davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home American Mortgage Corp (MD)

I am writing regarding the closed claim # XXXX with respect to a VA mortgage loan applied through Home American Mortgage Company . A response was provided and received, and I missed the 60 days window to respond. Therefore, request to provide a close-out response and to reopen my claim or start a new claim. I concur with majority of the statements made by the lender. However, I want provide clarification tied to the following : 1 ). I did contact the Loan Officer, however, according to my cell phone records it was on XXXX XX/XX/2022, at XXXX. I may have also contacted the loan officer prior to this date but on my work cell phone.

2 ). It was not known to me the " Veteran '' would not be responsible for the cost associated with the interest rate lock program. The loan officer emailed me a congratulatory letter on XXXX XX/XX/2022, and spoke of the " Extended Rate Lock Program '' but did not disclose it was at no cost to " Veterans '' who planned to use a VA loan. If it was clear to me the builder was responsible for the cost ; It is reasonable to believe I would had accepted the terms of the program based on the volatile market. Hence, it was at not cost to the veteran. 

3 ). On XXXX XX/XX/2022, I sought clarity, tied to the " upfront fees '' paid by the builder associated with the program. It was not clear to me if the " Veteran '' would be responsible for the " upfront fees '' at closing. The loan officer did not respond until XXXX XX/XX/2022, one day ( allegedly ) prior to HAMC making a decision to terminate the " Extended Rate Lock Program '' on XXXX XX/XX/2022 ; and not disclosing to HAMC staff until XXXX XX/XX/2022. The Loan Officer did not disclose to me until XXXX XX/XX/2022, the program was canceled. 

Based on the aforementioned, I request for the lender to honor the interest rate under the terms provided to " Veterans '' at the time HAMC provided me my congratulatory letter on XXXX XX/XX/2022. It was not clear to a reasonable person the terms and provisions of the " Extended Rate Lock Program '' was at no cost to a " Veteran '' who was using a VA Loan. It required follow-up clarity to fully understand the benefit. However, because we solely relied on emails and also due to the delayed response from the Loan Officer, I was inherently forfeited a benefit through no fault of my own. There is no reason to believe that I would had forfeited a benefit that ultimately would provide a lower interest rate than the prevailing interest rates. I was not clear if the " upfront fees '' would be my responsibility on the back in during closing.
Consumer complaint received 2022-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (PA)

XXXXEQUIUM ASSET SOLUTION has flagged your account as Collections on XX/XX/2022 with XXXX XXXX XXXX for an account with XXXX XXXX. I have never had or had applied for an account with XXXX XXXX, therefore this is an account that was established through fraud and identity theft. I am currently disputing this through XXXX and have contacted the XXXX XXXX Police and filed a police report for identity theft ( Report # XXXX, filed by Officer XXXX on XX/XX/2022 ).
Consumer complaint received 2022-07-14
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. (GA)

I did not consent to, nor benefit from, or authorize any of the following inquiries on my credit report : # XXXX XXXX XX/XX/XXXX # XXXXXXXX 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 US SM BUS ADMIN ODA 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 2023-02-22
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. (TX)

There are two hard credit inquiries on my credit report that I didn't not initiate or give permission for. I've already disputed these two inquiries with CFPB, but for some reason they couldn't be found when I called Transunion. The two inquiries are : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

I want to start off by saying I am a consumer of the United States of America Corporation, pursuant to 28 USC 3002 and I am aware of my rights. I recently attempted to extend my credit by doing a consumer transaction on XX/XX/2022, and was shocked when I was denied, there were a number of frivolous reasons on why you did not approve this transaction. This included you all going to third party agencies and receiving information, that I the consumer, did not grant access to, which is infringing upon my rights to privacy, pursuant to 15 USC 1681 ( a ) ( 4 ) I am protected under the FCRA ( Fair Credit Reporting Act ) and I can not be discriminated against, with respect to any aspect of a credit transaction according to 15 USC 1691 ( a ). You used my social security number, which by law is a credit card and still denied me, when I am the one doing you a favor. Pursuant to 15 USC 1602 ( g ). I am the original creditor, and lender who was attempting to extend my services to you. Additionally the use of your elaborate mechanisms that did not provide specific reasoning on why I was denied pursuant to 15 USC 1681 ( a ) ( 2 ). I would like you to be straight forward with me, as I am with you and tell me why you thought it was okay to infringe upon my right of privacy, just to reject me extending my credit to you, because there are no valid reasons pursuant to 15 USC 1681 ( m ). With all of that being said I am fully aware that I can't be denied for credit ( only insurance and employment ) you can not send me an adverse action seeing as I already completed the transaction when I did the credit application ( extended credit ) 15 USC 1691 ( d ) ( 6 ).

2. ) It's aggravated identity theft because you took my application and entered me into a consumer credit transaction ( knowingly took my l business credit application and opened up a checking account without my permission ). 
I swear that all of the information provided herein, under the penalty of perjury that the information i so affirm to be true and accurate to the best of my ability and knowledge.
Consumer complaint received 2022-07-14
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. (NV)

It appears that my CFPB Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX. Again, I would like to submit my complaint to inform you that I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im as tickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 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 2023-02-22
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: CBC Companies, Inc. (AZ)

Furthermore, as you can see from the information above, this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that them immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). they have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Consumer complaint received 2022-07-14
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: AmeriHome Mortgage Company, LLC (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : AMERIHOM MTG XXXX
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC. (MS)

In XX/XX/XXXX, when I was invited, applied and was approved for an Ollo Rewards card, I was told in print that there would NEVER be an annual fee. Multiple times in print, advertising and card details. Now, I get a statement in XX/XX/XXXX stating they want to charge me a {$39.00} annual fee. I never prior to the billing statement had received any print or oral communications of a possible annual fee being charged now on my Ollo Rewards card. I ask for a correction in this error and breaking of the terms agreed upon XX/XX/XXXX.
Consumer complaint received 2022-06-21
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. (MD)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion Name : XXXX XXXX XXXX, XXXX, ANTHO EMPLOYER : XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXXXXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24000.00} XXXX XXXXXXXX Balance Owed : {$4700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXXXXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX  NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX  XX/XX/XXXX Inquiries 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 Collection : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXXXXXX Balance Owed : {$830.00} XXXX XXXX  XXXX XXXX Balance Owed : {$24000.00} XXXX XXXXXXXX Balance Owed : {$4700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX  XXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX Employer : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiries : XXXX  XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collection : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24000.00XXXX XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00}
Consumer complaint received 2022-07-14
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. (SC)

Upon reviewing my CFPB complaints # XXXX, XXXX, and XXXX, I discovered that you closed my complaint on XX/XX/XXXX. Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$120.00} ; 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 XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDITREPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than4 business days after the date of receipt.
Consumer complaint received 2022-07-29
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. (FL)

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} CHILDSUPPORT XXXX Balance : {$270.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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. (GA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened a safe checking account with Bank of America about three years ago. The reason I opened this account was so I could never over draw my checking account. 

I was living in a hotel for a few months last year. I was charged several times for charges that were not authorized and in fact were suppose to be credited to my account. Bank of America Allowed these charges to go through when I didnt have money in my checking account. When they never allowed charges to ever go through before. These charges were placed on 2 different occasions a and I submitted a claim with Bank of America. They paid 3 of out of the 6. 

This has caused so many problems for me I no longer have a checking account cause it was closed due to my account being over drawn XXXX dollars I feel like I was taken advantage of and Bank of America refuses to help me
Consumer complaint received 2021-09-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (AL)

I received a bank statement via mail from BB & T in XX/XX/2021- the statement showed a checking account and a money market account. After contacting the local branch, I was made aware that an account had been opened online using my name, home address, date of birth & social security number. The person used a different drivers license number & email address. The bank allowed the account to be opened online without verifying that the person who opened the account was who they said they were. When questioned, the bank stated they aren't capable of verifying a person against their drivers license number when they provide that information. I personally find this very disturbing as there is a statement that accompanies most financial transactions indicating that the government requires financial institutions to obtain and verify identification of individuals. 

After talking with the bank, I was also made aware that the account had been closed by their fraud department. I filed a police report and gave the officer the information I had received from the bank. The officer who completed the report did confirm the drivers license number was valid and they obtained an address for the individual. 

However, I was assured that the bank had closed the account. 

I have since received statements for XXXX, XXXX and XXXX. The last one indicated that a negative balance has now been charged off as a bad debt. I have also received a complete money market packet. 

During this time, we were working with a mortgage company regarding a refinance of our home and current mortgage. Unfortunately, this bogus account is being reported to XXXX and my refinance was cancelled by the lender. Since then, a bad debt / charge off of the account has been reported on MY credit and I didn't open this account. 

I have reached out to the bank via email to keep everything in writing however they only responded stating they would look into the situation. Since they responded, I have received the negative statement with charge off and the money market packet. 

This is completely unacceptable and I want this matter resolved immediately. It has cost me a lot and if the bank can't verify a person by matching their drivers license number to their name, maybe they should figure out a way to protect people or not allow accounts to be opened online.
Consumer complaint received 2022-06-20
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. (NY)

In accordance with the Fair Credit Reporting act 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