davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC (FL)

XX/XX/XXXX I closed on a home I purchased. XXXX XXXX XXXX XXXX is my lender and banker for my business account. 
While in the selling process I discovered the buyer was using a VA loan to purchase my prior home I sold to him. 

Moving forward to XX/XX/XXXX. I received a call from someone wanting to buy the home to add to his investments. I explained it was already sold to a vet buyer. He then explained to me the home was for rent on XXXX and I was the name on the Property Appraiser site. I hung up and looked up the address in XXXX and sure enough its there. 

Knowing VA loans ( my half brother, step dad, dad, and grandpa ) VA loans require you to live in them. Sure you can rent a room out, but this ad is for the full 3bdrm 2bth house. The price doesn't make sense for that to be a room price either. 

So I called the VA hotline, gotten a REF : XXXX, and on XX/XX/XXXX, and XXXX I called Rocket Mortgage the lender of the individual whom bought this home. Rocket Mortgage after giving me their sing-a-long song and dance routine I finally got to someone whom promised me a reply in 72 hours. That individual called me and she assured me they would get this taken care of. Well here is the problem. It's not been taken care of. The ad is still listing on XXXX for rent, and I am still getting calls on the property. 

I am fully aware the individual is supposed to live there and CAN rent other rooms. But this is NOT the case otherwise the 3bdrm 2bth house would list as 1 or 2bdrm for rent. Not the full 3/2, nor at that price point. The neighbors XXXX, XXXX, XXXX and XXXX all confirm no one is living in this home. 

This neighborhood is an extremely tightly close group of home owners and they all watch out for one another and work to keep squatters out, and communicate with each other. It is a true neighborhood watch community with monthly meetings. 

The VA user details I can provide as instructions above stipulate not to include in this complaint. 

Rocket Mortgage still to date hasn't taken care of this issue and the ad is still listed. I DID report the listing today with XXXX as a problem address.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/2023 I made a payment to my USAA Credit Card from my Chase Checking Account in the amount of {$1000.00}. USAA puled that money from my Chase Checking Account on XX/XX/2023 and never applied to my USAA Credit Card. When I asked for USAA to either apply the money to my credit card or give it back ; USAA said that they investigated the issue and determined that they didnt do anything wrong. I have the XXXX XXXX of my dealings with USAA as well as statements showing that they did in fact took {$1000.00} from me. I need help in getting my money back. Thank you.
Consumer complaint received 2021-12-10
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. (GA)

XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information.. 
this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (CA)

I am a victim of identity theft. I am requesting inquiries to be deleted off my report as they are unauthorized and not made by me. I have attached supporting documents then my identity has been stolen and I am in the process of recovering and clearing it out.I have reports from XXXX XXXX XXXX also froma submission sent in to the FBI about my accounts getting hacked and stolen funds.
Consumer complaint received 2023-01-03
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. (IL)

I sent a certified letter to TransUnion, XXXX, and XXXX there are inaccuracies on my credit report from XXXX XXXX  and they took over 30 days to investigate which is a violation to my rights.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

I was informed by email that Chime was closing my account on XX/XX/. They closed it that day and said I would be receiving my funds by paper check within 30 days. I contacted them that same day and asked if there was any way I could retrieve the funds before closure. I was told no by the first rep who seemed to be reading from a script and didn't care. I was told by the second that he would send an escalation and someone would contact me within 24 hours. No one contacted me and I have received neither check nor any communication since. This has really messed up my finances since I have all my money in this bank and must now wait for them to decide to send MY money to me when they feel like it. Today is XXXX and I still have nothing.
Consumer complaint received 2021-08-10
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. (TN)

This complaint includes CFPB, XXXX, and TransUnion. CFPB DO NOT DISCARD AS DUPLICATE AS YOU HAVE DONE SO MANY TIMES PREVIOUSLY. CFPB YOU WERE CREATED TO HELP CONSUMERS BEING TREATED UNFAIRLY AN INJUSTICE AGAINST THE CRA 'S, WHEN WILL THE CFPB BEGIN DOING SO?? I SENT AN EMAIL TO THE INTERIM DIRECTOR AT THE CFPB Mr. XXXX. After reaching out to CFPB Ombudsman. XXXX, TransUnion are stating that they're verifying information with the furnisher XXXX regarding 3 bankruptcies filed in my name in United States XXXX District of Tennessee Bankruptcy Court in XXXX, TN. XXXX  has refused numerous times to provide there Method of Verification as requested by me. XXXX sent a letter to CFPB back in 2020 stating the removal of the bankruptcies from their files. XXXX have sent recently another letter to me showing no bankruptcies are listed. However, XXXX, TransUnion have been stating that they '' ve verified information as being accurate through XXXX since 2020. I provided them with an FTC Identity Theft report, police report and a lot more documentation, yet they have not removed them. I have never lived in XXXX, TN. I want these bankruptcies off of my credit report. Along with XXXX XXXX XXXX loan. CFPB should investigate how the XXXX  and TransUnion have been verifying and reporting information from the furnisher XXXX, that they're not reporting.
Consumer complaint received 2022-07-18
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights, 15 U.S.C 1681 section602 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.
Consumer complaint received 2022-09-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

In various attempts to get a " Personal Statement '' added or updated on my Experian Credit Report, they have since removed the statement all together. 

I will attach an XXXX Experian Credit Report that does not show our last Personal Statement. And instead is showing something entirely different.
Consumer complaint received 2022-06-19
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. (PA)

The Credit Bureaus stated my account was properly investigation and is reporting correctly, but how is that possible if the open date is inaccurate, the date last active is inaccurate and was re aged, and date last reported is not accurate. This ground for removal they also violated my rights under 15U.S.C 1681 ( 4 ). 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 15U.S.C 1681i ( 2 ) prompt notice of dispute to furnisher of information 15U.S.C 1681s ( 2 ) duty of person after receiving notice of dispute 15U.S.C 1881i ( 5 ) treatment of inaccurate or unverifiable information here is tracking number XXXX
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

All 3 credit bureaus are not updating my XXXX XXXX score & its affecting my ability to obtain a loan from the Small Business Administration to be able to obtain the EIDL. I need those 3 scores updated & rescored immediately so that I can get this approved. There is a 100 point difference & its making me look like an unworthy & irresponsible lender as well as human being. My FICO scores are in the XXXX but the XXXX  XXXX is in the low XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX with new & updated information about my previous complaint XXXX, XXXX & XXXX XXXX XXXX has not only failed to comply with the FDCPA but has also failed to comply with the FCRA as well by report-ing an alleged account that has not been properly verified- ( sworn under oath 28 USC 1746 ). I am demanding that all report-ing to all consumer reporting agencies- ( TransUnion, XXXX XXXX XXXX XXXX cease immediately.
Consumer complaint received 2021-08-09
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 

Fraudulent Accounts XXXX XXXX XXXX I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA.
Consumer complaint received 2021-08-09
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA.
Consumer complaint received 2021-08-10
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: Experian Information Solutions Inc. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding a matter related to the Fair Credit Reporting Act ( FCRA ). I am a federally protected consumer, and I am exercising my rights under 15 USC 6802 by opting out of any and all authorizations, be they written, unwritten, verbal, or non-verbal, that I may have provided to XXXX XXXX XXXX. 

Despite my efforts to address this matter directly with XXXX XXXX XXXX, I have not received a satisfactory resolution. I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are respected. 

Enclosed with this letter is my original correspondence to XXXX XXXX XXXX, dated XX/XX/2023, in which I formally requested the cessation of any authorization-related activities and compliance with 15 USC 6802 . I have yet to receive confirmation or any indication that my request has been processed. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure XXXX XXXX XXXX complies with the FCRA. I believe that a third-party intervention is necessary to resolve this issue. 

If additional information is required from me to facilitate this investigation, please do not hesitate to contact me at the provided contact information. I appreciate your attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2021-08-10
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)

Credit reporting agencies are reporting false information on my credit report and is hindering me from obtaining a auto loan, I need help. I really need a car to bet t work. I sent them a letter on XX/XX/2021 and I have gotten no response or correspondence
Consumer complaint received 2022-11-30
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. (CA)

I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Transunion about the theft of my Identity and that the item was never mine, they never cared nor paid any attention to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account permanently : XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a bank of America Credit card. I pay my credit card balance 3 days before the due date and the XXXX score displays delinquent payment thus they lowered my credit and XXXX score. I can prove my credit card was paid on time by submitting bank statements. They do this to only people of XXXX. I am being discriminated by bank of America refusing to report correct credit usage information and raise the credit score. I have no open loans on my credit, everything is paid off.
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Good day, XXXX having problem with my paypal account saying " You can no longer do business with PayPal ( Ref ID - XXXX ) '' When I was busy with my business, I received an email from paypal saying that I can no longer use the service of paypal. I'm having a hard time because i used it as a payment method for my business.My business stopped because of this problem.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX XXXX I enrolled in financial assistance on the Bank of America Application. 

I received and email that my payment will be {$320.00} due by XXXX XXXX. 

It was my understanding that the payment was due XXXX XXXX {$320.00}. I received 30 day late credit reporting and an E statement stating Your account is 2 payments past due, with {$540.00} due today. Today, XXXX XXXX before close of business, the day I was advised to pay {$320.00}. Ive been misled by Bank of America deceptive practices and have been negatively impacted due to a written disclosure omitting information on the service. Ive received collections calls on my cell phone number without consent, before XXXX XXXX the date I believed to be my payment date due to the financial assistance agreement I received. The lack of understanding of the reduced payment agreement is due Bank of America withholding the accurate conditions with an account that is current.
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (WA)

I received phone calls and texts from a XXXX XXXX from Hillcrest, Davidson and Associates regarding debt collection for a person of the same name as myself in Utah. i explained that he had the wrong person, and I have nothing to do with this person or company. I sent a cease and desist letter on XX/XX/XXXX certified with return receipt explaining this debt is not mine and that they have the wrong person. In addition, I asked for verification of the debt. The collector said he found my contact on linkedin and thinks it's me because there's so much information out there apparently. 

No response was received and no verification of debt was sent. I kept receiving collection notices with threats of legal action and credit bureau reporting on XX/XX/XXXX and XX/XX/XXXX. 

I checked this person on XXXX that he was pursing. The person is a different ethnicity, age, education and lives in a different state. My first and last name match this person but the middle name is incorrect as well. 

The debt is for a company named XXXX XXXX for {$15000.00}. Again this is not my debt and they have the wrong person. They ignored my cease and desist letter as well as request for debt verification.