davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I have been a depositor at Chase and its predecessors for nearly 42 years. Never had an issue on my end ( NG Checks, Claims etc ). On XX/XX/22 a transfer in the amount of {$4800.00} was debited from my account. The account a transfer to a person I don't know and never heard of. On XX/XX/22, I went into my branch and asked a bank officer what I should do. He recommended that I close the account and indicated that the account was probably hacked. The bank was most cooperative in opening a new account and filing a complaint with Chase. The balance from the closed account was transferred to the new account along with re-imbursement of the {$4.00}, XXXX. On XX/XX/22, the new account was debited {$4800.00} and was told in one of the many ensuing telephone calls that the claim was denied. After many calls and visits to the branch, the reason given was that they investigated all my transactions, all devices connected to this account and could not find anything different or out of whack. The investigation apparently indicated that they had no indication from any of the normal operating protocols to my account and therefore the transfer to this un-known to me recipient was authorized. I have never received communication in writing from them of where they transferred this money nor was the transfer investigated. Today, I closed my savings account and two brokerage accounts with Chase. I can not continue screaming at representatives and continue to receive robotic answers as if it were a script. How can they blame the victim here?
Consumer complaint received 2022-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CT)

Letter from MRS BPO LLC claiming owe {$530.00} from an account with XXXX XXXX. Talked to banker at XXXX XXXX  in XXXX XXXX, XXXX  who looked up alleged account number XXXX and XXXX account number and indicated there never was an account with XXXX XXXX XXXX  and that the letter is clearly fraud.
Consumer complaint received 2022-09-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (GA)

On XX/XX/2022, I received a voicemail from a researcher and investigator from Amerihome Mortgage, in reference to finalizing my forbearance. The message is from XXXX XXXX and he states that my forbearance was being finalized and they were working on getting the documents mailed for me to sign them. Since then, I have not received any documents in the mail and each time that I contacted Amerihome in reference to this issue, they have requested that I submit a new application and supporting documents. I have since submitted 2 new applications and supporting documents. Both applications have been rejected due to additional documentation needed. I don't understand how I was approved for forbearance in XXXX and I never received the paperwork. I feel that there is a game being played and unfortunately, I have not been able to receive a forbearance and now I am in jeopardy of of losing my home. 

In addition, Amerihome has sent someone to my home on XX/XX/2022 to inspect my home. I don't understand why they would send someone to inspect my home, when they are fully aware that I am occupying the home and they know that I plan on staying in my home. 

Amerihome is clearly overstepping their boundaries and violating the mortgage laws. I refuse to be taken advantage of and I request an investigation. 

Please look into this matter as soon as possible. Thank you in advance. 

XXXX XXXX
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent you a complaint previously to inform you that I am a victim of identity theft. I have also sent multiple letters to the credit bureaus regarding this and I have not received any response from them. I have recently checked my credit report and I noticed that the item that I have previously disputed is still reporting on my credit report. The negative items listed below do not belong to me. I am in need of your help in removal of these items from reporting on my file. I will include here the copy of my identity theft report together with the letters that I have sent to the credit bureaus and some documents to help in the deletion of these negative items found on my report. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on XX/XX/2022 I extended my credit for an auto loan from bank of America on an application submitted by XXXX XXXX XXXX XXXX XXXX FL and I was denied. for weeks I have been in a depressed and very sad mind state in result of this denial to my family. we have no transportation to our children school or children school functions. i often feel embarrassed to be in this situation as a father. I recently received the denial letter in the mail from the bank, they informed me they denied me because of these principle things serious delinquency ; length of established accounts ; charge offs ; credit score ; This led me to doing some personal research on consumers laws, I found out bank of America is in violation of my right to extend credit. According to consumer law, 15usc1691 ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter.15 usc D ) ( 6 ) adverse action means a denial or revocation of credit, or a refusal to grant credit in substantially the amount. Also according to 15 usc 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is me XXXX XXXX in this instance. Bank of American is in violation with 15 usc 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I received no benefit from this transaction in which bank of America has accessed my credit when i provided my information in my application for the loan. furthermore Bank of America on the back of the denial letter acknowledge the equal credit opportunity act which prohibits creditors from discriminating because the applicant has in good faith exercised my right under the consumer credit protection act. which is included in the attachments.
Consumer complaint received 2022-09-29
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I called experian credit solutions for the 3rd time that day to ask them again to remove the 8 hard inquires from my credit report after already speaking with them earlier about the same subject of going in to apply for a new home loan and the loan officer informing me about the inquiries being over the top. As I explained to the loan officer like I did experian agent when I went into buy my car last year in XX/XX/XXXX I had already had a pre-approval letter for {$22000.00} and a co signer with me and I had no idea the used car dealer ran credit checks on my report like that otherwise I would have said no but I was nevet asked or nor did I give my consent to access my credit report because I already had my approval letter i had obtained on the XXXX of XX/XX/XXXX from XXXX XXXX  plus my mother as a cosigner. The loan officer said that is a violation and fraud to do that without your explicit consent and I needed to call experian and have them removed because its a violation of the fair credit reporting act to " shop out '' ( thier words ) your credit information like that especially numerous times impacting your credit score and overall ability to obtain proper financial backing to support your family. When i called experian they told me that I needed to obtain a letter of declaration from each place that violated my rights and send it to experian and then after review they would then take the proper actions. I called 3 of the 8 places that were reported to have made a hard inquiry on my credit report on XXXX XXXX. Every one of them first didnt know what a letter of declination was and secondly couldnt write or send me any kind of verification because I am not in any of thier records or have an account with them and have never been in thier syestems by checking with my full name and the last 4 of my social security number they could not find anything with my name or date of birth. So regrettably thier supervisor was informing them that they couldnt send me any letter because they had no records showing that I had ever been involved with thier company. At that point I called back to esperian and was given to the same man who had given me the information to get the letters in the first place and explained to him exactly what these companies had told me and I was sure the rest of them would say the same and was told they ( esperian ) couldnt remove the inquires because it was the credit company who were reporting to esperian to be placed on my file. When I told him they do not have any records of me or my social in thier files or databases to do that he again informed me that he could do nothing I had to speak with the company 's who were making the reports to esperian and there was nothing further he could do it was out of his hands.
Consumer complaint received 2022-09-29
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: CCS Financial Services, Inc. (MD)

Hi, I'm XXXX XXXX, I need your help to reachout to this company. I tried contacting them to verify howcome that someone opened up an account under my name. This is a very serious matter and I feel bad that it is now affecting my credit profile. I do not authorize anyone to use my name, date or birth or any information as it is also against Data Privacy. They need to find out who opened the account under my name and just transfer those information to that person instead. Please help me get this resolved.
Consumer complaint received 2022-09-29
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. (CA)

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX BANK XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX XXXX XXXX. 
I am submitting this complaint on my own behalf. 
I received documentation from Bank Of America that I owe them a debt in the amount {$1200.00} Account ending in XXXX I requested Bank Of America to Validate alleged Debt pursuant of 15 U.S.C 1692g I requested the following : The identity of the original creditor. 
The amount of the alleged debt. 
The name and address of the original creditor The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural person ), and Bank of America, that prove I agreed to pay the alleged amount. 
A XXXX accounting documentation ( both on and off ledger ) showing the exact asset used to collateralize this debt. 


Bank of America received my request for validation of the alleged debt on the date of XX/XX/2022 via certified mail Please see attached certified mail return receipt Bank of America responded XX/XX/2022, but failed provide adequate proof or validation of the alleged debt. ( As seen in there response uploaded as an attachment to this complaint XXXX Bank of America has violated my federally protected consumer rights by failing to validate the alleged debt upon request from me, the consumer. 

This account needs to be deleted from the records of Bank Of America and any /all affiliated companies records ; needs to be removed from all major credit reporting agencies. ( XXXX, XXXX, XXXX )
Consumer complaint received 2022-09-29
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. (MS)

I have fraudulent inquiries on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-09-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sonnek & Goldblatt, Ltd. (KY)

I sent out several affidavits to XXXX XXXX XXXX and Sonnek & Goldblatt. I also sent a cease and desist telling them cease all forms of communication and they still have yet to do that. They have also failed to lawfully validate this alleged debt and they are refusing to pay the attached invoice as well. However, they are now garnishing my wages and I do not consent to these proceedings. I'm sure a court hearing with all the facts and exhibits brought forth will show they are in default by failing to properly respond to my affidavit ( s ) and violating my rights.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have put claims in with all credit bureaus. 
A few have fixed some false information. Other do not have proof or legal right to report the way it is being reported. These companies are not a real credit bureaus. 
They all need to be held accountable for reporting my scores incorrectly. They will not give me the information or transmissions to the companys they are reporting for. By law they have to or fix my credit to its proper and higher score. Lastly, they all are showing different scores and different reporting of information which is also not lawful. I have submitted multiple claims to have resolved and nothing is being done.
Consumer complaint received 2022-09-29
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. (FL)

My name is XXXX XXXX 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 2022-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (CA)

I purchased a car XX/XX/2021, from Kia Motors XXXX, CA. But according to 15 U.S. Code 1605 - Determination of finance charge this code states that there should not be a cash down payment for consumer credit transaction. Kia reps continuously call and harass me on a daily basis. I already submitted {$4500.00} as a down payment ; I was not aware till further research that a down payment is not necessary upon a car purchase agreement. As a result, I would like to be refunded the initial {$4500.00} immediately.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.