davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I have requested my PMI be removed on my home. I obtained a BPO appraisal and was appraised to a value that put my LTV at 80 %. The mortgage company rejected my request because now they are saying my LTV has to be less than 75 % because my loan is less than 5 years old. I have searched the laws and I cant find that listed anywhere. This is not the mortgage company I bought my home through. My loan was sold to this company just a few months after closing. I didnt sign up for those terms. I sent a rebuttal letter XXXX and never received a response. I called the mortgage company in XX/XX/2019 and it was under review. I called again around XXXX and was told I was still denied due to the length of the loan and LTV was not less than 75 %. I was told I would be receiving a letter, however I did not receive any letter or follow up.
Consumer complaint received 2022-09-19
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. (CA)

I've been in correspondence with the three Bureaus about the misuse of my credit report and they responded with a superficial answer not even addressing the complaint. I'm requesting a thorough investigation of matters and my report corrected. I've asked reporting agencies to not place items on my report without my written permission. However, they have ignored my appeal and I am now requesting CFPB to correct this matter, so I don't have to contact the Attorney General. 
In accordance with the fair credit reporting act 15 U.S.C 1681 section 602A my rights have been violated because i have the right to privacy. Also, 15 U.S.C 1681 section 604A also states a consumer reporting agency can not furnish acct info without my written instruction. 
These companies continue to report after my request to stop : XXXX XXXX XXXX acct # XXXX ( XXXX  XXXX XXXX XXXX XXXX ). XXXX  XXXX acct # XXXX. XXXX XXXXXXXX acct XXXX XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX have all violated my rights and i want the accts removed.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (WA)

XX/XX/XXXX Disputed the transactions and was closed within 10min of opening the disputes Dispute Case ID : XXXX Transaction Amount : {$2000.00} USD Dispute Case ID : XXXX Transaction Amount : {$1700.00} USD Dispute Amount : {$1700.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 2020
Consumer complaint received 2022-06-24
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-09-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Received an e-mail on XX/XX/2021 at XXXX that a Bank of America XXXX XXXX account was being opened in my name. I was given the last four digits of the account number, which was XXXX. I had not opened this account, nor did anyone in my household. The account was approved and then the e-mail address was changed to one I am not aware of. This account was opened fraudulently, so I attempted to contact Bank of America. When contacted, I was transferred multiple times and then hung up on. This happened three times. I am not sure what to do, as the account is still open and I can not access it.
Consumer complaint received 2023-04-26
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. (TN)

my rights have been violated by TransUnion, XXXX, and XXXX on XX/XX/2023 I submitted my Victim Determination Letter along with the rule attached to it along with the list of adverse items to be blocked in 4 days. I received a response that has nothing to do with what i submitted to them and that same adverse information is still parked on my credit without my permission. List of violations are adverse information not being blocked 4 days per the final rule on victims of a severe form of XXXX XXXX  debt parked on my report to coerce payment from me, not in agreement with their membership contract to uphold state and federal law.
Consumer complaint received 2020-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CA)

XX/XX/2019 Amount : {$1000.00} Original Creditor : XXXX XXXX XXXX  Debt Collector : Commonwealth Finance The incident involved plenty of miscommunication due to my XXXX. There was misunderstanding which my rights were being taken away. If I knew the legals, I would have not accept the ambulance ride and brought my attorney with me to clear up the miscommunication. Instead of this, I was forced to go with two options which was to get arrested or to get checked by going on ambulance ride. The law enforcement did NOT provide XXXX XXXX XXXX interpreter at all. Instead of providing a professional certified interpreter, the officers communicated with me through writing. English is not my first language. ADA law  requires for them to provide the interpreter so they violated this law. 

I did not need or request the ambulance ride. What more? I did not have health insurance due to hardships. I felt that I am not obligated to pay this debt and can not afford as well. 

Am still going through hardships with XXXX   children I have. 

After taking me in for the check up, they released me. I did not deserve all of this nor to be arrested which I did nothing criminally. 

I do not have money for attorney to clear up this mess and am researching on ADA laws to protect my rights.
Consumer complaint received 2022-07-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (NY)

CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX this is an account that I owe to XXXX XXXX what is the wrongful practice that above collection agency doing? 
They have practice of renewing " Newly Reported Date '' so the account stays in the burrowers credit report for indefinite period of time. Which in return this debt won't fall off after 7 years. 
This month they reported again as new debt collection, XX/XX/2022. 
I'm not the only victim here. 
Very aggressive debt collector. Bought debt off of XXXX XXXX  now trying to maximize the book for themselves. 
Do something.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION (FL)

In XXXX Regions Bank XXXX XXXX AL. fraudulently opened a line of credit ( LOC ) ending in XXXX for {$15000.00} without my consent. Originally, I assumed the LOC was a credit offer not an active account, so I did not take any action and left it alone. In XXXX XXXX, I started being billed fees against this account that I did not ask for, want and/or need! As of XX/XX/XXXX, I have spent hours and hours of my time on the phone with Regions bank customer service, collections, Account Services and Fraud Departments along with visiting my local Regions branch in XXXX Fl. XXXX to be told this issue would be resolved and acct. closed. Again, as of today XX/XX/XXXX, Regions Bank keeps applying fees and sending negative comments to all 3-credit bureaus driving my XXXX plus credit score below XXXX and dropping. I have tried to clear this issue any number of times without success! I can not tell you where the XXXX XXXX XXXX branch of Regions is let alone do business with. If this is how Regions is going to conduct business, and not assign any type of case number to show comments on an account I will take my business elsewhere.
Consumer complaint received 2021-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2020-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (CA)

NAVY FEDERAL CREDIT UNION CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFROM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT, AND VERBAL THREATS OF LEGAL ACTION. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT ID COULD RAISE OR LOWER THE RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE NAVY FEDERAL IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have contacted XXXX several times in regard to my consumer rights being violated. gross income or ordinary income or canceled debt is excluded from consumer reports. XXXX received a tax deduction for this charged off account : XXXX but i never received my 1099c form this is tax fraud XXXX has committed. this account is inaccurately being reported to all three of my consumer reports. this is a violation of 15 usc 1681a they lied said it wasn't cancelled in a letter, but it was because it still reports monthly as a charge off i demand this account to be deleted. 26 usc 6050p was also violated by XXXX.
Consumer complaint received 2023-08-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OR)

The company name is Zelle. It is a 3rd party with XXXX XXXX. Zelle is a company that transfers money outside your Bank. This is a scam that included they were with XXXX XXXX. Told me over the phone that there were 2 charges of my Credit Card ( which was showing on my account ) .. told me they were purchased in XXXX XXXX Florida XXXX One transaction of {$400.00} and another of {$420.00}. the person on the phone ( which we will call her XXXX ). I disputed both of them and XXXX said to get the funds back have you heard of Zelle which they are used with a lot of Banks including XXXX XXXX. So I asked her how it works. She explained to me that you can transfer the money back into your accounts. I feel this XXXX is an inside job of XXXX XXXX  because she knew a lot about my accounts like the funds involved she also " told me '' my account numbers. So I he whole transaction took these ounts from my accounts and used a phone number that wasn't mine.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

Equifax Mortgage Services ran three hard Inquiries on credit report. Dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2020. I never authorized This company to run 3 Hard Inquiries.
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX  credit card is showing up again on my credit and its reflecting a negative remarks ; however back in XX/XX/2021 I saw this same account and they closed the account but now it has popped back up
Consumer complaint received 2020-01-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC (TX)

I open this loan account around XX/XX/XXXX I was told by one of their employee I will be able to do a early payoff, and wont be change all of the interest that shown, I sign up to paid once of month On XX/XX/XXXX I ask for my paid off to pay this loan off after making a regular monthly payment and was told half was going towards the principal plus I paid XXXX extra I borrow XXXX dollars very lil was put towards my borrow amount that's when I decide something wasn't right called back the next day ask what was my pay off the amount was very high after all this I view BALANCE CREDIT rating appear I'm not the first one that had this problem I wish I could have check before opening this account this loan company need to be investigate and reported Thanks
Consumer complaint received 2022-07-04
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. (IL)

In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX and 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. States a consumer reporting agency can not furnish a account without my my written instructions.
Consumer complaint received 2022-07-25
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)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item 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/remove these files. If you feel there is a possibility this account 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. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ROCKFORD MERCANTILE AGENCY, INC. (MN)

Incorrect personal information and billing. 
Incorrect phone number. 
Incorrect address. 
Incorrect ethnicity. 
Incorrect age. 
Incorrect name. 

For bill amount of {$2000.00} XXXX XXXX started XX/XX/XXXX This is now effecting my credit score. 
I have given multiple attempts to dispute charge and call/email company to resolve this matter. 

Last attempt to call company was earlier this evening @ XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AZ)

I am writing to dispute a charge of {$460.00} from XXXX XXXX on my Chase credit card. I rented a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and returned it on XX/XX/2023, XXXXXXXX XXXX. When I returned the vehicle, I inspected it thoroughly and did not see any damage. The Inspection employee was not present, so video and pictures were taken of the car as proof of return with no damages. However, XXXX XXXX is now claiming that I am responsible for damages that occurred to the vehicle while it was in my possession and is refusing to solve the issue. I then contacted JP Morgan Chase who my credit card is under and they are giving me additional problems. 

I am disputing these charges because I am not liable for damages that occurred to the vehicle before or after I had possession ( when returned with no damages ) of it. I have provided supporting documents to Chase, including : Multiple pictures of the returned car 's condition with no damages. 
A copy of my call logs showing XXXX not answering my calls of existing damages not reported in their previous inspection report before giving me the car. 
A copy of photos showing XXXX had moved the car before doing the inspection as the pictures they provided are not the same as the spot I had returned the car. 
I believe that I have provided sufficient evidence to dispute these charges. I am requesting that Chase reverse the charges and issue me a refund. 

Chase has multiple times has denied my dispute and say the charges is valid even though I have provided thorough documentations to prove I am not responsible for the charges. They have then ignored my documentations for a redispute by not reviewing my case till 3 weeks later and then coming to a conclusion 2 weeks later, so I have been waiting for another month just for them to do a additional review. They keep on saying I am arguing about a billing error, but provided a additional letter stating I am not disputing over a billing error, but a damage error. So the person who keeps reviewing my information by the name of XXXX is not reading through my documentations or has a personal vendetta with me and is refusing to change the outcome. 

Both companies are refusing to solve the issue when video and photo evidences was documented and provided. Both companies also suggested to document everything which I did and now they're refusing it. 

If you have any questions, please do not hesitate to contact me. 
Thank you for your time and attention to this matter.
Consumer complaint received 2023-01-24
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)

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 an account without my written instructions.
Consumer complaint received 2021-08-10
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. (TX)

My credit report has accounts reporting that should not be reporting on my consumer file under 15 USC 1681 and 15 USC 1681b. I have tried to communicate with these companies to resolve the problem and I have not received a response. I am suffering mentally and under the Fair Debt Collections Practice Act my rights are constantly being violated.
Consumer complaint received 2020-01-19
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. (GA)

On XX/XX/XXXX, I was alerted of a new hard credit inquiry appearing on my TransUnion report. 

The inquiry came from XXXX. I contacted XXXX by phone on XX/XX/XXXX and they assured me that they had no record of a credit inquiry associated with my name. 

Also on XX/XX/XXXX, I created an account online with TransUnion to dispute the inquiry. I was able to see that the inquiry was associated with an address and phone number that were not mine, nor at all resembling mine. TransUnion had added the bogus phone number to my credit report. I was able to dispute the phone number online, and TransUnion removed the bogus phone number from my report immediately. 

However, I was not able to dispute the credit inquiry through the web interface. 

On XX/XX/XXXX, I called TransUnion to dispute the inquiry. I spoke to a representative who was able to verify that the bogus inquiry was appearing on my report. They refused to take any action, instead saying I needed to obtain a " Letter of Deletion '' from XXXX before TransUnion would take any action. 

I'm especially concerned about identity theft because on XX/XX/XXXX and XX/XX/XXXX, I received emails from two British loan companies, XXXX and XXXX XXXX, as if I were applying for loans from them.