davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (KS)

I began my process of applying for a mortgage on XX/XX/XXXX with XXXX/Better. I talked to their associate XXXX XXXX through the whole preapproval process and after pulling my credit report, they confirmed that I was preapproved for {$300000.00} and I could make an offer on a house. 

Fast forward to XX/XX/XXXX when my offer to buy a house was accepted at {$290000.00} and confirmed between the seller 's agent and XXXX. Throughout the process of requesting my financial records, I was denied the loan due to my income not being enough. This came as a surprise for me because XXXX and I had talked about what income was before the preapproval even happened. I even had a loan disclosure written up and a sales contract of how much I would pay every month. 

After going back and forth, they could not give me an adequate reason why I was given a preapproval and then rejected later when I was 100 % honest about every figure I gave them. I went to a local lender and she told me straight up that XXXX/Better should never have given me that preapproval letter at all because no matter how she " fudged '' the numbers, I could not be approved for a loan that size.I have attached the contract and the conversation between me and XXXX/Better as well for review. 

I am now in danger of losing a 1 % earnest deposit of {$3000.00} and the appraisal fee of {$550.00} because I will have to back out of the sale. I believe that XXXX/Better did not do their due diligence in this case and owes me for the money that I lose.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Unfortunately XXXX is in validation of the Cares Act sect 4201. On XXXX XXXX I notice I santander report my payment 30 days late. Which is in direct validation of the temporary amendment made to the Fair Credit Reporting act prohibiting creditor from reporting past due on account that have been effective by Covid-19. 

Amongst its many provisions is an amendment to the Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) that adds Section 1681-s ( 2 ) ( a ) ( 1 ) ( F ) : a temporary reporting requirement for furnishers of credit information concerning consumers affected by COVID-19.

Section 1681s-2 ( a ) ( 1 ) ( F ) provides as follows : ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( COVID-19 ) pandemic during the covered period. 

( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. XXXX et seq. ) terminates. 

By definition a Creditor is any person or entity that extends credit with intend to repaid in the future. 

XXXX is a Creditor who agree to payment arrangements and has now failed to comply with the law. 

In addition I have requested a review of my initial loan documents and internal credit score. As I'm a part of the recent lawsuit and have not received any information.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (VA)

I start my refinance of my mortgage on XX/XX/2022. The originating loan officer stated this would be a few week process since it was a refinance. I have submitted all documentation the day it was requested. I am now approaching 70 days and still have not got a commitment on closing. My original loan officer is no longer with the company and was never informed of this change. There have been multiple delays that I was not informed about. I have had to call Freedom Mortgage to learn there are documents that are needed. I recently learned who my new loan officer is, but is actually a sales manager with a license. He was not even aware the file was with him prior to our phone conversation. The company informed me on XX/XX/XXXX that my file was going to underwriting and would take 48 hours to complete. I called XX/XX/XXXX to be told it never went to underwriting and was asked if it was single family home and the HOA amount. These are questions that could have been answered from the appraisal that was complete a month earlier. Now it is XX/XX/XXXX and I still can not get a commitment on a closing. This is affecting me financially since I can not touch my credit and it is holding the Veteran Affairs ( VA ) benefits since the original loan was VA.
Consumer complaint received 2021-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC (FL)

I have made several attempts to contact this collection agency. I called the following numbers : XXXX, XXXX, XXXX, XXXX AND I also sent a message on the website XXXX requesting a call back to discuss the account.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had XXXX since XXXX and was in the hospital on XXXX XXXX until mid XXXX. By the grace of XXXX  I survived. In the mean time, my husband was trying to contact my creditors to let them know. He did not have my SS # or accounts numbers, only my name, DOB which is XXXX and Ph #. XXXX my account ends in XXXX was one of the few creditors that would not even talk to him because he was not authorized on the account. My husband said, they would not even look up an account because he told them he had little info and was not on the account. I finally was able to call XXXX Last Friday XX/XX/20. I spoke with a Supervior after getting the run around that XXXX stopped offer help to COVID impacted people on XX/XX/20. The supervisor understood what occurred and waived two late fees and told me if I pid {$39.00}. He took my payment of {$39.00} by phone! My account still shows {$100.00} past due! I WOULD NOT BE REPORTED AS PAST DUE TO THE CREDIT BUREAUS!!! Well guess what. I get a notice today I was reported as past due!! They need to fix my credit reporting ASAP!!! It is not my fault they would not talk to my husband and give me help on my account when he clearly called before they stopped offering help while I was on XXXX XXXX!!!
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (AZ)

I received a Debit Visa card from US Bank ( I have never banked there ) This is a Relia Card for the Ohio Unemployment Insurance Program. 
( I have never lived, nor have visited the state of Ohio ever ) I believe someone is using my name and good credit to get government funding for fraud, and I'd wanted to report this.
Consumer complaint received 2022-08-01
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. (IL)

In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that XXXX bankruptcy was considered accurate. I then contacted the US bankruptcy court regarding this issue and was told they have not and do not ever verify debts with the credit bureau. So, if this is the case, how did the credit bureau verify the information reporting on my file is 100 % accurate. They never did a fair investigation according to the 15U.S.C 1681.

15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term '' investigative consumer report '' means 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/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-14
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. (TN)

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # 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 an account without my written instructions. 15 U.S.C 1681 ( a ) ( 2 ) ( 1 ) also states that a consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. These late payment and payment history would be considered experiences which is clearly a violation of my right. I have not given any written consent to put anything on my consumer report the law also states that the information got to be XXXX percent accurate. This account was just verified which means its XXXX percent accurate, but how when the credit bureaus ( Transunion, XXXX, XXXX ) all have different account information. The account number is not the same it does not have the same number of numbers. The payment history is not the same, the balance on the account is not the same. The monthly payments are not the same, and the highest balance is not the same. I again ask how this information has been verified while being incorrect. Then the account is being label as a charge-off on my consumer report but how when the IRS states a cancelled debt or a charge-off is taxable income. If they have closed and cancel the debt and filed as income on their end and me to then how can it be income and debt at the same time which again proves this information is inaccurate. I have detailed 8 violations per say the law. The reporting of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. YOU ARE HEREBY PUT ON NOTICE that you are furnishing inaccurate information 15 U.S.C 1681 ( s ) ( 2 ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-01-09
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. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-01
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)

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
OFFICE OF THE ATTY GEN XXXX Balance {$0.00} ; XXXX BANK XXXX Opened XX/XX/XXXX Balance {$680.00} ; OAG CHILD SUPPORT ENFORE XXXX Opened XXXX, XXXX Balance {$0.00} ; ATTORNEY GENERAL-CHI XXXX Opened XXXX XXXX, XXXX Balance {$1400.00}.
Consumer complaint received 2020-11-16
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Aldridge Pite, LLP (GA)

On XX/XX/2020 I XXXX XXXX filed a complaint with your firm : Complaint Numbers : XXXX and XXXX. XXXX XXXX  XXXX HAS NOT RESPONDED TO THE ORIGINAL COMPLAINT YET THE CLAIM WAS CLOSED AND THE PROBLEMS ARE CONCURRENT AND UNRESOLVED. To date, I XXXX XXXX have not received a response from XXXX XXXX from PREVIOUS federal complaint. XXXX XXXX XXXX  are still attempting to illegally foreclose on my home. As stated on XX/XX/2020, XXXX XXXX  XXXX purports to be the servicer of my home loan. They claim in writing that XXXX XXXX  owns my loan yet when I call to verify whom owns my loan ; XXXX then claims XXXX XXXX XXXX XXXX. owns my loan. I have proof that neither XXXX nor XXXX XXXX owns my loan. ( attached ) XXXX XXXX  XXXX then fires XXXX XXXX. as their foreclosure attorney and then hires Aldridge Pite LLP as of XX/XX/2020. XXXX does not have the authority to act as a servicer on behalf of XXXX or XXXX XXXX because ; XXXX and XXXX XXXX do not have interest in the loan/home. Wherefore, there actions are illegal and criminal. To be more specific these actions are considered illegal foreclosure, fraud and theft by taking. Aldridge Pite LLP will received proof from me that XXXX does not own my loan. I also asked the firm to validate the debt. Their actions ( XXXX XXXX  and Aldridge Pite LLP ) could violate the FDCPA as well as the standard foreclosure procedures legally needed to foreclose on a home in the state of Georgia. In the state of Georgia ONLY THE SECURED CREDITOR CAN FORECLOSE. Aldridge Pite LLP are aware of the laws that govern Georgia Foreclosures. I would like Aldridge Pite LLP and XXXX to prove that XXXX owns my loan prior to them attempting foreclose which is my right to know. It is also my right to verify that the servicer of my loan and their 3rd party debt collector are collecting on behalf of the creditor of my home loan. This also puts me at a disadvantage as whenever my wife and I TRY RELIEF PROGRAMS WE ARE DENIED BECAUSE THE ADVOCATION AGENCIES CANT VERIFY WHOM OWNES MY LOAN.
Consumer complaint received 2021-10-19
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. (WI)

On XX/XX/XXXX we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were given EXPLICIT instruction to run credit with XXXX XXXX ONLY. Instead, credit was run with a number of finance companies without WITHOUT AUTHORIZATION : XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX. On XX/XX/XXXX we sent a letter to XXXX XXXX XXXX to address these concerns as the hard inquires were negatively impacting our credit files. On XX/XX/XXXX we received a written response back from XXXX XXXX XXXX acknowledging this misunderstanding, stating they did not have the capability to remove inquiries from a credit bureau file ; we would need to work directly with the credit bureaus. On XX/XX/XXXX we sent written request to the TransUnion, XXXX and XXXX to remove the XX/XX/XXXX inquires. A copy of the XX/XX/XXXX response back from XXXX XXXX XXXX was included. To date, the unauthorized inquires remain on our credit reports.
Consumer complaint received 2024-11-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (IN)

this company has been harassing me saying I owe money the amount keeps changing I have never borrowed money from this company or gotten a loan from them my identity has been stolen from two different companies XXXX and XXXX I have used the company to provide me with proof I owe the alleged debt by providing a wet signature photo ID or SIGNED original documents or remove this item from my report per FCRA 605 ( b ) is U.S.C. 1681c -2 and they have not I have hired an attorney in this matter to sue to company credit acceptance corp. This company sent me paperwork with my name computer filled in no signature no photo ID no pen writing no signed documents just my name spelled WRONG... ..on a computer generated piece of paper. SCAM ....
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (NY)

The following unauthorized hard inquiries has placed a negative effect on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-16
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. (IL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 ACCOUNTS LISTED BELOW Dear Transunion, Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors docum
entation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be deleted immediately.

1, XXXX XXXX Account # : XXXX  2. DEPARTMENT OF TREASURY ( XXXX  ) xxxxx XXXX 3. DEPARTMENT OF TREASURY ( XXXX  ) xxxxx XXXX  4. XXXX XXXX account # XXXX** 5. XXXX XXXX XXXX XXXX, IN # # # # # XXXX  6. XXXX XXXX XXXX XXXX**** 7. XXXX XXXX XXXX XXXX XXXX**** 8. XXXX XXXX XXXX # XXXX**
Consumer complaint received 2022-07-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Byrider Franchising, LLC (IL)

This company has failed to comply with the Gramm-Leach-Bliley Act. As a financial institution collecting nonpublic personal information from their customers, there are certain disclosures i should have been made aware of. It was never CLEAR AND CONSPICUOUS that i had the option to opt-out of sharing my personal information to third parties. You have knowingly and willfully with held information that explained I the consumer can exercise that non disclosure right. You are in violation of federal law.
Consumer complaint received 2022-07-14
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: Bread Financial Holdings, Inc. (PA)

In accordance with a fair credit reporting act [ CB/NY & CO XXXX XXXX, XXXX # XXXX, XXXX  XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.