davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

Error on closing. VA cost benefit credit of {$2000.00} not given to veteran directly, Due to Agengy limits of cash back overpayment was applied to mortgage. Veteran was not given the option to receive the overpayment. Attorney /Title company representative did not reveal dual agency and made the decision to apply the {$2000.00} to my account on XX/XX/2022. I received the revised Closing Diclosure on XX/XX/2022. I closed on XX/XX/2022.
Consumer complaint received 2024-11-26
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Acra Intermediate Holdings, LLC (TN)

Acra lending repeatedly ignored requests for updates on funding as well as cash to close and other disclosures repeatedly asked for. I felt they labeled my loan a commercial loan for an Investment property when it so they would not have to be following RESPA/TILA. they did not advise cash to close or other disclosures until just minutes before closing, demolishing any chance I had to negotiate or discuss closing costs, as well as concerns that I could be using all Of my savings for a deal they seemingly looked to sabotage. They delayed the process and the company who brokered it even had discussed banning their service nationwide. The title company could not get clear answers and repeatedly voiced their displeasure on how difficult they were to deal with. They are sticking me with a pre payment penalty loan. I was originally okay with this but given their repeated shady practices and lack of disclosure or estimates throughout, I fear for my financial well being with this company. They are attempting to lock me in to this company and I nearly lost the home due to their repeated failure of disclosures from underwriting or to my loan manager. I do not feel comfortable and tried to back out of the loan, but due to their bad faith and delays, I was unable to have other options without losing the home. I understand it is a commercial loan in their eyes but it was not described as this and the only response and urgency I had from XXXX and his supervisor XXXX was when I brought up a CFPB complaint ( I only spoke with XXXX and felt brushed off on my concern ), showing they were only looking to avoid issues for themselves, with complete disregard to our requests for basic information regarding the loan. I fear the pre payment penalty is intentional since they have shown a poor ability to run smoothly or to answer concerns/ get documents in a timely manner. I see many reviews of their company ( after beginning issues arose I dug deeper into them ) and see repeated issues of delays, lack of information, and a genuine distrust on how they handle themselves as a business.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

RE : XXXX XXXX  XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, 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. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Consumer complaint received 2022-09-15
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. (CA)

TransUnion did not have permissible purpose, nor did they have my written instruction. I have attempted to resolve the issue directly with TransUnion. Please see attached certified mail and receipts. According the FCRA, TransUnion violated 2 of my rights : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction
Consumer complaint received 2022-06-27
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX  account # XXXX has violated my rights 15 usc 1681 section 602a states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer. Reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (TN)

I had my mortgage loan transferred from Flagstar to XXXX XXXX. I got a message from XXXX saying my home insurance wasn't paid. I called XXXX XXXX and they blamed Flagstar, but took my info and said they'll pay XXXX through my escrow. 

I contacted XXXX and they said by the time they get the payment from XXXX XXXX my insurance would be cancelled. The only way to prevent that would be to make the payment myself for over XXXX XXXX. I did make the payment.
Consumer complaint received 2022-10-13
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: Maximus Federal Services, Inc. (VA)

I attempted to dispute these online via the application using XXXX, to no avail.I never authorized XXXX, Department of Education XXXX XXXX  XXXX XXXX, or Aidvantage to share my personal information with anyone. This was never a loan. I am aware this entry was merely a creation of numbers and decimals, obtained by my signature. As noted in UCC 1-201 ( 24 ) and UCC 3 ( 104 ). This was a consumer credit transaction. An extension of my own credit, as there has been no real money since 1933, therefore all debt is discharged and otherwise the responsibility of the United States. In accordance with 34 CFR Part 99 and the Privacy Act of 1974, I wish these entries to be removed from my credit report, simply because I did not authorize them. These entries are showing a " current '' report status even though some are 12 years of age. I did not nor do I now consent to my personal information being shared. It is fact that my signature secured this transaction. Please remove these immediately, as this is constructive fraud. 
Reference # XXXX. There are 5 total entries totaling {$24000.00}. XXXX, XXXX, and XXXX are not even credit bureaus, they are private agencies playing with people 's lives. Straight fraud!
Consumer complaint received 2022-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-06-08
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX have been reporting negative information over 7 years and is refusing to remove the information from my credit report. This information is being reported to all XXXX major credit bureaus. The initial late payment was reported XX/XX/XXXX. 7 years is XX/XX/XXXX. XXXX made the account status derogatory XX/XX/XXXX which has the account reporting negative until XXXX. This goes against FCRA and XXXX, XXXX and Trans Union is refusing to remove the negative information despite positive payments for the remainder 5 years of the loan. I have included a copy of XXXX  and trans Union report reflecting 30 days late payment XX/XX/XXXX.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (SC)

I submitted a dispute w chime, over XXXX transactions. Theyve taken over 20 business days and tell me that Im not eligible for a provisional credit even though the cfpb 1005.11 ( c ) ( 2 ) ( I )
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Car dealership was present with credit approval from XXXX XXXX and what going only go with them and ran my credit without my consent with other options. I told them that and showed them that i was approved already with XXXX XXXX for a certain amount. 
They ran my credit through XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-05
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. (NC)

On XX/XX/2022 I sent a letters to XXXX, TransUnion and XXXX disputing an inaccurate late payment that was on my credit report. I asked that the erroneous item be verified and validated. I was informed by each Credit Reporting Agency that they had completed their investigations and none of them were able to verify the information, however the 30 Day late is still showing on all of my credit reports even though they were unable to verify its accuracy.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-06-27
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. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2024-10-21
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Alperstein and Associates, LLC (WA)

I would like to report this company Alperstein & Associates as a Debt Settlement scam that has PAID THEMSELVES, INSTEAD OF MY CREDITORS. 
They have done this by making a {$5.00} - {$25.00} payment to a company to settle, which according to their contract after the first payment to creditor, allows them to start collecting their 29 % fee ( on the GROSS owed ). Though they are supposed to be paying the creditor proportionately to themselves, they have taken all of their money upfront and have told me I don't have enough money in my account to pay settlements ( because they paid themselves first ), and that now they have to make a new settlement ( and charge a new fee for even more money paid to them ). 

To date, Alperstein & Associates has taken {$680000.00} of my money. 
They have PAID THEMSELVES {$5700.00} plus {$200.00} in other fees My creditors have been paid only {$110.00}. ( Statement and documented proof available ) Future scheduled payments through XX/XX/XXXX, show Alperstein PAYING THEMSELVES {$7900.00}, and my creditors only {$570.00}. ( Statement and documented proof available ) A settlement for {$1500.00} to one of my creditors was cancelled saying " I didn't have enough money in my account '' ( because they PAID THEMSELVES FIRST ). 

XXXX XXXX, I wrote numerous emails & called their customer service center, the local Alperstein Attorney, and the Paralegal, inquiring why they were taking so much money out of my global account & labeled with names I did not know. Future payments showed no creditor names associated with the withdrawals, just " Legal Fees ''. I got pushed back to customer service with long hold times ( up to 45 min ), who spoke broken XXXX, could not understand questions I asked, and some even made up answers that were simply not true. 

As of XX/XX/XXXX, I still do not have answers to my inquiry and questions. The local Attorney XXXX XXXX from Alperstein & Associates handling my account, has replied he is " checking in to it '', and again, " does not have an update, and will " circle back as soon as he is able ''. 

I was told not to contact or answer the credit collection calls as it would " impede their progress. '' The only progress has been Alpersteins taking my money for themselves! 

These people are definitely scammers who claim they are part of the XXXX XXXX XXXX program, then tell you that you are qualified for a loan with a place called XXXX XXXX, then move you over to a " better '' settlement plan. It is all a scam and they have taken {$6800.00} of my money and only paid my creditors {$110.00}, and only contacting a select few.
Consumer complaint received 2022-06-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (FL)

Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains. 
It should be noted that the Company is a client of yours, owner of wallet : XXXX that utilized your services to launder the money, as it can be verified by the following transactions : XXXX. Transaction XXXX XXXX  XXXX through the wallet through the wallet XXXX XXXX. Transaction XXXX  : XXXX through the wallet XXXX XXXX. Transaction XXXX XXXX XXXX through the wallet XXXX XXXX. Transaction XXXX XXXX  XXXX through the wallet XXXX The scammers were committing financial crimes right under your nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX XXXX  wallet in the total amount of XXXX USDT and XXXXXXXX XXXX utilizing your services and under your authorization.
Consumer complaint received 2022-09-28
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. (FL)

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting. 

I am humbly requesting that XXXX XXXX XXXX with a reported balance of {$300.00} be removed from my credit report as at the time, I was a young, oblivious authorized/joint user who was added to this account. 
It appears that the primary account holder who may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit. 

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you
Consumer complaint received 2022-09-23
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. (MD)

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

XXXX XXXX  # XXXX 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 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 and I discovered that you have closed my complaints on the same day. I am resubmitting my complaint to you today to inform you that I found out that there is UNVERIFIABLE account on my personal profile, I noticed that the account XXXX XXXX XXXX Balance : {$770.00} is reporting inaccurately on my credit report. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe the credit bureaus have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2022-09-23
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed account. If they are unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX  XXXX XXXX  NA XXXX Date opened XX/XX/2021 Balance $ XXXX Late Date XXXX