in to any contract or agreement with out documentation you state you refuse to respond, Freedonm of information act states I can receive the documents s >NO DOCUMENTS NO CONTRACT Ten days to respond to all questions stated in these documents sent by way of CFPB I request you contact through the CFPB your response to this, If documents Mailed I request certified number of pages and tracking number
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

ON XX/XX/2017 5 letter were drawn and sent certified mail to XXXX, Trans Union, XXXX, annual credit report and CFPB My Social Sercurity was incorrect and needed to be corrected with all credit report bureaus. 
XXXX is the only Bureau that corrected the issue. 
It has been 6 months since letters and info was shared and I need to refinance my car and apply for a rental ... 
I need my SS # to be corrected within the credit reporting Bureaus so that I can move on in life. 
I do not know what else I need to to do, to get this done..
Consumer complaint received 2023-04-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a natural person and consumer writing this statement from my own knowledge and research of the laws that protect consumers from fraud and other deceptive practices that harm a consumers character, reputation etc. 

I am aware the Bureau is in place to assist me in enforcing my right and to ensure that I am not taken advantage of as a consumer. 

On XX/XX/2021 Transunion LLC removed 6 Inquiries from my consumer report. The deletion was based on violations of the Fair Credit Reporting Act that I submitted to Transunion LLC in XXXX. When there are damages done, remedy is to follow pursuant to 15 USC 1681n for civil liability, which Transunion LLC is accountable for. Transunion LLC may be held criminally liable pursuant to 15 USC 1611 for harming my reputation with fraudulent and private information shared on my consumer report. 

I submitted a request for remedy and it was left unanswered. I have never given written consent to Transunion LLC to report about me as a consumer and through many phone conversations they have given me the run-around about removing fraud from my report. They claim to have done investigative reports but have not provided proof that interviews with my friends, family, or close associates have taken place pursuant to 15 USC 1681a ( e ). I was laughed off the phone when I mentioned this federal law.

I demanded the block and removal of the fraud that has taken place due to identity theft pursuant to 15 USC 1681c-2 ( a ). I have provided my US Passport, Social Security Credit Card ( 15 USC 1602 ( L ) ) and my XXXX bill to help identify myself according to federal law. 

All accounts and Inquires I listed on my Federal Trade Commission Identity theft report shall be removed, as it is my written instruction in my letter and this complaint through the bureau. 

Any account that has been " Investigated '' please attach any interviews that took place with my friends, family, or associates that would be able to validate the account, pursuant to 15 USC 1681a ( e ). The furnisher of the reports are not Original Creditors, I am. block and remove those accounts listed, they are fraud.

Transunion LLC is not a bureau, but an agency that congress called, " An elaborate mechanism '' that assumed a " grave responsibility. '' Now, on XX/XX/2021 I am conversing by way of the Bureau because I have tried numerous phone calls and letters to no avail, with TRANSUNION LLC.
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Kikoff Inc. (TX)

I want to close my kikoff account I can't even use it in this hard times of financial stability yall can't help me use the money I need to I want my account closed because I never used the credit that was given to me
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (KS)

I called to cancel flight morning of Sat XX/XX/XXXX -- case XXXX # XXXX -- she clearly said I would receive a credit voucher for the flight to be used a year from original booking date. With that, I altered my plans. 

Monday the XXXX, I receive email that no, nevermind, you don't get anything. 
I called that day or shortly there after to XXXX XXXX # XXXX and she said I was given bad information on XX/XX/XXXX. 

a ) if I knew I wouldn't receive anything after cancellation, I may have kept the flight b ) your website as of writing this XXXX XXXX  Central XX/XX/27 still says I have credit to use, so you are providing conflicting information. even your chat leads me to believe I have a credit. 
c ) you are getting away with no accountability to your mistake. how was I to know you could reject what she told me days later? 

all I ask is to be given correct information or made right if there is a mistake. and an accurate website. 
thank you
Consumer complaint received 2021-10-27
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. (OR)

I submitted a dispute, several times now, because Equifax refuses to fix my credit report. My XXXX XXXX loans are all DISCHARGED AND CLOSED. I want them removed. I disputed it with Equifax. Equifax sent me a letter saying XXXX is claiming that they are not closed and refuses to remove them. One of the two of them is LYING because I have proof they are closed. This is the THIRD complaint on Equifax. SOMEONE NEEDS TO DO THEIR JOB AND FIX IT. I am ONCE AGAIN submitting proof the loans should be reported as CLOSED.
Consumer complaint received 2019-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (CA)

I was told I would receive monthly bills on XX/XX/XXXX. No bills have come to my home mailbox. I called and was told because I used the banks bill pay feature, I would have to contact the bank. I called the bank. Called back BMW asked to speak with Manager his name is XXXX same line about calling the bank. Told him I called the bank. Told him I have another checking account and may wish to write a check from that bank. Same deal. Nothing no customer service whatsoever total incompetence from BMW.
Consumer complaint received 2023-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credova Holdings Inc (VA)

I was notified by official mail addressed to me that I was to pay a debt not incurred by myself, but by result of someone acting as myself via using my personal identity in order to create a credit account with a consumer financial platform. I'm actively working with the appropriate agencies as I'm disputing the debt as a result identity theft, as I did not incur said debt that I was notified to pay.
Consumer complaint received 2018-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXX. On XX/XX/XXXX I wrote a second letter. on XX/XX/XXXX I called the company and asked for clarification on the debt and was not given any information about the debt or if my correspondences have been received. 

The company has not provided an accounting of what money I owe. 
The company has not provided an explanation of how they calculated what I owe. 
The company has not provided any documentation to prove what I owe. 
The company has not identified the original creditor nor provided their current contact information. 
The company has not provided proof that they are licensed to collet this debt in my state of New York The company has not provided me with the contact information for their registered Agent for Service of Process Even though I have disputed this debt, the company has not removed this debt from the credit reporting agencies
Consumer complaint received 2018-02-19
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. (NY)

The following unauthorized inquiries appear on my respective credit reports : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-02-19
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Regarding this closed compaint. XXXX about TRANSUNION 1 ) Tried to submit feedback via the link provided on your site and can not load the page. Page doesnt work and times out loading the submit feedback page <<< 2 ) Transunion responded they remove records from a credit report greater than 10 years of being reported closed, even for accounts in good standing. As such some of my accounts that were greater than 30 + years old were removed from my history, thus removing any evidence of my long standing good credit history. As such my oldest age possible account according to Transunion reporting practices is now limited to 10 years. FICO uses ones oldest accounts along with newest accounts to calculate an overall average credit age and a longest standing account age where both factor into your overall Average age of accounts that makes up of 15 % of a FICO score. This is an unfair reporting practice, particularly obvious for someone in my situation, because I used no credit during the last ten years. A competing credit reporting agency still has my credit historical records listed and my scores are much better. So either FICO should change their scoring models to be more adequate to consumers or Transunion should not be allowed to change your average age calculations by removing older, in good standing credit records from your history
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (VA)

On XX/XX/XXXX due to XXXX I was unable to conduct face to face training as an XXXXr at the XXXX XXXX XXXX  XXXX I lost my salary because all classes were canceled. I was forced to filed XXXX XXXX bankruptcy in XX/XX/XXXX and my bankruptcy was discharged in XX/XX/XXXX. 

I had XXXX vehicles and added XXXX to my XXXX XXXX, but my 2nd car which is a lease XXXX XXXX XXXX was not included in the bankruptcy and i ensured all payments were made on time. Mercedes Benz Financial Services reported to all three Credit Bureaus that my lease was closed and I was late in XX/XX/XXXX. I saw the erroneous information on my credit after requesting a free credit report. I called MBFS several times in XXXX, XXXX and XXXX to no prevail. I contacted the credit bureaus and filed a dispute. Each time I would get the same results no change. 

My account with Mercedes Benz Financial Services ( MBFS ) was not included in my bankruptcy filed in XX/XX/XXXX. I continued making payments to keep the account current. MBFS stop reporting my payments the month i filed bankruptcy XX/XX/XXXX. 
They reported my account is not closed and added a late payment. The account is current and never late. I am trying to rebuild my credit. What's being reported is hurting me from getting secured credit and renting a home. Attached are copies of my bank statements showing payments in the amount of {$820.00} from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XXXX I paid {$2500.00} which includes XXXX payment for my property taxes for the lease. XX/XX/XXXX payment was {$820.00}. Please look into this matter. I just want accurate information to reflect on my account and to show that the account is opened, never late and current. I've contacted the credit bureaus several times as well.
Consumer complaint received 2018-02-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have started refinance process with Bank of America in XX/XX/2017 whereas the sales agent promised me best rates and smooth process. As part of the process, they told me that they will carry out appraisal of my house and I need to pay upfront for it. I was not shared the amount that I need to pay for appraisal and was told that I will be refunded at the end when appraisal closes. I agreed to it as I didn't expect any issues in my loan process. During appraisal, an incorrect report came out which talks about an issue that I don't have in my home. I tried to explain to bank and appraisal company but they are not ready to correct the report resulting in my mortgage process going on hold. Bank has charged me for my appraisal fees but they didn't worked with appraisal company to correct the report even after I provided the reason for incorrectness of the report. My home ( in exactly same condition ) has gone through 3-4 appraisals before this appraisal but never such issue happened. I can provide more specifics when asked. 

I have also reached out to XXXX, CA to help me with issue in appraisal report.