davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 under the following circumstances and no other : ( 2 ) 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 listed IMMEDIATELY!
Consumer complaint received 2023-06-17
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. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 under the following circumstances and no other : ( 2 ) 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 listed IMMEDIATELY!
Consumer complaint received 2023-06-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (OH)

Rocket Mortgage and XXXX company underwriters failed to disclose important information before I signed application for a home that accepted my offer, paid for appraisal and placed earnest money deposit. The Lender gave me an approval letter and requested I pay for appraisal and earnest money deposit. After my application was signed and after I paid for appraisal and deposited {$1000.00} in earnest money to the XXXX XXXX XXXX XXXX  was when lender said they could not verify my income. They said my large cash deposit could not be verified because it has not been 60 days since deposit was made. I then replied " why didn't you informed me about this earlier and not waste my time. '' They then replied that I can have some one gift me deposit money. I said " that would be a lie. '' They ask me to lie anyways. The lender said they would verify donor 's bank statement and after verification I should give the donor the money so that they can make a cashier check, where it appears the donor is giving me the money. Once house is close I give the money back to donor. I replied, " I will not lie about a fake gift ''. 
Rocket and FHA discriminated because I am XXXX and my Husband is XXXX and the Sellers have XXXX last names. Lenders received my bank statement twice and never told me that large cash deposit have 60 day policy. Office lender said, " I don't know how my underwriter missed this important information when you first submitted loan application ''. 
I feel the company pretends to give services to minorities to meet compliance regulations but do not intend on giving the minorities an opportunity to buy or sell property. This seems to be the case with me and seller two minority groups trying to buy and sell. Rocket Mortgage and FHA meet quotas and legal standards by offering services to minority groups legally but purposefully red line the groups in a very subtle manner because there end goal is to red line in a technically legal manner. Rocket Mortgage and FHA purposefully discriminated against me and seller by not disclosing proper closing procedures before closing process started instead of disclosing all information prior to closing process began.
Consumer complaint received 2023-06-15
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: OPORTUN FINANCIAL CORPORATION (TX)

Oportun published my account to the credit bureaus without my written consent. This was back in XXXX of 2022. In accordance with the Fair Credit Reporting act Oportun # 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. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I previously had opened US Bank account with US bank branch in XXXX XXXX, CA sometime in early XXXX. My checking account with US BANK was under investigation sometime in XXXX of XXXX. My checking account was then closed approximately one of the first days of XX/XX/XXXX. It had a positive balance of {$2500.00}. I am still waiting on getting those funds returned to me as of today, XX/XX/XXXX. Frequent communication with the US bank branch at XXXX XXXX ( on XXXX XXXX XXXX, XXXX XXXX, XXXX ) over the past 11 months has gotten nothing more then telling me to wait. The branch manager has even told me that the back office, which is supposedly where my funds are still being held is telling her not to release my money to me yet she is trying, at risk of losing her job, to try and get me my funds back. It is such a lie and is such an insulting thing to say. I feel like they are playing with me and my money. I don't know if she finds this whole situation amusing but to me it is everything but and her lack of professionalism is very disappointing, to say the least. All she keeps telling me is that she will get in touch with me once she has a check for me. Yet she has been saying the same old song for almost a year now. I am sick and tired of being jerked around. XXXX is enough. I want my funds returned to me, in full, no later then by the end of next week. Thank you for taking my complaint.
Consumer complaint received 2023-06-15
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)

HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-10-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A. (VA)

I was stunned once I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment. 

I don't have any record of being 30 days past due XX/XX/XXXX and 30 days past due XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2023-06-17
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. (VA)

On XX/XX/XXXX, I filed a complaint on Transunion about injuiries that were Fraud on my credit report. They were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they responded back saying that it would be deleted. Please see CFPB report on XX/XX/XXXX. They have not deleted them as of today!!!!
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (GA)

An hard inquiry was found on my credit report for a credit card from XXXX, XXXX credit card/XXXX which I didn't apply for. I called them to inform them to stop the transaction and remove it from my credit but they said they recognize what am talking about that i should called XXXX   which I did, XXXX referred back to XXXX. 
Please I need both of them to urgently stop the application, not to approved it and take it off my credit report as a hard inquiry
Consumer complaint received 2023-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

On XX/XX/2023 I received a copy of my credit report and noticed that there are 5 accounts from Medical Data Systems that have not been verified. I requested validation of the alleged debt and did not receive anything proving that these accounts belong to me. I also noticed that these accounts are reported inaccurately which violates my right to have a 100 % accurate consumer report. Furthermore Medical debt must be properly investigated and the method of such investigation is hereby requested.
Consumer complaint received 2023-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MA)

I pulled a copy of my credit report on XX/XX/2023 to make sure that my credit was in good shape before I applied for a loan and that's when I discover a collection agency by the name of Midland Credit Management has reported a past due account of {$790.00}. 

I have never received any communication from this collection agency stating that I owe them nor was I made aware of my rights to dispute. I contacted the credit bureau on XX/XX/2023 and all XXXX ( XXXX, XXXX, XXXX ) came back with " account verified ''. I also sent a debt validation letter to the collection agency ; to which they sent their first piece of communication to me, on XX/XX/2023, enclosed with what looks like copies of XXXX bills from a creditor. 

This agency is in violation of the FDCPA and I'm demanding that they remove this collection from my credit reports. 

According to U.S Code 15 U.S. Code 1692g, the collection agency was supposed to make attempts to contact me before they reported a collection to my credit report. They did not. I've only found out about the alleged debt, when I requested a copy of my credit report prior to submitting a loan application. 
This agency also failed to provide sufficient validation for this debt. Sending XXXX bills from a creditor does not constitute of complete validation.
Consumer complaint received 2023-06-15
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)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2018-10-15
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (NJ)

I was recently unemployed and fell behind did everything in my power to keep up however loss mitigation seems to deter me at every chance after submitting all required documentation they would state they needed just one more document then I would send it then they would do this several times in the end denying me for missing documentation and that I would need to start the process all over again they did this three times to me I cant get caught up due to late fees and they refuse to accept payment and I asked what that is for reinstatement they said they dont know they would need to pay XXXX dollars to lawyer to get that information and it could take over a two day period this is ridiculous I owe XXXX thats it and they cant help me catch up
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VA)

First I was out of town and didn't know where a Wells Fargo bank was located. I believe I have signed up for texted messages when my checking accounts ( yes I have 2 ) drop below a certain level. So I ended up paying {$200.00} toward my Wells Fargo Credit Card on XX/XX/18 and then paid {$250.00} on the same card on XX/XX/18. This was a mistake but since I can't see pending transfers in the account I double paid. This threw my whole life in a whirlwind. I was charged {$17.00} because the bank had to transfer money from my savings into my checking acct. But also because of this double payment to one credit card, I never intended to make, i overdrew again. I had set up to pay XXXX, XXXX, XXXX XXXX each {$25.00} on XX/XX/XXXX but they were paid {$25.00} again on XX/XX/XXXX ... again I never meant to duplicate these payments. So I don't know what is going on but at my XXXX bank if you try to enter a payment and you already have a pending one to that same vendor you get an alert immediately that you are about to double pay a vendor! So I am being charged 4 separate {$35.00} overdraft fee charges. These {$35.00} fees are more than the {$25.00} payments. I feel like I have been set up to fail and set up to be charged fees. When I realized what was going on I immediately transferred money from another Wells Fargo Checking and savings account into the overdrawn account. Those transfers are still pending today ( XX/XX/18 ). I do not understand why they didn't happen immediately so I would have avoided the four {$35.00} overdraft charges?? It all my money so what is the deal??? I feel like I was sat up to fail and I was set up to have to pay {$150.00} in fees!!!!! {$150.00} is a LOT of money to me!!! Again I never received a texted alert that my balance had dropped below a certain amount. At XXXX you see your pending payments ... .so you don't have to wonder if you set up for a vendor to be paid. At XXXX you receive an alert message if you attempt to double pay a vendor in the same month. These are both great resources and I don't see why Wells Fargo can't do this except for the fact they want to impose fees on us!
Consumer complaint received 2023-06-17
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)

I reviewed my Consumer Reports and noticed that I had few late payments on an account that I was never late for. 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 account : XXXX XXXX : ( 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 2023-06-17
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: EQUIFAX, INC. (SC)

I am a Victim of Identity Theft and explained that to XXXX, Equifax and XXXX, also provided them with evidence to prove that my identity has been compromised however they continue to report Fraudulent accounts on my credit file. which is against the FCRA 15 USC 1681. According to the GOVERNMENT the accounts that have been reported Fraudulent need to be removed and block immediately to correct my credit profile
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my Consumer Reports and noticed that I had few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX : ( 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 2023-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NJ)

XXXX XXXX XXXX XXXX trying to collect a debt belonging to the XXXX debt collector. The debt originally belonged to Commentity Bank who sold it to XXXX.I was contacted by XXXX credit monitoring that XXXX XXXX reported to the Credit Bureau. I contacted both parties and XXXX said the are the owner of the debt. I contacted XXXX XXXX and they hung up the phone. Date XXXX XXXX. The amount owed is {$520.00}. I requested that XXXX send a letter to me with the collection amount.
Consumer complaint received 2018-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IA)

When I graduated from college, I was made aware of a government student loan program called, " Public Service Loan Forgiveness ( PSLF ) Program. '' Essentially, if a college graduate obtains employment in the public/non-profit sector, then the college graduate remaining Federal Student Loan balance is forgiven after 10 years of full-time employment & 10 years ( 120 payments ) that are paid on time & in full. I have never missed a student loan payment and have been employed and currently employed with the XXXX XXXX XXXX for over 10 years since XX/XX/XXXX. I started paying on my student loans in XX/XX/XXXX. 

To my surprise, the payments that I made to my Federal Student Loans for the time period of XX/XX/XXXX-thru-XX/XX/XXXX were not counted as " qualifying payments '' of the 120 payment requirements due to being assigned the wrong repayment program. the PSLF Program is not the easiest program to navigate & I felt that for the time period of XX/XX/XXXX-thru-XX/XX/XXXX, I was making my student loan payments in the correct repayment program under PSLF program in good faith. 

However, I was recently informed of a Student Loan Forgiveness program called : " Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ), which was created under the Consolidated Appropriations Act, 2018. 

I believe I qualify for the Temporary Expanded Public Service Loan Forgiveness opportunity & it's important that my submitted request is processed as soon as possible. Because TEPSLF has limited funding of {$350.00} million, which means it will be proved to a limited number of applications on a first come, first served basis. 

I just received by formal denial of my PSLF Application on XX/XX/XXXX, which I'm happy to receive, because I have to have a formal denial of my PSLF due to non-qualifying payments to qualify for the TEPSLF Program. I have submitted my request for the TEPSLF program per XXXX  Instructions to XXXX & have not received a response that I'm being considered for the TEPSLF program since I submitted the TEPSLF request on XX/XX/XXXX. I know there is only a finite amount of funds available under the TEPSLF program, & I just want to be ensure that my name is correctly placed on the TEPSLF list for funds.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-06-15
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute : US BKRPT CT MD XXXX XXXX Purpose : Supplementary explanation of evidence. 

To Manager, I have previously disputed this bankruptcy record with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Please note my attached Birth Certificate. My legal name is noted there. Its the name I am required to use in all legal proceedings. This further shows that this record does not belong to me. I am frequently the target of identity theft and people burning my credit report with false info since my data has been breached by XXXX, XXXX, XXXX, and other companies. 


XXXX XXXX
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase Credit Card where I make a minimum payment to since the credit card was opened in XXXX. I recently have gone through financial hardship and have been late on some payments as of XXXX of XXXX. I went over 6 years with on-time payments and 1 year with late payments. I had to quit my job of over 5 years in XXXX.