davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-09
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 sent this company a letter dated XXXX XXXX, 2017, to dispute inaccurate information from my credit report. Unfortunately, based on my new credit report and their response no proper action, the investigation took place. I am writing them and another letter which is attached to this complaint. In accordance with the new law, consumer assistance program, the items listed in my dispute letter are unverifiable. There has no citation of my FULL SOCIAL nor my DATE OF BIRTH. And despite this, this company did not remove these inaccurate, invalid items ; no lawful investigation took place violating the Fair Credit Reporting Act.
Consumer complaint received 2017-11-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (WA)

This company threatened legal action. They gave me a date in which to respond to a lawsuit by however when I went to the courthouse to file a response to the lawsuit I was told I couldnt because there was nothing filed to respond to. So they falsely misrepresented that they had filed the lawsuit already. They filed after the day they told me they would so it would appear as if it was just a scare tactic to someone unfamiliar with the law. They then actually filed after the day I was informed they would, I did not file a response because I wasnt properly informed, so they Were granted an automatic judgment against me because it appeared as if I never responded or attempted to which was false. I was never informed of a court day or a trial.They were granted a levy against my bank accounts and have taken everything from me. Im going to lose my home because of this disgusting tactic! Ive also read about other dirty schemes this company has played on unsuspecting victims.
Consumer complaint received 2017-08-09
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: BBVA FINANCIAL CORPORATION (CA)

Compass bank continues to lie and slander my name and not focus on the events that lead to this complaint. In XX/XX/XXXX, I spoke to Compass Credit Card Department to indicated that I never received the card. I was then told the account was closed because the could n't properly ID me. Per the manger in the credit card department if I can go to a local branch and they can ID me and call in to verify me that they will reopen the account which took place. The XXXX CA Branch can verify that this took place. My focus is on the account # XXXX on XX/XX/XXXX reporting to XXXX XXXX that I attempted an unauthorized transaction. First I want to point out that compass just confirmed in there response that my account was opened which contradicts them saying the transaction was unauthorized. The transaction actually took place on XX/XX/XXXX and I took a convince check from my XXXX XXXX XXXX XXXX into a local branch in XXXX CA. I asked the branch what is the best possible way to handle a balance transfer. The branch told me to write out the check to myself and deposited into my checking account. Being that the check is a credit card product before it could be deposited the branch would need to call over to the credit and authorizations department before it could be deposited because the system is flagging it for approval. After waiting about 5 minutes the teller was on the phone with the department and came back with an approval and said the funds where available in my account for immediate use. With all that said compass is reporting for misuse on this account with XXXX XXXX but they already confirmed the account was opened and the transaction in question was approved in branch via credit and authorizations department. Compass keeps focusing on transactions that has nothing to do with the XX/XX/XXXX reporting. When the transaction was made on XX/XX/XXXX my credit card and checking account was opened. Compass then closed the accounts after the transactions were made which would make it an legitimate transaction not what they are reporting. Please investigate the XX/XX/XXXX transaction and correct my XXXX XXXX reporting.
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (NC)

I filed a dispute with XXXX in reference to a debt collection company called Diversified Consultants and the results of the dispute stated that the debt was verified. In the dispute letter that I sent to XXXX I speciaffically stated the following : " Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately ''. According to letter I sent and the law they are to provide me with a original contract and I have not recived it. XXXX reported that is was verified and that the company was not required to send them any documentation verifiying the debt. I then contacted Diversisfied Consultants and they said that they did not have an original contract and that they did not have to provide the contract to me or the credit bureau. According to the FCRA it is required by law by the collection agency and XXXX to provide the original signed doucuments proving that this is my debt. All I want is the proof and if they can not prove this is my debt I would like it to be deleted from my credit file immediately.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There was a computer glitch that was TransUnions problem- not mine- caused my inquires to be deleted. Transunion later on added them all back to my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I have called numerous times ( 5 times a week ) since XXXX XXXX 2017 to get the hard inquires off my credit that were added back on. These inquires add a hardship and my right were violated by Transunion. Please help stop Transunion victimizing me
Consumer complaint received 2017-12-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (TN)

Have bee trying to get refinancing to an affordable note with Wells Fargo since before my husband died in XX/XX/XXXX. I have jumped through all kind of hoops for Wells Fargo including starting a probate process that they said was required and that when I received testamentary letters, I would be able to refinance and assume the mortgage. Well, I did that ( which cost me all my savings ) and that was not enough. I then sought bankruptcy protection in XX/XX/XXXX, through this process I was able to stop having sale dates ( at least 8 sales dates and 9 separate applications between XX/XX/XXXX and XX/XX/XXXX ). While in bankruptcy ( still in bankruptcy until Wells Fargo finalizes the  refinance, net date is XX/XX/XXXX ) I was able to received another application and this time received a trial payment ( that was almost 50 % of my VA dependent compensation as opposed to 30 % ) but I have paid it and paid it on time since XX/XX/XXXX. Wells Fargo has now been requiring me to go back to the probate court and they want an order that the matter is closed but I do n't have money for a lawyer and I ca n't act pro se in the probate court although there has been no activity their since XX/XX/XXXX. 
For the last four months they have been sending me this form asking for missing documents, it list two categories with directions to produce a choice of documents listed. I have complied, choosing my husband 's death certificate as the choice for the first category and our marriage certificate for the choice in the second category. Those selections which I have repeatedly complied with obviously are not being accepted although indicated as choices on their form. They have never specifically told me a specific form to provide in their written communications or phone conversations other than suggesting that the probate should be closed and I need a lawyer for more specific explanation. There are no liens or other interest or claims for our home and in fact the only document that has been filed in our property records is the heir ship affidavit that they originally said was not sufficient and I had to get testamentary letters from probate-which turned out only to cost me all my savings. There is nothing valuable here other than my home so there is no lawyer that will touch it as there are no assets from which they can be paid. 
My issue at this point is that Wells Fargo 's representative is making an arbitrary decision for not proceeding ( my home is probably more valuable to them if they sold it ) because the form they keep sending me which I have produced appropriate documents as indicated on that form but they wo n't tell me why they are not proceeding although per their form I 've complied.
Consumer complaint received 2017-12-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Back on XX/XX/XXXX I disputed a company called XXXX XXXX which was on my Transunion credit report twice for XXXX ( totaling XXXX ). My case number with Transunion is XXXX. Once I submitted the claim it stated that I needed to mail in the information, which I did a week later. A week after that the items were removed. The first week of XXXX I checked my credit report again, and one of the XXXX XXXX came back on my report for {$150.00} and it shows as a new account. I provided proof to Transunion that this item was paid directly to XXXX XXXX in the amount of XXXX back in XXXX  to all the credit bureaus. I attempted to resubmit another dispute which the online system would not allow and to contact Transunion because I am in the middle of the mortgage process and this is causing swings in my credit score. I have not received a response from Transunion. I also contacted XXXX XXXX via email but never received a response. This was done back in XXXX as well.
Consumer complaint received 2017-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KS)

I received a demand letter for {$9100.00} due XX/XX/XXXX. However I have not received anything regarding the request for modification. I did however receive a letter with my contact phone number of XXXX which was my XXXX 's phone number who XXXX XXXX XX/XX/XXXX so the number is no longer active and I have no idea where they got the number? I have emailed the 62 page documents along with the RMA. I was told page five of the RMA was not dated but I am looking at it and it was dated XX/XX/XXXX. Please modify my mortgage!
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

Sorry, your drop downs are not exactly on point. I have a Visa card through Best Buy that is services by XXXX. I  elected electronic statements. These statements do not work with XXXX. Ive notified customer service. They just repeat instructions to me. I am trying to verify that I received a deferred interest charge and I am unable to get this question answered as well. 

They are in conflict with requirements to make the terms of my purchase clear and conspicuous.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CT)

I have sent 5 certified letters to Experian, which were accepted by them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX and XX/XX/XXXX requesting all the information in my credit file and anything in my file that was incomplete or unverified either needed to be completed, corrected or deleted. they have done none of the things as required by law under the free credit reporting act. there is an account that they are reporting as open that has been closed for over 2 years. there are multiple accounts on my report that are missing payments. I asked that these payments be verified and added or delete the file, this has also not happened through repeated inquiries.
Consumer complaint received 2017-12-27
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: Midwest Recovery Systems (DE)

MIDWST RCVRY {$500.00} XXXX XXXX XXXX XXXX XXXX They claim from about 7 years ago and just appeared on my credit report XX/XX/2017 I disputed and added a fraud alert to my XXXX  and XXXX XXXX reports and also disputed with MidWst RCVRY  who claims I need to file a police report after all these years ... this is not mine. I had roommates years ago who could have accessed my info and accounts. I want this removed ASAP as it is affecting my credit & I just had begun building it, as a single mom putting my XXXX of XXXX through college. I could lose my ability to help her. I have other debt that I have no problem paying for, but this is unfair to add an account that no police could investigate this many years later and why are they just now doing this? Fraudulent. Unfair. I want it removed.
Consumer complaint received 2017-08-10
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. (GA)

XXXX XXXX has continued on several occasions to ignore repeated written requests for proof of documentation that were sent via mail and has violated federal laws by not responding to my written requests via mail. I have reported the creditor to the Georgia State Attorneys office for violating both state and federal laws. I have notified the creditor several times that this debt is not valid and a error was made on the part of the original creditor. The original creditor removed this debt from my report due to their error and has sent me a letter in writing notifying me of the removal of the debt. XXXX XXXX has willingly reported a debt they know is not valid and has failed to contact the creditor regarding the debt. I do not owe XXXX XXXX XXXX  and XXXX refuses to remove this debt knowing it is not valid.Also, XXXX does not have the consent of XXXX XXXX XXXX to report this debt.
Consumer complaint received 2017-08-10
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. (MS)

A computer glitch in TransUnion 's system deleted my inquiries. TransUnion later added the inquiries back to my credit report illegally without giving me the proper 5 day prior notice of the inquiries being re added. I contacted TransUnion in XX/XX/XXXX regarding the issue, in good faith, asking them to remove the inquiries that were illegally re-added. I was told that the inquiries were applied to my credit report because businesses ran my social and it could not be re-removed. I know my rights were violated by TransUnion and it has caused a hardship. I would like for CFPB to help me stop TransUnion from victimizing me.
Consumer complaint received 2017-12-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (MN)

Chase Credit Card company repeatedly calls us even after we told them to stop calling and that we are working with a credit counselor to resolve this matter. 

XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX  CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX cst XXXX/XXXX/XXXX This is just an example of the harassment.
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a credit reporting company 's investigation into an existing problem XXXXXXXXXXXX Experian replied to my complaint. I need assistance to file against them. I believe they are in violation of a number of laws. Fair Credit Act, Equal Opportunity Credit. as well Law of Agency all public, companies, administrators of credit associate with their name, standard, and rating having NO OTHER SOURCE to access or review credit. 
Please help me resolve this problem. 
XX/XX/XXXX at XXXX XXXX Thank you for your response, I wrote requesting your group raise my credit score, I provided many repaid loans totaling some {$100000.00} to support my request. 
I did so for two reasons :.

1. I am in need of vehicle to drive XXXX. 
2. I need to purchase a lot to move my RV home onto. It was damaged in storm XXXX, and no parks will accept in present condition, though livable. 
I am not satisfied with your answer, and to such degree I will request further assistance from CFPB, and even file on my own if nothing resolved. I believe there are thousands if not 100 's of thousands people suffering same indignity due to your neglect. 
Additionally I find it offensive you force me to communicate via standard mail, especially in our era and age of immediate/ social media email, the new standard by any measure. 
I will argue in accordance to the Fair Credit Act, Equal Opportunity Lending that am entitled to fair and reasonable credit score, perhaps even a heightened one having paid/ satisfied some {$100000.00} and that you are obstructing it, and knowingly having provided documentation to your office. 
Your answer states " We are a consumer credit reporting agency. We receive credit information from businesses that subscribe to our services and directly from the courts. We do not add data from private parties to our files since we would be unable to verify or maintain the data to keep it current '' I believe your answer places your group in violation of a number of laws, and for an number of reasons, The first being the Law of Agency, the ruling of assumption, association, via the determination of purchase power, the assumed profile companies, administrators, public makes about your credit rating determination, and what suggest about me, though I provide evidence to contrary. 
Regards XXXX XXXX
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX Phone : XXXX, eMail : XXXXXXXXXXXX Date : XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I have approached Credit Reporting Agencies multiple times to correct the erroneously entered data such as delinquent, default, charged off, collection account etc. from my Credit file with them. Credit Reporting Agencies are refusing to remove the incorrect data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, affecting availability of credit from Financial Institutions. 

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely XXXX
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

XXXX XXXX has reported a mortgage/collection account on my credit report which is the only thing stopping me from getting a VA home loan. On XX/XX/2017, I sent XXXX XXXX a letter asking them to provide a Chain of Title proving that they even own a debt that I am liable for and have the right to report it on my credit report. They responded to my request on XX/XX/2017 and were not able to furnish a Chain of Title and therefore were not able to prove they own any debt of which I am obligated to pay. Upon the receipt of their response, I immediately sent their letter in its entirely along with my own letter to the credit agencies demanding that they remove this mortgage/collection account from my credit report. I actually sent two letters, one on XX/XX/XXXX and one on XX/XX/XXXX. In that letter I stated that due to the fact that XXXX XXXX could not establish a document that stated that they owned anything of which I was liable, that this needed to be immediately deleted from my credit report and if not it was in violation under the Fair Credit Reporting Act. I received my results from the credit agencies within the 30 days, and though they deleted the activity contained in the XXXX XXXX account, the account still remains on my report as a collection and has not been deleted, which is still the only thing preventing me from obtaining my loan.