davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-07
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: United Services Veterans Mortgage, LLC (TX)

As a mortgage holder and veteran, we receive many offers to improve our mortgage. XXXX that is especially irksome is United Services Veterans Mortgage ( NLMS XXXX ). We 've received its offers before and trash them immediately. Now I want to take action. On its envelope return address it says XXXX XXXX and its literature says XXXX XXXX. The implication is endorsed by XXXX XXXX and/or the XXXX. With its name, it gives an aura of being an official organization of the U. S. Federal government. Without due diligence, a person would be duped by this implied endorsement and fall for their product whatever the final outcome. As a military veteran, I did n't fall for it but I want action taken to prevent other verterans or active duty military members, especially new homeowners or young members, from being taken in by these dubious practices.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ava Finance, Inc (NC)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Also it is incorrectly reporting this account as well. Its reporting as Closed, paid, and open on all 3 Credit Bureaus.Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the Ava Finance account number XXXX on XXXX , XXXX on XXXX, XXXX on XXXX.Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ONLINE Information Services, Inc. (CO)

I had an account w XXXX XXXX XXXX, this was paid last year. A collector just posted this account on my credit as a new collection when it is not, dropping my credit score over XXXX points. This is the company illegally collecting a paid debt : ONLINE COLLECTIONS XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX
Consumer complaint received 2015-10-25
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (NJ)

I am a customer of the prepaid visa rush card. I believe this was fraud. I have been locked out of my account for over two weeks, I have not had acces to my funds and I have bills to pay as well as a child to feed. Whenever I contact customer service I can not get through and when I do the rep hangs up on me. My balance for my card is very inaccurate. I had a balance of XXXX $ which is for my car payment and now the money is gone. I have no idea where it is and I can not access my money at an atm. If I could please get some help before I am without lights and a car I would really appreciate it.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 XXXX XXXX XXXX XXXX. 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 XXXX XXXX XXXX XXXX  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.
Consumer complaint received 2015-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mid-America Accounts Control Bureau, Inc. (VA)

I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your company has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save XXXX us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in XXXX, Virginia has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the " statute of limitations '' has expired. 
This complaint is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me by phone on any number, regarding this or any other matter. You may contact me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws. 
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to {$1000.00}. 

Now remove these erroneous items from my credit reports immediately.
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

Experian, credit report, refuses to send me my disputed credit report. Experian is giving me a very hart time, since XXXX 2015, that I am disputing XXXX items that are not mine and dont belong to my self. Experian its not complying with State and federal Laws and Experian is braking State and Federal Laws. After 30 to 45 days by Federal Law Experian must mandatory send me my dispute on my credit Report. Until present, and after 45 Days Experian did not send me my results of my dispute. I am requesting to the CFPB, to investigate Experian and to request from experian my dispute, that experian did not send me after 45 days time limit, my credit report. Its a Fedral Law, and experian Must comply with it..
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (FL)

Diversified Consultants, Inc. is repeatedly contacting me on my cell phone as well as my daughter 's cell phone to attempt to collect a debt from XXXX XXXX XXXX. They have contacted me XXXX times since XXXX XXXX, 2015, so far from XXXX different telephone numbers ; XXXX calls in the last week alone from the following phone numbers : XXXX ( XXXX times ), XXXX ( XXXX times ) and XXXX ( XXXX time ). They called me XXXX times in XXXX day from the first XXXX phone numbers. I have explained that I began making my payments and will continue to do so. They continue to call, one representative trying to persuade me to make a larger payment. I am XXXX, on a fixed income and can make small payments on this debt. I tried to get a resolution with XXXX XXXX XXXX ( over the phone and by email ) before it went to collections but I did not receive a response from them. These harassing phone calls are XXXX me, causing me to have XXXX XXXX in the past week. I would like them to stop calling me and simply bill me and I will continue to make the payments monthly.
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IA)

I have a judgment in XXXX county for XXXX XXXX XXXX that says it was reported in XX/XX/2014 and paid in XX/XX/2014. It 's being reported on my Experian and XXXX report. This item was already paid and part of medical bills from a accident that was n't my fault. They got paid but for some reason its on my credit report as a judgement. It should n't beven been on my credit report. It must be miscommunication. The paid amount is {$710.00} and the judgement is satisfied but should of nevet been a judgement.
Consumer complaint received 2023-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (TX)

Company is receiver of scammed funds, and refuses to process complaint with evidence provided. 
XX/XX/2022 {$10000.00} USD converted into .XXXX XXXX Attempted to contact company and provide proof of transactions through XXXX audit but company would not acknowledge information provided. 
See attached complaint document in pdf format
Consumer complaint received 2024-10-22
Product: Credit reporting 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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2016-01-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Receivables Management Partners, LLC (FL)

Was discharged through my bankruptcy, though coerced, by collection agency, for less than {$300.00}, after bankruptcy! Collection agency complained of the small, regular payments I was making, wanted more, or paid in full, till I realized wrong.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Hi Equifax put this Fraud account as a public record on my credit report ..... I went to the Court house and had them to run it. I do not have a public record with this company. and never went to court or even was summoned to go to court. The courthouse told me to contact Equifax ASAP ... ... " The company is XXXX XXXX " NO PUBLIC RECORED on my File or under my name.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

-In accordance with the fair credict reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidenciallity under 15 USC -1681. The accounts bellow have 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.

-15 USC 1681C ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containning 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 USC 1681s-2 ( A ) ( a ) 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, XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2015-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (MI)

We refinanced our mortgage with Quicken Loans in XXXX XXXX. We had the money to pay it down under the 80 % required to avoid a PMI payment, but the money was not liquid and would have been difficult to get immediately. The broker informed us that the PMI payment would drop off as soon as our LTV was under 80 % ( or possibly 78 % ). We then proceeded to pay down the mortgage as we said we would, and it was under 80 % right around XXXX of XXXX. 

We notified Quicken Loans that the loan was under 78 % and they told us that they could not drop the PMI without another appraisal ... ... just 3 months after the loan was refinanced. Without this appraisal they now intend to charge us PMI insurance until XXXX, when the PMI would have dropped off naturally. 

This is a 15 year fixed mortgage and the LTV is currently around 75 % based on the original appraisal. Nothing has happened that could possibly decrease the value of the house between the refinance date and when the principal was under 78 % ( or the present ). The real estate in my area has also had no major fluctuation in that time. 

I believe the mortgage broker was deceptive and should have informed us that this could happen. We were very clear about our plans to pay it down and our ability to pay and our plan to pay it off within months. We could have sped up the pre-payments to be under whatever deadline they have assessed here. If we would have been informed then we could have also paid the money up front and avoided this all together. We had ample savings at the time the refinancing was done to pay it down at the time of refinancing, and can prove this. 

I also believe the servicing department is being oppressive by requiring an appraisal just months after the refinancing. I could pay the appraisal fee and let it go, but I 'd rather make a point to file a complaint in hopes that other people do n't get cheated like this.
Consumer complaint received 2023-02-22
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance XXXX {$190.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX EQUIFAX MORTGAGE SERVICE Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXXXXXX Balance : {$810.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-02-22
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. (VA)

I have sent 6 to 8 certified letters to Experian including my copies of utilities bill, drivers lixense, and social security card to prove my name as I name. 


I filed multiple complaints with The CFPB stating Experian requires your social security number Prior to letting processing you through the fraud or dispute person. Then says unavailable everytime. 
Then in response Experian says dispute closed, and their form response says dispute not available online I must call to speak to someone and or send in another letter with identifying proof which I have already done 8 or 9 times. 
They keep me in a round circle, my report unavaiable onlune. Mu accoint blocked They do not permit me the upload internet process, a free online report, or free access to dispute results. When I request validated proof of results it goes unanswered
Consumer complaint received 2023-02-22
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. (NC)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$4800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX  XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2015-11-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion has ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly delete all information which can not be verified. ''
Consumer complaint received 2018-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I spent about {$100.00} on a credit card I no longer knew I had, but was saved on a website. The credit card company never sent me a bill. By the time I found about it and figured out how to pay the bill six months later, they said I owed them about {$300.00} in late fees.