davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (GA)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that even possible if the open date, date last active and date last reported is not accurate? This is ground for removal and now has forced me to receive documentation from the actual financial institute even showing I've attempted to settle this as the Bureaus tried saying it was on the institution and not them. I also have an entire transcript with a supervisor at XXXX in regards to this repeated issue and requesting to speak with the supervisor of one of the financial institutions I was also on a separate call with trying to solve this issue however that was against the institutions protocols. 

They also violated the law because according to 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions.

I did not give any written instructions.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX }
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (NM)

I have a Chase freedom credit card. In XX/XX/XXXX they sent me a zero-interest balance transfer check. I opted to use the check to transfer a balance from another card in order to pay it off within the allowed time frame, in this case thru XX/XX/XXXX. I agreed to the transfer fee, approximately {$400.00}. In XXXX, after the transfer occurred and posted on my Chase account, I paid {$1500.00} to Chase. My minimum payment is approximately {$300.00}. Upon receipt of my XXXX statement I realized that the zero-interest portion of my balance did not go down after I paid in excess of {$1000.00} above my minimum payment. I called Chase customer service with the intention of letting them know that I'd like anything in excess of my minimum payment to go toward the zero-interest portion of my balance. They told me that they can't do that. They ALWAYS allocate any payment sent to them to the balance with the highest interest. I explained that my goal is to pay off the zero-interest amount within the allotted time frame and they told me the only way to do that is to not have a previous balance that carries interest. NONE of that was explained on the check or within the paperwork sent when I agreed to it. 
This practice is VERY deceptive due to the fact that they falsely allow customers to utilize this option even though they have profited the fee amount, they also manipulate the offer so that they will also gain the accrued interest at the end of the zero-interest period because they do not allow that portion to be paid. 
When speaking to a " supervisor '' in the customer service section, he claimed that there is no one higher in the company that can be spoken to and that no one else can take care of this for me. I explained that I wanted to file a complaint. He said he would file it with his " leadership team '' but that I could not get a copy of the complaint and that no one would follow up on my complaint. I pressed him because him asserting that a complaint would go forward but that no one would follow up and there would be no record of it is absurd. What is the point of a complaint that in essence does not exist? When asked what the avenue for filing a complaint outside of his company was, he could not direct me. He said I'd have to find that out on my own. Does the banking industry not have a duty to provide information to it's customers on how to file a complaint on them? 
After 20+ years with this account and doing my credit card business with this company I intend to take my business elsewhere, to a bank that is forthcoming in it's practices if this issue is not resolved to my satisfaction.
Consumer complaint received 2022-09-24
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-07-27
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AES/PHEAA (TX)

In my last letter I informed you, you are in violation of my rights as a natural person. I am the original creditor of the credits used for my education. The XXXX XXXX notes you supposedly sent are void and expired. The degrading assumptions, obscenities, harassment, oppressive and abusive language, evidence of unfair practices, and furnishing of deceptive forms in your letter dated XX/XX/2022 are not taken kindly. Again, I do not owe a debt, and I will not and can not pay a debt just as anybody else under Public Policy in the united states of America. Please do not threaten me again. Enclosed is the letter from you using scare tactics. Provide verification that I can agree with or a judgement, until then cease further communication with me and any person or consumer reporting agency without a judgement.
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WA)

I was the victim of a so-called me-to-me fraud on XX/XX/2022. I was told by a scammer that my bank account was compromised and for the account to be save again the scammer will send {$370.00} by the way of Zelle. I was told to make sure to say YES to Zelle and the amount. I had no idea what Zelle is or stands for. 

{$370.00} was withdrawn from my checking account at XXXX XXXX XXXX IN XXXX Washington. 
The money was sent to XXXX XXXX XXXX ON XX/XX/2022. 

I notified XXXX on XX/XX/2022. On XX/XX/2022. XXXX Informed me that there was nothing that can be done, because I authorized the transaction. 

I am a retiree and would appreciate to get my money back. 

Thank you, XXXX XXXX
Consumer complaint received 2022-10-22
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. (NC)

Experian has failed to answer this complaint properly, thus violating and depriving me of due process with causing me to not be Given a fair and reasonable opportunity to be successful at this dispute, clearly illegal. 

Delete the record, pay me {$1000.00} statutory fine, and {>= $1,000,000} for punitive damages.
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I was affected by the pandemic like all Americans. I fell behind on my mortgage payments due to an illness wherein I had to take care of my wife and the increased expenses from the medicine and health aids that were necessary. I then fell behind on my mortgage. I had a modification in XXXX and phone calls placed to the servicer on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting the prior modification. While the documents were promised on all three phone calls, the documents have not been received as of the date of this complaint. On the XX/XX/XXXX phone discussion a forbearance plan was inquired about however I was told it was no longer available. I have been receiving collection calls the entire time by my servicer. On XX/XX/XXXX I contacted my servicer and explained that my church had helped us with {$700.00}. The servicer told me to send it in and I did XX/XX/XXXX. They accepted the payment. They then called with a repayment plan ( a 6 month term ) on XX/XX/XXXX. This was not affordable to me as we are both retired and live on a fixed income. I then speak to the servicer today ( XXXX ID XXXX ) XX/XX/XXXX and was told that I could pay {$1200.00} and stall the foreclosure. I then contacted everyone I could think of to raise the money. I also knew my next check does not come until XX/XX/XXXX so I called back to try to work something out. I was told by XXXX ID XXXX that the earlier information was not correct, that I had to reinstate in full. I asked if I could have the repayment offer again only over 12 months so I could afford it. No, I was told that because the loan had been referred to an attorney ( I have not been served ) that there is no way to get back on track without a reinstatement. I explained that it is not affordable and since the foreclosure had not been filed, can we please work something out before I get legal fees on top of what I am behind. XXXX advised that there was nothing that could be done and they would move forward with the foreclosure.
Consumer complaint received 2022-11-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (FL)

Veteran 's United has lied to me directly as a seller, and lied to their customer as the buyer about closing on a property. These lies were open and recorded. Basically, Veteran 's United XXXX XXXX XXXX XXXX XXXX did not want to do his job properly, and instead of being honest about it, he lied to me, the buyer, and everyone 's agent. The issue with the dishonesty is the magnitude of the sale -- this was a mortgage. Dishonesty in these processes creates damaging affects on communication, and since Veteran 's United works with veterans ( I am a XXXX XXXX totally and XXXX  XXXX XXXX  ) and their families, such dishonesty can cause serious and deleterious affects for those involved. And this is not a " lack of communication, '' this is a direct complaint that the company is openly lying to customers and then trying to strong-arm those that try an reconcile such complaints with repugnant customer service conversations about " ethics, '' which have no real value or legal precedent. I am XXXX. The buyer is a widowed mother of XXXX. All I wanted to know is why we could not close before the holidays. I had spoken with the title company and everything was sent to XXXX by Monday, XX/XX/XXXX XXXX  I spoke with XXXX about this, and he lied to me, saying it had something to do with double-checking the closing costs. That was nonsense. Today, XX/XX/XXXX, XXXX came across with the line that closing could not happen until he received the explanation of a gift -- this was emailed to him on Monday, which can be confirmed by the title company, XXXX XXXX XXXX. XXXX used this lie to try and present himself as someone who simply " can not '' perform his function, which, again, was not true. He disparaged the name of the XXXX XXXX XXXX, and he lied openly to me and his client ( I have texts confirming this ). The company 's response to my involvement as the seller was to call me and try and convince me ( a XXXX ) that seeking resolution to the lack of integrity their organization shows its customers and business partners, was that it was unethical for me to be a part of the conversation. Veteran 's United is lying to their customers, and then trying to make anyone who holds them accountable for their obligations as a lender ( i.e., integrity and ethical actions ) feel as if they have done something wrong. If this company will lie and then try to defend such blatant unethical behavior and then try and preach " ethics '' to other ( not ethics in any way, just what they would prefer ), then there may be no end to the lawlessness and harm they could cause their customers, who are primarily veterans, like me. The conversations with the closing team, their resolution team, and the entire process of trying to make sure they are doing their jobs, which they are not, had caused serious mental and emotional strains on me, and can not be continued to proceed.
Consumer complaint received 2022-05-06
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-05-06
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : 1861 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

One the date of XX/XX/22 I mailed out a dispute on several accounts and attached an FTC report, I also file a complaint through the CFPB on XX/XX/22 with complaint ID XXXX. It has been over 35 days and I have not received any mail pertaining to my dispute. I have disputed these unauthorized accounts listed on my credit report and there has been no notation made on the accounts, showing they are disputed. My life has been a mess by you reporting these inaccurate accounts on my credit report, I still have not been able to be approve for a home nor am I able to be approve for a loan to help provide for my family. I have tried on multiple occasion to get you to remove these unauthorized accounts from my credit report and I continue to get ignored. I HAVE PROVIDED PROOF OF FAILURE TO NOTATE IN LETTER ATTACHMENT
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (GA)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that even possible if the open date, date last active and date last reported is not accurate? This is ground for removal and now has forced me to receive documentation from the actual financial institute even showing I've attempted to settle this as the Bureaus tried saying it was on the institution and not them. I also have an entire transcript with a supervisor at XXXX  in regards to this repeated issue and requesting to speak with the supervisor of one of the financial institutions I was also on a separate call with trying to solve this issue however that was against the institutions protocols. 

They also violated the law because according to 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions. 

I did not give any written instructions.
Consumer complaint received 2022-05-06
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-05-06
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)

I have tried to resolve this problem with the collection agency XXXX, XXXX XXXX XXXX XXXX, and Experian. Everyone wants to blame the other. The account has been paid and should reflect a zero balance since XXXX. I have tried and tried and no one seems to want to fix it. They have a legal obligation to have correct information on my report. I have provided documentation to all parties to prove its paid to no avail. Please please please help me get this fixed.
Consumer complaint received 2022-06-06
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. (FL)

I reached out to XXXX XXXX  and all credit bureaus. This fraudulent accts was deleted in XXXX & placed back on my consumer profile this month. I am tired of my report being impacted with this fraudulent account per 15 USC 1602 & 15 USC 6802! 

Please remove this account permanently it is ruining my reputation and messing with my mentality! Please remove from Equifax and XXXX I have also contacted all parties, my next step is litigation
Consumer complaint received 2022-12-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Danco Financial Services, LLC (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX  : has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

I used this when I filed a complaint with cfpb
Consumer complaint received 2022-06-06
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: Professional Debt Mediation, Inc. (FL)

I reached out to PRofessional debt and all credit bureaus. This fraudulent accts was deleted in XXXX & placed back on my consumer profile this month. I am tired of my report being impacted with this fraudulent account per 15 USC 1602 & 15 USC 6802! 

Please remove this account permanently it is ruining my reputation and messing with my mentality! Please remove from XXXX and XXXX I have also contacted all parties, my next step is litigation
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

A scammer messaged my sibling saying your social media accounts would be enable if proceeded the following instruction with transferring money through Zelle. Still harassing a XXXX XXXX XXXX child. Now is afraid of getting hacked and with my personal name and number being put out, I am now afraid. I want my refund of {$240.00} back and my life to be safe.
Consumer complaint received 2023-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Mr. Cooper has been charging fees to my account at first they started small but have grown larger and more frequent over time. I have asked about these fees and the company state they are normal processing fee to keep my account current. The fee are as follows XX/XX/XXXX Property Inspections - {$20.00} XX/XX/XXXX Property Inspections {$1.00} XX/XX/XXXX Title Search {$200.00} XX/XX/XXXX Title Search {$50.00} XX/XX/XXXX PROPERTY INSPECTIONS  {$220.00} XX/XX/XXXX PROPERTY INSPECTIONS  {$220.00} XX/XX/XXXX PROPERTY INSPECTIONS {$220.00} XX/XX/XXXX Title Search {$40.00} XX/XX/XXXX Property Inspections {$220.00} XX/XX/XXXX Legal Fees - {$470.00} XX/XX/XXXX Legal Fees - {$24.00} I just don't understand how they can tack on a {$220.00} inspection fee almost every month at this point.