davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-07
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. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2020-12-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$7800.00}, {$5000.00}, {$0.00}, {$1000.00}, {$13000.00}, {$7800.00}, {$6000.00}, {$7700.00}, {$1600.00}, {$6900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account.
Consumer complaint received 2020-12-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BAY VALLEY MORTGAGE GROUP (GA)

I applied to Pacific Bay Mortgage for a loan to purchase my first home in XXXX, Georgia. I recently graduated from college with a degree as a XXXX XXXX, and was looking forward to working near my new place of work ; XXXX XXXX. My loan was approved on XX/XX/2020 and the closing date was set for XX/XX/2020. The lender was unable and unwilling to get my loan closed on time so the seller imposed a {$100.00} a day per diem. The lender was notified in writing and by phone but despite my consistent XXXX calls, the lender gave no consideration to my urgency. They continued to misinform all parties involved and proceeded with no sense of urgency. The only reasoning they gave for their lack of urgency was that they were busy. I was finally cleared to close on XX/XX/2020 but had to borrow money from my parents to cover the {$3900.00} per diem for all the days I did not close. I believe the fair thing in this situation would be for them to reimburse me for all the additional expenses that I would not have acquired if I was able to close in a timely manner.
Consumer complaint received 2020-12-07
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. (NY)

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 47 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 47 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XX/XX/XXXX data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2022-07-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : 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 1666b A Creditor May not treat a payment on an auto account. I have attached an pay for deletion letter. That has been paid in full, but not honored.
Consumer complaint received 2023-06-24
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: World Acceptance Corporation (MI)

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent.

Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar.

The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more.

The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported.
Consumer complaint received 2023-08-07
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. (FL)

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

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 XXXXXXXX XXXX
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX, I accepted an 0 % balance transfer of {$10000.00} from Citibank associate with my card ending XXXX to pay off another credit card for a fee of {$300.00}. I made the minimum monthly payments in XXXX to keep that interest free until XX/XX/XXXX. In XXXX Citibank sent me an erroneous statement that stated that " Your next Autopayment of {$10000.00} will be deducted from your account on XX/XX/XXXX. My spouse contacted them on XX/XX/XXXX, to pay the bill online but a few minutes after paying the full amount of {$10000.00} realized her error and pursuant to the rules that Citbank has ont he credit card called before XXXX that same day to cancell the payment. She called and cancelled that full payment, spoke to XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX, to cancel the payment and he agreed to cancel it but would not give her a confirmation order and would not give her his last name but gave her an employee number. She again called Citibank on XX/XX/XXXX when we received notification the full payment was about to be made form Citibank. She spoke to someone in customer service and was placed on hold for over a half hour. Finlly she was able to speak to a supervisor named XXXX on XX/XX/XXXX and they recognized that the payment was cancelled but refused to stop the payment, claiming they needed to see acknowledgement that the payment was paid. They refused to stop the payment or provide their last names. They refused to provide any reference numbers for the cancellation requests. They refused to stop the payment or deal with us in a financially responsible manner. Their customer service is appalling. We paid {$300.00} for a loan of less than a month and they won't recognize our stop payment request or refund our {$300.00} fee. Its infuriating.
Consumer complaint received 2023-04-08
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. (SC)

XXXX XXXX XXXX FAILED TO INFORM THE CONSUMER OF REUQIRED DISCLOSURES PERTAINING TO OBTAINING THEIR PRODUCT AND SERVICES. THE AGENT WHO HANDLED THE FINANCIAL TRANSACTION CONCEALED MATERIAL FACTS THAT CONGRESS FINDS NEEDED TO BE DISCLOSE TO CONSUMERS ON THE BASIS OF DEALING WITH FINANCIAL INSTITUTIONS. XXXX XXXX AGENT DID NOT INFORM THE CONSUMER ON THE RIGHT TO OPT OUT OF HAVING THE CONFIDENTIALITY OF THIS CONSUMER CREDIT TRANSACTION NOT DISLCOSED TO OTHER THIRD PARTY SERVICING AGENTS. XXXX XXXX XXXX FAILED TO PROPERLY INFORM THE CONSUMER OF MANY OTHER DISCLOSURES REQUIRED BY CONGRESS THAT WOULD SHAPE THE CONSUMER EXPERIENCE WITH THEIR CORPORATION. XXXX XXXX XXXX HAS VIOLATED MANY CODE OF FEDERAL REGULATIONS WHEN IT COMES TO CONSUMER CREDIT TRANSACTIONS. XXXX XXXX CROP EXPECTS THE CONSUMER TO PAY ON A DEBT THAT IS IN COLLECTION BUT NEVER PROVIDED PROOF OF THE XXXX THEY FILED WITH THE IRS NOR ANY PROOF OF THEIR BOOKKEEPING ENTRIES SHOWING THE LOSS OF MONEY DO TO THIS TRANSACTION.
Consumer complaint received 2023-04-20
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 am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in the violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY. 
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 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 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 2023-06-24
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: Self Financial Inc. (MI)

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act of 1974 as a federally protected consumer, I have the right to privacy.

15 U.S. Code 6801 15 U.S.Code 6801 ( b ) ( 3 ) 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) 15 U.S.Code 77q Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar.

The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more.

The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported.
Consumer complaint received 2021-10-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending (CO)

I submitted information via XXXX XXXX to apply for a HELOC on XX/XX/2021. Several companies contacted me, but they all did so regarding cash-out refinance. I am a financial professional myself, so I know the difference. I was contacted by Supreme Lending, specifically one of their Senior Loan Officers, XXXX XXXX. I explained to him I wanted to apply for a HELOC. He said no problem. I was very clear to point out I was not interested in a refinance of my existing mortgage ( it is a VA loan, already at a very, very low rate, better than current market rates ). He said no problem, and began to gather necessary info. He ran my credit. He then came back and told me I had qualified. He then proceeded to tell me they would have to take first position ( refinance my existing mortgage ) in order to proceed with the line of credit. I was very upset about this, as it lowered my credit score a little ( it's still excellent ), and told him I felt he had been very misleading, like a 'bait and switch ' since I was very specific and clear about not wanting to refinance. I asked him to never contact me again, but I continue to received email inquiries from Supreme Lending, most recently today, XX/XX/XXXX, from a XXXX XXXX. Here is Mr. XXXX  and Mr. XXXX 's contact info : XXXX XXXX XXXX Loan Officer Supreme Lending ( XXXX ) XXXX XXXX XXXX XXXX Loan Officer Supreme Lending XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-04-08
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. (PA)

When I reviewed my credit report, I discovered that some of the information was 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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$2200.00} Consider this request as a follow-up to make sure the listed accounts are fixed
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On Sunday XX/XX/2023, in XXXX Indiana I attended XXXX XXXX XXXX XXXX with a group of friends where one of my friends played a XXXX game with the company XXXX XXXX XXXX. The woman running this game scammed both my friend and I out of money. She wasn't telling us how much each shot would cost and had the rule that after a shot was made it had to be paid. So we believed the cost was not going to be a lot since it was a carnival game. My friend wanted to win the biggest price so she spent so much money for it she was no longer able to pay her last shot because her Chase account was frozen and she was unable to get in contact with Chase due to poor signal. After standing at this game for thirty minutes as she attempted to get in contact with her bank I told the woman we were obviously unable to pay it and that since we hadn't gotten a price anyway we were just gon na leave. However the woman refused and threatened to call security if we did not pay some of the last shot which was a almost {$700.00} dollars. I only paid it because she was holding us there until I paid it. I have tried looking for this company online in order to get my money back and contact my own Chase account to get my money back because my friend was able to get her money back from Chase over the same issue but I wasn't. I also read that you make a complaint within 60 days of the fraud you are not held liable for any of the fraudulent purchase with your bank if you did not lose your card.
Consumer complaint received 2023-05-17
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. (FL)

The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards XXXX XXXX, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This complaint serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. If the listed claims are found to be inaccurate, please provide accurate and verified information for each claim, as the allegations are not true. If that is indeed the case, I will delete them immediately.
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America, the pre-paid card provider for California EDD ( Unemployment Insurance ), provided a provisional credit for {$150.00} in reference to a dispute submitted in XX/XX/2020. The claim was approved and the credit was supposed to remain permanent. However, on XX/XX/2020, the credit was reversed and {$150.00} was debited from my prepaid EDD account. After calling Bank of America multiple times and the customer service representatives promising the credit would be reissued, the credit never materialized. The credit should be issued immediately and without delay, especially as these are funds that are needed to provide food and shelter in the absence of employment.
Consumer complaint received 2020-12-07
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: ENCORE CAPITAL GROUP INC. (NY)

On XXXX XXXX, 2020, MIDLAND CREDIT MANAGEMEN add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND CREDIT MANAGEMEN has violated my rights as a consumer and I requesting legal action to remove this account immediately.