davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to Transunion dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : ( XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX ) XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXX  Acct # XXXX ( XXXX ) XXXX XXXX Acct # XXXX ( XXXX ) XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX Acct # XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX ( XXXX ) XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXXx 15 USC 1681 Section 602 states that I have the right to privacy .

15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act U S DEPT of ED/XXXX Account XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CountryPlace Acceptance Corporation (TX)

Haha, Corrections from my response Looking at the XXXX XXXX  you gave me from XXXX & XXXX that you said I had a " gift deposit '' on the XXXX XXXX in the amount of {$2700.00}. So if you add {$590.00} ( what you said I had to pay to close ) the total amount is {$3300.00}. If you take the {$3300.00} that you said " paid outside of closing deposits on the XXXX XXXX XXXX the {$3300.00} that's only a {$34.00} difference which is pretty close! You can't change my bank statements. 

Now with that and the fact that there are little differences such as the Owners Title insurance on the Disbursement sheet from the title company stating it was only {$100.00} but on the XXXX it's listed as {$1500.00} XXXX bet I can come up with exactly how much " seller credits '' I actually got. Thanks for pointing out that I have XXXX interest rate lock agreements and your XXXX  XXXX of ANTI-COERCION STATEMENT is XXXX. YOu can see where XXXX XXXX said he would get me " insurance quotes '' my actual insurance agent fighting with XXXX Mortgage about the XXXX Valuation and the fact that your XXXX insurance wouldn't even cover the costs of XXXX but you made me get it in fact Independence Title Which XXXX Owns was already sending me receipted sales contracts and I had no XXXX choice. 

You guys are auctioning off XXXX XXXX house Monday and I know for a fact that you did the same XXXX to them and probably a lot of people. I have her XXXX XXXX  that have the repeated pattern of offense XXXX from XXXX and then again from XXXX XXXX on the closing XXXX with a larger XXXX amount. Way to go you guys! 

If anyone reads these do not buy a house ever from any XXXX XXXX they are the worst and they literally punish you for complaining and they have absolutely no intentions of correcting any mistake! They have an extremely well-planned of attack too that was well thought of with a lot of practice because clearly everything they did to my family they were just way too good at.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION (NM)

On XXXX XXXX, XXXX received notification from XXXX XXXX that an amount of XXXX XXXX Direct Debit failed, insufficient funds. The checking account had XXXX XXXX  balance. I called customer service and both the service rep and supervisor said that the XXXXXXXX XXXX ( drawn from another XXXX XXXX, no less ) deposited on XXXX XXXX, XXXX did not count as part of the balance until XXXX XXXX, XXXX. Based on the balance on the activity journal, there was no indication that ay funds were unavailable to use and in fact withdrawals where being debited against the XXXX XXXX running balance in the account.
Consumer complaint received 2023-01-04
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)

It has been a battle going through this and right now, I am submitting this CFPB Complaint requesting for you to delete the following fraudulent information reporting on 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 nor accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX, DE XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXXXXXX Balance - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX. I have read enough to understand my rights which is protected under the Fair Credit Reporting act section 605. Under the same Federal law, you must remove the disputed accounts and information of from my Credit File as soon as possible.
Consumer complaint received 2017-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (OK)

Fay Services purchase my  home loan from XXXX XXXX.They have not send me statement in two months.  They stated it was problem with their systemThe main problem is they are holding my money until they get the full monthly payment.They are changing my loan agreement.    Without written permission.  They knew how my money was applied before they purchase.  I made a payment on the XX/XX/XXXX and XX/XX/XXXX and they held my money until XX/XX/XXXX.  They are probably get some interest from some bank for that period. .  They are charging me money on interest for they are not applied my money when it come in.I have statement from the for several years,   showing when I made  half payment it applied,  They can not change my contact without my consent.    They are just making more money for them self.   When I called them stated,  they have the right to hold my money,  where does anybody have the right to hold money  when been send.  I not know of any company banks or anybody else does this.  They should have their license taken away from them
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: VERITAS FUNDING, LLC (UT)

On XX/XX/XXXX I received a yellow card in the mail telling me to call an XXXX XXXX number immediately about a closing on a mortgage with Veritas Funding. I got the mortgage in XXXX of 2015 and it was sold to XXXX the same year. It has also been sold by XXXX to XXXX mortgage. When I called the XXXX number it had me enter a mortgage id number and the dropped my call. As a result, I called Veritas directly and was told that is looked like fraud. They had me scan the card I received and reported it through their company. I have not noticed any fraudulent charges on my credit cards and have a credit freeze on my credit bureau accounts. Veritas also verified that the XXXX number on the card is not their XXXX number. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2023-01-04
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. (GA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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
Consumer complaint received 2017-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Upon graduating from XXXX XXXX School in XX/XX/XXXX, I was repeatedly harassed by Sallie Mae ( now Navient ) regarding repaying my loans. At the time I was still trying to study for and pass the California XXXX XXXX and was unable to find a job. 

On XX/XX/XXXX they Capitalized Interest in the amount of {$5200.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$390.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$100.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$38.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$37000.00}. 

During the times listed above, I was actively seeking employment as an attorney and had no income. Sallie Mae/Navient placed me into forbearance and harassed me with telephone calls regarding repaying my loan. I was scared, intimidated, and discouraged. 

I had no idea that income-based repayment plans were available. Had I known, I would have immediately entered one upon graduating. But that was n't the case. 

Luckily, I heard about income-based repayment plans on my own and hired an attorney to help me navigate the system and enroll in one. This was in the late Summer/Fall of XX/XX/XXXX. I had gotten a job in the meantime as well. 

Furthermore, on XX/XX/XXXX they Capitalized Interest in the amount of {$25000.00}. I had already submitted my IBR renewal and they confirmed they received it and it would be processed on time. 

Sallie Mae/Navient used a preposterous amount of phone calls to continually pressure me into repaying my loan without an income, placed me into forbearance without giving me the option of joining an income-based repayment plan, and capitalized interest on my loan several times for no reason. 

My XXXX school ( XXXX XXXX School ) will be closing soon and they are just as much to blame as Sallie Mae/Navient for the nearly {$300000.00} student debt I am in. XXXX XXXX School lied to me about their bar passage rates ( I did not pass the first time and had to re-take the XXXX XXXX 2 days before my wedding ), job placement rates ( it took me 2 years after graduating / 1 year after passing the XXXX XXXX to secure employment as an attorney ), and they lied about average starting salaries for XXXX XXXX School alumni ( they claimed a number near/around $ 70,000- {$80000.00} per year, my first job I was offered {$58000.00} per year ). 

It is no surprise that XXXX XXXX School is now closing down due to poor student performance. Their entire institution has done nothing but lied to me about my prospects as an attorney - FOOLING ME into taking a 6-figure student loan to pay for their OVER-PRICED tuition.
Consumer complaint received 2023-01-04
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. (NJ)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-01-04
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2023-01-04
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX , NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XX/XX/2022.
Consumer complaint received 2017-09-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Go Capital Holdings, LLC (AZ)

I wanted to trade my car in with XXXX. They gave me an offer, but later called me to inform me that they did not have a warehouse in XXXX yet, and I would have to trade it with someone else. They assured me ( on the phone ) that I could refinance my loan with their loan servicer after I put down the large payment from my trade-in and make a few payments. I agreed, took out a loan with their servicer ( Go Financial ), bought a car with them, and sold my car elsewhere.
Months later, I asked the loan servicer how I could refinance, and they told me they DO NOT offer refinancing. Now I am stuck with a large payment each month since I could only put {$500.00} down towards the loan since I could n't trade my car with XXXX and had to wait to have my XXXX car delivered before I sold my old car so I would n't have to go without a car. 

Had I known I would be stuck with this large payment each month, I would not have purchased a car from XXXX.
Consumer complaint received 2017-09-28
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. (TX)

In the years XXXX there were four cases in which I attempted to file for bankruptcy. The cases were all dismissed. I was having trouble with my husband and property we had together in which it financially draining to me. During that time we attempted to file, but never had the proper paperwork to get it started. It never went to court, a case was never filed. Nothing. Since XXXX I have attempted to write Equifax and have them investigate and have this deleted off my records. After reading the FCRA I found that they were in violation, because they were reporting something inaccurately. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they had no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they were obligated to delete this information from my credit report and send me an updated copy when this action is completed. 

I wrote them and made them aware of this information and they blatantly ignored my request. I even provided them documentation that the bankruptcies were dismissed. Again, nothing. They were kind enough to send me a new copy of my report that stated that they would be keeping the bankruptcies on my report. 

I am filing a complaint because they are going against my rights as a consumer.
Consumer complaint received 2023-01-04
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. (SC)

I want to submit a complaint about my personal credit report information that is questionable. I was never late on these accounts. It has been deferred because I'm still in school. Also, how can it be 90 days late without first posting 30 or 60 days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record, etc. 
DEPT OF EDXXXX XXXX Balance : {$3100.00} DEPT OF ED/XXXX  XXXX Balance : {$1600.00}
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX and XXXX accounts are all fraudulent and beed to be deleted I have contacted these companies and no MAN or WOMAN has come forth and validated a debt. 

15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 16 Section 604 2. Consumer reporting agencies can not furnish an account without my written instructions. 

These are clear violations of rights. I do not do business with these corporations and no MAN or WOMAN has said a debt was due