davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CHERRY CREEK MORTGAGE COMPANY INC. (CO)

My wife and I began our relationship with XXXX XXXX XX/XX/2015. His company is : Cherry Creek Mortgage , Inc. 
XXXX XXXX XXXX XXXX, # XXXX XXXX, CO XXXX XXXX # XXXXOur purpose in contacting XXXX XXXX was for the purpose of refinancing our XXXX mortgage. XXXX XXXX also found a financial institution to refinance our XXXX mortgage. Things seemed to be progressing smoothly. XXXX XXXX advised us verbally not to pay our XX/XX/XXXX mortgages as we would be closing on or about XXXX/XXXX/15. As you can see by the emails I have attached to this complaint, XXXX XXXX continued to advise us not to pay XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX mortgages. And then, ultimately we would have to pay those months causing us to be late. On XXXX XXXX, my wife sent XXXX XXXX an email expressing our frustration that he does not return our phone messages and we have no idea why these refi 's have not taken place yet. My wife left XXXX voice messages on XXXX XXXX 's voice mail on Tuesday XXXX XXXX and send him the final email attached. We never received a response. My wife and I are now faced with losing our home because we now have " late '' payments on our mortgages and are not able to re-fi with another institution. XXXX XXXX is incredibly unprofessional. He does not respond to emails nor does he return phone calls. It should not take 6-7 months to do a re-fi.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified, Tell me how is that possible when you the Bureaus have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. I attached a full billing statement and proof of ID to the bureaus to show that it is actually me and not a credit repair company and still get no response!.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/year>, my company 's business account XXXX XXXX XXXX XXXX was restricted due to a deposit requiring verification. Prior to restriction my account received weekly payouts from XXXX XXXX XXXX  the processing bank for my company. With over XXXX phone call attempts to resolve the verification issue and providing XXXX ( XXXX ) direct lines of contact for XXXX XXXX XXXX given direct to Chase Executive Office Rep XXXX there has not been a attempt to verify the transaction. It is now XX/XX/year> I have been without the funds from the business services my company provides. This situation has caused mental, financial, family, educational damages to my future. The account has not been closed as of today.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

Equifax was the victim of a data breach on XX/XX/XXXX. On XX/XX/XXXX, it was reported to the general public. Equifax reported that my information, including my Social Security number, birth date, prior addresses and drivers license number, was likely stolen on their website. They are obligated to protect my information from improper use and should not be divulging my information without consent. I feel that Equifax has used my report and personal information improperly.
Consumer complaint received 2023-05-25
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-23
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. (NM)

I have sent in a request to Equifax and XXXX to update my address, as I had to recently move. I have done this for XXXX months, with no change or acknowledgement from Equifax or XXXX. I have tried calling the credit bureaus and have been told that they can't authenticate me because my driver 's license address does not match the address they have on file for me. I updated my driver 's license so it shows my current address, not my old address, which I am trying to update. 

I just want my address updated. I have sent the documents Equifax and XXXX requires for XXXX straight months. 

Please help.
Consumer complaint received 2023-05-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I believe Credit Acceptance Corporation ( CAC ) has charged me a higher interest rate than agreed in our contract. I purchased a vehicle in XX/XX/XXXX. The contract states a 22.99 % interest rate, when I did the math manually it turns out I am being charged about 31.29 %. My vehicle was repossessed in XX/XX/XXXX and even afterward, I am being harrassed to settle for the remaining balance in my account. When I first bought the vehicle, I was sold a lemon and the warranty sold to me with CAC did not cover everything. I've lost my only form of transportation, lost my job due to having no car, being thousands of dollars in debt, and my credit score has fallen.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under I5 USC 1681. 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 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 reposting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I just really want to know why I'm almost XXXX and I have no credit history and can't get a credit card or a loan because of it and what should I do or can I do about that please and thank you.
Consumer complaint received 2023-05-25
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Opened an account with an associate in the branch of Bank of America, everything was online. The next day account was locked and when I called customer service, I was told that I needed to verify my identity in the bank. I went into the bank and was told that there are glitches with the online opening of an account so the associate reopened an account for me. A few days later I deposited my paycheck from work and the teller said it would be in my account on XX/XX/XXXX, it was in the account on XX/XX/XXXX. On XX/XX/XXXX I checked my account online and it said my funds were on hold. I immediately called the customer service number and they stated I needed to go into the bank again to verify my identity yet again. I went to the Bank of America location and the associate called the Risk Management Dept and they were not much help but stated my funds would be released on XX/XX/XXXX. She gave me a number to call to try to get this expedited. I called the number and was told they could not verify my identity but would not tell me why. I called the bank manager at Bank of America to try to fix this situation because I needed my money for living expenses. She stated I could file a hardship and they would possibly release my money sooner, so I called the number she gave me and the supervisor stated that my account was being closed on XX/XX/XXXX and they would send me a cashier 's check with my money at that time. When I asked why they are not able to verify my identity, no explanation was given. I filed the hardship and contacted the bank manager again to try to help me with this situation. My money was finally given to me on XX/XX/XXXX, but this was very scary and I'm afraid to open another account with anybody at this time. I still want to know why they were not able to verify my identity and why they held my money for over a week and a half. This situation has put me very behind on my bills as I live paycheck to paycheck.
Consumer complaint received 2023-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX  Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages.
Consumer complaint received 2017-12-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (SC)

This loan was paid off with insurance and I have requested a paid out letter on the account 3 times. The representatives that handle the account when you call in are very rude and unhelpful. I requested another paid out statement on XXXX17 and again they are stating that they are mailing the letter out. I need to have a paid out letter to be able to prove that this account is paid out.
Consumer complaint received 2023-05-25
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. (PA)

My name is 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 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (RI)

I was charged on XX/XX/XXXX  for a purchase that I did not make at XXXX in XXXX, Connecticut. I called the credit card company to file a dispute, they sent me a letter asking me to write a letter and send proof to them that I did not make this charge. I was dealing with Comenity Bank which handles XXXX XXXX. They never responded to me after I sent the letter and proof. I called them and was told by customer service that my letter was received on XX/XX/. I again waited for a response, I never got a response. I called again on XX/XX/XXXX  and again the dispute was not resolved. I called again on XX/XX/XXXX  and I was told that the case was closed. I have never received any response from Comenity Bank. I provided them with proof from the manager at XXXX XXXX that it was not me who made that charge.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. 
Account Name : XXXX XXXX Late payment reported on ( ). Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. 
Please remove the late payments that were posted without my consent to opt out of having them report to a third party. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help with this matter,
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (LA)

I am contacting you to request the deletion and removal of the accounts and information listed below from my consumer report. It is imperative that these entries are not reported on my consumer report, as their inclusion violates the FDCPA and FCRA. I kindly ask for their immediate deletion to rectify this violation of multiple laws. Please remove these accounts and information promptly.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 inquiries. 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 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 2023-05-25
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 inquiries. 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 2023-05-25
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. (MD)

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.