davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
US DEPT ED XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX
Consumer complaint received 2022-07-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/XXXX, XXXX and myself attempted to pay off the remainder of my loan from USAA and receive the title so my claim could be paid immediately from my auto accident. However, USAA realized they made an error several years ago and didnt place themselves as a lien holder. XXXX then asked just a statement that they have no financial interest in the car so I could be paid immediately to purchase a new car. However, they declined to do that. Instead, they want me to wait 30 days for them to go through a process to correct their error. Mail it via USPS. XXXX would then take an additional week to process it leaving me to pay out of pocket for a rental for a month. This is egregious as it was their original error and they have no interest in my car.
Consumer complaint received 2020-11-18
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 am filing this report because today XX/XX/20 I applied for a XXXX  credit card and I was denied due to having an account in negative standing appearing on my credit report. The account is from this company ; XXXX XXXX XXXX. This account does not belong to me nor do I have any written/verbal contract with this company. I did not open an account with this company and I did not allow anyone else to open an account on my behalf. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not make any payments towards this account. I have already filed a police report regarding this unauthorized account.
Consumer complaint received 2020-11-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection of  XXXX to report items on the credit profile. Wanted to satisfy the debt. Customer service refused payment, requested documents, documents sent. If practices failed with refusing payments, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Consumer complaint received 2020-11-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection of  XXXX to report items on the credit profile. Wanted to satisfy the debt. Customer service refused payment, requested documents, documents sent. If practices failed with refusing payments, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Consumer complaint received 2022-09-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OK)

I have not received clear instructions on loan modificationI keep having to explain over and over about whats going on.Also have spoken with manger but that does not do anything. They said the sent a loan modification offer but we never received it and the manager show the never sent it now t to he rejected a offer we never received and the they sent a congratulations that they will accept offer and its no one in charge and manger or supervisor is always busy and never call back while were scared are might go in to foreclosure because Mr. Cooper keeps dropping the ball
Consumer complaint received 2022-02-15
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. (MN)

I have attempted contact with TRANSUNION for the removal of the following inquiries. Their investigations are incomplete. I am was never furnished proof that the inquiries belonged to me. XXXX failed to complete a full investigation Under the Fair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I )
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (NJ)

I have requested the M & T Bank records for my 1999 original purchase Hudson City Savings Bank mortgage. M & T Bank acquired HCSB and should have the lien release records. I suspect that the " BOOKS HAVE BEEN COOKED '' and that the HCSB mortgage was not paid off because the mortgage was never issued from the beginning. After my offer was accepted in 1999 I tried to get an attorney to do the closing and the attorneys told me a variety of reason that the house could not be sold such as it was owned by the town, that the property was foreclosed on and that the house belongs to a pool of homes that can't be sold. I got a call back from attorney XXXX XXXX XXXX who said he could do the closing. The sellers signed under penalty of perjury that they were selling me XXXX XXXX XXXX and not the correct address of XXXX XXXX XXXX. The lot and block were changed before the sale. The sellers closed with power of attorney and the deed and the title insurance are no where near along with many other things that point to fraud. 

THE COUNTY RECORDS ALSO SHOW THAT THE MORTGAGE WAS NEVER FILED. I AM REQUESTING M & T Bank to be honest with me and forward me any records that they have of XXXX XXXX XXXX XXXX, N.J. XXXX
Consumer complaint received 2022-10-12
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. (SC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2020 I requested online that Capital One change the account from which they debit their auto monthly payments to XXXX XXXX XXXX. ( See screen shot verifying this ) They subsequently debited on XX/XX/XXXX and XX/XX/XXXX my monthly payment of XXXX my XXXX account. I called today and spoke with XXXX on a recorded line and two other reps who refused to refund me the {$72.00} overdraft fees I was charged. XXXX admitted that Capital one made a mistake and never debited the right account. She went further to acknowledge that she had both the routing and account numbers for XXXX but did not know " why '' they debited the wrong account. They refused to refund my {$72.00}, however they advised they would as a courtesy refund {$35.00}. I terminated the call after that and refused to accept the {$35.00}
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I HAVE DISPUTED WITH 3 BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THESE INQUIRES AND 3 BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Consumer complaint received 2022-09-27
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. (TX)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2015 XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$49000.00} XXXX XXXXXXXX XXXX Balance : {$2900.00}
Consumer complaint received 2022-09-27
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)

On XX/XX/2022 I summitted a complaint with the CFPB complaint id XXXX, in response to my complaint Equifax stated that these accounts were verified and that it has completed its investigation, including contacting the furnisher of the information where applicable but how is that possible if a proper investigation did not take place. According to Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as 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 is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include specific factual information on a consumer 's 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. 
Equifax DID NOT fact interview with my neighbors, friends, family, or associates who may have such knowledge concerning any such information. Equifax stated that they verified the information directly from the creditors, but the laws say such information SHALL NOT include specific factual information on a consumer credit report obtained directly from the creditor. 

The Congress makes the following findings, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

According to 15 U.S.C section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instruction. This is a violation of my privacy according to section 602 A of this title.

These accounts should not be furnished on my consumer report as they are a violation under 15 U.S.C 1681b, I never gave any reporting any consumer reporting agency WRIITEN COSENT to report anything on my consumer report which violates my right as a federal protected consumer.

15 U.S.C 1681s-2 ( A ) ( 1 ) A personal SHALL NOT furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Due to the improper investigation that took place serval times, as a consumer I am demanding you block and delete these accounts from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

in XX/XX/2020 someone used my navy federal credit union card to make a purchase without my knowledge.. the purchase was over {$1500.00} to a company called gotogate.com I tried to resolve with both companies and no one cares
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

Long story short, my escrow refund was lost in the mail and I have contacted Dovenmuehle twice about getting another check sent. I closed on my previous mortgage on XX/XX/2020. My escrow refund check was issued on XX/XX/2020. I have reached out to them after a month waiting in XXXX and XXXX. I still have not received the balance due to me or any communication that it is in process.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax and XXXX XXXX XXXX ( Account # XXXX ) are violating my rights to privacy under 15 U.S.C. 1681 section 602A. 

Equifax is allowing XXXX XXXX XXXX to furnish Account # XXXX to my credit report without my written permission. I have never heard of XXXX XXXX XXXX or signed a contract that granted them permission to furnish an account to my credit report. 

I contacted the company listed as the original creditor, XXXX XXXX, and have not gotten any response from the company about the alleged debt despite calling several times. I also sent a follow up email that did not get a response. ( please see attachment # 1 ) When I disputed the account and asked Equifax to conduct a full investigation ( attachment 2 ), they stated that it was properly investigated. However, when I requested the method used to verify the debt ( please see attachment # 3 ), they did not respond. I was not provided the business name, address or phone number of any furnisher that was contacted for the debt they reported as verified. 

Under FCRA 611 ( a ) ( 6 ) ( B ( iii ), a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

Equifax and XXXX XXXX XXXX are using Account # XXXX to not only violate my rights but to bring hardship on me and my family during a national emergency. Please end this abuse by removing this account from my credit report immediately.
Consumer complaint received 2020-11-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Totaled my car no fault of my own XX/XX/19 XXXX my insurance settled with XXXX XXXX before the end of the month. XX/XX/19 XXXX was paid off and XXXX  out my balance. I also received a check for {$72.00} that was extra tax or something from settlement. XXXX dealt with other persons insurance. Then a month or so {$5900.00} is reported as a balance. My Dad had passed away and I was working during the week, driving 7 hours both ways every weekend till after XXXX week in XXXX. It wasn't hurting anything just sitting there. I got another check for XXXX deductible. My cosigner on the loan called XXXX to see if it was supposed to go to them and ask about the amount on the account. They told her it was a error and would fix it. XXXX said I owed the XXXX plus another XXXX tire wear. This was into XXXX, they then " fixed it '' by charging off the {$5000.00} error after I paid the XXXX XX/XX/19. I had told them I needed to find out about any tire wear no one had said anything to me. I got some paperwork from XXXX but couldn't tell why I owed the XXXX but paid it XX/XX/19. I had disputed their error the charged off per an employee there saying I would have no trouble. All 3 CRA keep letting them backdate up to 5 months of late charges, and 3 charge offs for the same account. Every time I dispute they let XXXX retaliate derogatory remarks. It is very clear the errors and I sent statements from XXXX who also tried to help me get the money. You can look at the credit reports and see its not right without any proof even. I have been trying to buy a house, deal with dads death, and 100s of man hours into something simple. I sent proof that could not be disputable because of supporting back up. I demanded they make XXXX prove that the statement XXXX told them they owe me was not true. The CRA has not made them provide anything! Others have had the same exact kind of problem and it is crazy they are not made to provide anything. I have where they have accounts different records where they add memos and do special posts.
Consumer complaint received 2020-11-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. The CFPB complaint numbers were XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, Experian or XXXX to resolve anything. I also know that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX and Experian must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting 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 : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX CALIFORNIA XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX CHECKING OR ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING 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 than XXXX business days after the date of receipt.