davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (IL)

Plaza Home Mortgage ( PHH ) still has not successfully paid property taxes on property from escrow account from a year ago!. Previous payment was not for correct amount and returned to Plaza as of XX/XX/2021 ( for the second time ). 

This is a follow up to complaint XXXX ( which was not completed satisfactorily nor successfully
Consumer complaint received 2017-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Five Lakes Agency (WA)

We are working a short sale on this property. The 2nd lien with Five Lakes is not being cooperative. They are stating they wo n't move forward with the approval letter that we have from the 1st lien holder for a few reasons. 1st : They do n't think the file should be approved for HAFA because the HAFA program ended XX/XX/2016. But that means that the short sale just needed to be started by then, not approved by then. I have explained this to them and they wo n't listen. They do n't like the fact that the approval letter from the 1st lien does not state it is HAFA on it. But this is because the approval letter they are looking at is an extension to the orginal approval letter from the 1st lien. It does not have all the details on it and is just an extension. They wo n't merge the XXXX approvals together to get a valid approval. I ca n't make the 1st lien alter their approval template to say what Five Lakes wants it to say, just because they ca n't think out of the box. Five Lakes wants XXXX, the 1st lien, to issue an ARASS form before moving forward. The ARASS is not applicable and Five Lakes wo n't listen. They state that if the ARASS is not submitted, even though it is not needed, they wo n't move forward.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Two credit accounts with the XXXX XXXX XXXX XXXX, referred as XXXX from now were charged off port-divorce. One account ending on XXXX is a Car loan, and the account ending on XXXX is a Personal Loan used for the purpose of home improvements. 

Both accounts were entered in a settlement agreement for 80 % of the balance with account ending on XXXX been paid off and settled. 

XXXX continues to report account XXXX as a mortgage loan when it is not, and also hasn't updated the balances on the XXXX credit bureaus according to the new amounts on the settlement agreements. 

All the necessary steps has been taken to dispute the information with the 3 bureaus, as well as with XXXX, in many occasions, however the company continues the practice of erroneous reporting. The account in reference XXXX is not related in any manner to my property, or any liens are against my property as consequence of it. 

This is causing my inability to rebuild my credit and have fair credit opportunities, affecting my professional career and my family as well.
Consumer complaint received 2021-05-04
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. (IN)

I have filed disputes with XXXX, XXXX and Experian regarding my report and inquiries that I did not approve. 

There is an inquiry from XXXX/XXXX  on XX/XX/XXXX with XXXX  that I did not initiate or approve. I do not even do business with XXXX often enough to even justify a credit application. I can not contact their credit department either. 

There are 2 inquiries on my XXXX  report from XXXX XXXX and from XXXX on XX/XX/XXXX that I also did not authorize. Then 2 inquiries on XXXX on XX/XX/XXXX from XXXX  and XXXX XXXX XXXX that I also did not authorize. Then on Experian there was one from XXXX/XXXX  XXXX XXXX that I did not authorize. I communicated this with them and they have done nothing about these issues. I was informed of ONE credit inquiry and it turned out to be SIX inquiries which has caused so many issues. 

I have a current account with XXXX XXXX XXXX  and was told they could increase my credit amount but was not informed of the inquiry that took place on XX/XX/XXXX with XXXX. I am a long standing customer and should have been informed of the correct process. Please remove. 

There is an inquiry from XXXX on XX/XX/XXXX that I did not authorize. I have no reason to have ever applied with XXXX as I live in an area where their service is not offered. Please remove. 

There is also a fraudulent account reporting to my XXXX from XXXX ... I have never done business with that company nor did I approve them to have access to my information so that is 100 % fraudulent. Please remove.
Consumer complaint received 2023-01-09
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. (MI)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have filed disputes with XXXX, Transunion and XXXX regarding my report and inquiries that I did not approve. 

There is an inquiry from XXXX on XX/XX/XXXX with XXXX that I did not initiate or approve. I do not even do business with XXXX often enough to even justify a credit application. I can not contact their credit department either. 

There are 2 inquiries on my XXXX report from XXXX XXXX and from XXXX on XX/XX/XXXX that I also did not authorize. Then 2 inquiries on Transunion on XX/XX/XXXX from XXXX and XXXX XXXX XXXX that I also did not authorize. Then on XXXX there was one from XXXX XXXX XXXX that I did not authorize. I communicated this with them and they have done nothing about these issues. I was informed of ONE credit inquiry and it turned out to be SIX inquiries which has caused so many issues. 

I have a current account with XXXX XXXX Bank and was told they could increase my credit amount but was not informed of the inquiry that took place on XX/XX/XXXX with TransUnion. I am a long standing customer and should have been informed of the correct process. Please remove. 

There is an inquiry from XXXX on XX/XX/XXXX that I did not authorize. I have no reason to have ever applied with XXXX as I live in an area where their service is not offered. Please remove. 

There is also a fraudulent account reporting to my XXXX  from XXXX ... I have never done business with that company nor did I approve them to have access to my information so that is 100 % fraudulent. Please remove.
Consumer complaint received 2021-05-04
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. (MO)

I filed a dispute with credit bureaus requesting that inaccurate information be removed from my credit report. It has been beyond 30 days and they have not returned any results or corrected the issues.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I opened this claim XXXX, the bank never requested more information about this transactions and the problem, also never requested a letter explaining the situation or even my signature. 
The purchase was made on store face to face but as many stores they dont have the product on the same site, so in this case they will send it to my address. 
The merchant never provided the goods, so I opened this claim with my bank, Chase. But they denied the claim saying the transactions was made face to face so the goods must be taken on that time. 
attached goes the receipt showing they will send it.
Consumer complaint received 2021-05-04
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. (MO)

I filed a dispute with credit bureaus requesting that inaccurate information be removed from my credit report. It has been beyond 30 days and they have not returned any results or corrected the issues.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (TX)

To whom it may concern, I'm reaching out to request that you investigate a credit file that continues to linger on my credit report with Experian and XXXX report. I have filed numerous disputes directly with credit reporting companies to remove XXXX, XXXX from my credit report/file. XXXX continually fails to provide sufficient documentation that I owe them the amount they claim. In addition, XXXX can't furnish proof that this is my account and continuously report on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), the action taken by XXXX XXXX, Experian, and XXXX violates my consumer rights because the companies fail to provide proof or documentation that this is my account. I have provided sufficient evidence that this is not my account and filed multiple disputes directly with Experian and XXXX. I am also in the process of filing a complaint with the Texas Attorney General 's Office. I have supplied proof of final payment and emails stating that I paid my last month 's rent on XX/XX/2021. I've attached proof of payment. 

Please advise because I am tired of being hassled by XXXX XXXX at XXXX, who has restricted anyone within the company from taking my calls and addressing my concern or filing disputes with the company. I have good credit, and this shouldn't be on my credit. 

Thanks in advance for your consideration and understanding.
Consumer complaint received 2020-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (NY)

I opened a business checking account with Key Bank branch at XXXX XXXX XXXX in XXXX New York. The rep told me that the monthly fee was waived if the account holder opens a credit card which I did. 6 months later, I discover that I have been charged fees every month. I contacted the online rep and they said that there was nothing they could do about it and I had to talk to the branch. This is classic false advertising and bait and switch. I will follow up with the branch but want to lodge a complaint to stop such practices.
Consumer complaint received 2021-05-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

Hello, I reviewed A copy of my credit report and it shows a direct violation of the FDCPA if a charge off or collection account is reported with a balance. This account shows a balance of XXXX as of XX/XX/2021 2021
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Yes I had a Joint Auto Loan through CREDIT ACCEPTANCE CORP that was opened in XX/XX/XXXX. The car was stolen in XX/XX/XXXX and the account became delinquent. When I reached out to Credit Acceptance in regards to the account they stated that the account was closed but it still actively shows as Open on me and my wife credit reports, It reports every month as Late. The account original balance was {$10000.00}. I have settled the account with Credit Acceptance as agreed with the creditor for {$2000.00}. But the Creditor is still reporting the account as open and late which is really hurting me and my wife credit. I have also Reached out to all three Bureaus ( XXXX, XXXX, and XXXX ) to have them investigate the account to correct the errors but they keep stating that it was verified as accurate which is not accurate. I ask that this issue be rectified as this is the only account on my report that is hindering me from moving forward.
Consumer complaint received 2021-05-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Hello, I reviewed A copy of my credit report and it shows a direct violation of the FDCPA if a charge off or collection account is reported with a balance. This account shows a balance of XXXX as of XX/XX/2021 2021
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to 605B, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation.
Consumer complaint received 2021-05-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I have been trying to fix an issue with Equifax since last week. At first, while trying to get a homeowner 's insurance quote and verifying my social 3 times, l was told by XXXX 's XXXX that Equifax is reporting me as " deceased ''. I called Equifax to confirm and they tell me that they do not see this in their system. Now, today, I have tried all day to lift a security freeze online and I keep getting an error and a phone number to call so I have now called them 4 times to lift this same security freeze ... first time I was told it was escalated, phone number taken and someone would call me in 1-2 hours ... second time I was told the systems were down ... the third time I was told it was being escalated again and to try back in 30min to 1hour. It has now been 10 hours later, no one has called me and I still can not lift this security freeze so my lender can pull my credit. I had no issues deleting freeze on XXXX and XXXX but Equifax is not being of any help.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute with credit bureaus requesting that inaccurate information be removed from my credit report. It has been beyond 30 days and they have not returned any results or corrected the issues.
Consumer complaint received 2021-05-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I currently have an amount due at the end of the loan at payoff of {$1700.00} due to two past extensions within COVID. I am now making more than monthly payment to try to pay this off so I will not have this due at payoff. I have to call to tell them to allocate extra payment to this balance. I was told it is then I was told they couldnt allocate it, I honestly do not know what XXXX XXXX is doing with this account when these additional payments are being made. It was explained to me to download the app and it is a drop down menu that says make additional payment to principal and I have gone on the mobile app and do not see this. I am honestly trying to get this balance paid off so I will not owe it at payoff and I keep getting the run -around. I have recently made a payment of {$650.00}. My car note is {$690.00} a month and I have to call to tell them to allocate the extra {$57.00} toward this principle balance on the end of the loan and it should be a better way XXXX XXXX should have this set up, for situations like this. I want the additional payment allocated to the principal of $ XXXXand every other additional payment made toward it.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with XXXX XXXX nor was I aware that an account was ever opened in my name. XXXX XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. 

XXXX XXXX XX/XX/1980 XXXX
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2018, I attempted to obtain my annual free credit report using website XXXX. 

Although I was able to obtain my XXXX credit report TransUnion refused to provide report through this site without explanation. I reached out to TransUnion directly and requested an explantion and copy of said report to date TransUnion has refused to provide said credit report or reasons why the consumer can not obtain said report as mandated by law through XXXX
Consumer complaint received 2022-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (MN)

I got a bill for my son for his XXXX  stay. It originally was {$940.00}. I called to pay it in full and on XX/XX/21 I paid {$940.00} and I was told it would be paid in full and would owe no more money. I then get another statement saying I owed an additional {$1800.00}. I have the original statement showing the total due was {$940.00}. Then a new one showing I still owed {$1800.00}. Makes no sense. I had 3-4 statements of the total bein {$940.00} so why the sudden jump? The hospital refused to work on it with me, the supervisor said he would send it through insurance and would call me back and he never followed up unless I called. We got no where and they sent the additional {$1800.00} I should not owe to collections. I have the statements. They claim they dont see the original {$940.00} statement but I have it. This is illegal.
Consumer complaint received 2021-11-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I send a letter to Transunion XXXX XXXX XXXX. on XXXX to remove these accounts immediately which were wrongly reported on my credit reports : XXXX XXXX. Account Number XXXX the amount charged off is {$8600.00} ... Account Name : XXXX XXXX Account Number : XXXX amount charged off {$6300.00} ... Account Name : XXXX XXXX. Account NumberXXXX, Amount charged off {$2500.00} ... Account Name : XXXX XXXX XXXX.Account Number : XXXX, Amount charged off {$5900.00} ... Account Name : XXXXXXXX XXXX XXXX XXXX . Account Number : XXXX Amount charged off {$630.00}... It has been 30 days since I send my letters, the credit companies are not complying with their own policies in a timely manner.
Consumer complaint received 2021-05-04
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 — Investigation took more than 30 days
Company: Sa-Vit Enterprises, Inc. (PA)

I have received a copy of my credit report and it shows company SA-VIT COLLECTION AGEN ( Original Creditor : XXXX XXXX OF XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK (IN)

I'm requesting payoff of my mortgage. This payoff needs to be good through the end of the month ( XX/XX/2020 ). tfcBank request attempts below : Three loan processor requests faxed to XXXX since XX/XX/2020. 
Request made by me via TCFLoanServicing@tcfbank.com on XX/XX/2020 which resulted in automated email reply from tcfBank requesting I fax request to this number, XXXX. 
Two phone call request attempts by me to tcfBank XXXX loan servicing department. The phone was answered and then the call was ended with no one speaking ( I was hung-up on ). 
First request attempted by me at Chemical Bank to tcfBank transition information line XXXX resulted in no one picking up after XXXX minute hold. 
Second request attempted by me at Chemical Bank to tcfBank transition information line XXXX, spoke to XXXX, she transferred me back to the tcfBank loan servicing department despite me conveying my inability to get through to this number. I requested she stay on the line with me, she agreed, I was then put on hold, she came back on the line and said she was unsuccessful at reaching tcfBank and suggested I email them. I told her I had, she then tried tcfBank again and I am presently on hold waiting for them to answer her ( this call has reached 61 minutes and counting ) I am sending this payoff request from fax number XXXX, as this is the only fax number available to me during COVID.