davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CountryPlace Acceptance Corporation (TX)

CountryPlace, Please explain the following items : In your response to my complaint on XX/XX/XXXX, you attached a One to Four Contract that does not include every signature and/or the Certification of Completion. Why is that? You are missing the Title COmpanys signature and the Sellers Wet Signature. See attached.

How is Country Place NOT a part of the One to Four Contract if you created the document requesting me to sign it? 

One signature is from the title company, one is from you, and one is I had, and one is the only one I can say can be somewhat valid because it has a certificate of completion. 

Also, I got quite a few Closing Disclosures and this is my first time buying a house. Can you please confirm if we're using the Closing Disclosure from XX/XX/XXXX? that the Closing Disclosure you provided to the Title Company. Also, you sent a Closing Disclosure to the CFPB dated XX/XX/XXXX. WHAT ABOUT THE CLOSING DISCLOSURE FROM XX/XX/XXXX? The one from XXXX has a certificate of completion. ( see attached ) Why did we have to sign so many different closing disclosures is that normal? 

How come we or you had to pay for the XXXX XXXX  XXXX Surveys? What about the XXXX XXXX ones? 

Why did the same appraiser who did my appraisal do a lot 2 and lot 3 also? 

If you had the XXXX XXXX Information how come you did not provide this to the title company or to me or the CFPB? We would have liked to know there was a whole XXXX XXXX  Agreement. 

How come my house was sprayed for termites whenever you should not do that considering the well thing? How bad is that for my family 's health? 

How come XXXX the Site Contractor worker, the developer, and the septic installer were not disclosed to me? 

How come XXXX XXXX was not disclosed to me? And why did she list my house for sale after I bought it? 

How can I get the construction costs? I would like to know how much we paid for the well and everything? 

I've reached out to you so many times please send me my loan documents, i want my escrow information also.
Consumer complaint received 2022-09-13
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Owed : {$0.00}
Consumer complaint received 2022-09-13
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. (MO)

The Credit Bureaus have done nothing to correct the erroneous information reporting on my Credit Report! I previously sent a dispute letter addressed to the Credit Bureaus on XX/XX/XXXX requesting to correct the accounts and information being presented on my Credit report but it is clear that the Credit Bureaus have ignored my written request. I am now submitting this CFPB complaint to request the Credit Bureaus that they remove the disputed items completely from my Credit Report since they are unable to verify the authenticity of the items in dispute. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. I need the following items deleted as soon as possible : 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 USDOEXXXX XXXX XXXX XXXX XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NM)

XXXX XXXX should not have an account reporting. This account was settled in XXXX  with a garnishment which amount settled was paid. The correct reporting which has been submitted to Experian is closed settled for a lessor amount. 

XXXX XXXX XXXX, XXXX is converting accounts from XXXX  to XXXX. During this transition account numbers are being changed and reporting was affected. This particular account was not closed our properly in our old system and was converted to the new system and reactivated. It also made several accounts duplicate instead of converted due to slight reporting error from our previous system. Please disregard if there are two ( 2 ) accounts that end with the same account number. This document is for XXXX XXXX record and ability to contest the incorrect reporting from the situation above.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

This account was charged off on the following date XX/XX/year>, since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off Account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations, you failed to investigate this account properly after I asked you to do it TWICE, and your neglect has violated my rights. I am demanding a deletion for the following account. Account name- XXXX XXXX XXXX Account number - XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (TN)

On Saturday XX/XX/XXXX I called Ed financial to get a refund on the payments that were made since XXXX of XXXX. I spoke with a customer service representative and did not have a problem processing my request. I was told there was no email notification for my request and the process could take up to 6 months? I am not sure why the process is taking so long, and there is no type of communication for the request process. A few days later I had emailed Ed Financial to get an update on my request to ensure it was being processed and I still have not heard anything back. The communication has been very poor, and there is no system in place to track the progress.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I Have had my credit file for a long time now as I already have 9 open credit cards available to me I havent verified my personal credit in a while, on XXXX, XXXX 2022 I decided to apply for XXXX credit card for XXXX XXXX surprisingly I was denied upon verification of my credit score and credit report I realized unusual inquiries from these credit institutions named above I will be placing a credit freeze and credit monitoring service with the 3 credit bureaus I belive that my information was compromised upon application for a vehicule loan.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I was not saying they were reporting right or wrong. I am just saying that I am not 100 percent sure if they were. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to them. 
They did an investigation and claimed that the accounts were accurate. I did an investigation of my own and found that there are still improper accuracies even after they did their investigation. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with the Fair Reporting act these Convergent Accounts, 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 2022-09-13
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)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-13
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need this corrected at once. This is your final chance to resolve the inaccuracies on the item : XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Date : XX/XX/XXXX
Consumer complaint received 2022-09-12
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX  acc # 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 account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I received a string of emails from Bank of America on XX/XX/22 with the following subject lines : " Verify your email address '', " Online Application is in Progress '', " Your application was approved '', Welcome to Online and Mobile Banking '', and " Your email address was updated ''. All of the emails were received within 7 minutes of each other. I never applied for an account with BoA, so it appears someone has opened an account in my name. 

I have called BoA and been transferred through several fraud departments. So far, no resolution has been achieved.
Consumer complaint received 2022-09-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing this letter to fight against this charge-off of my credit card account with Capital One. I first opened my account 3 years and 3 months ago. They have me at a charged-off balanced at XXXX. I made an uninformed decision 3 years and 3 months ago when I first opened this account. The only evidence of debt was the agreement but that agreement is null in void because I made an uninformed decision and I did not understand its meaning, it was not clear and conspicuous. I was not aware that I could dispute or do anything with this debt.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (VA)

I was robbed of 4 social security checks while XXXX and never gave permission for my card to be used. It was used to send people money and for many transactions equaling p to XXXX over a period under 3 months. Bank refused to help me. XXXXXXXX XXXX is even used for another person not me. The other they sent it to said shoulda known it was something cuz that person never had money. I started police report. I want bbt to help it was unusual activity they should have noticed it. My local branches always knew how to get in touch with me.!!
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA (KS)

On XX/XX/22, I deposited XXXX into a Marcus by Goldman Sachs Savings account and XXXX into a Marcus CD account. Since depositing the money into the savings account I have not had access to my funds. I have continued to receive this message : the website is having technical issues or we can not process your request please try again. I called on XX/XX/22 regarding the issue and was told my account was in good standing and that IT will contact me. On XX/XX/22, I was contacted by IT and was told they had to contact my bank that was linked to verify that was my bank and these are my funds. Which I didnt understand because they didnt need a verification to accept my money. After, calling my bank via 3 way and verifying with my local bank that these are my funds and the bank that I bank with I was told I should be able to access my Marcus savings account. However, that still was not the case so I requested my account be closed and my money be transferred back to my linked bank account. I was told that the account would be closed on Thursday XX/XX/22. I called Sunday, XX/XX/22 to verify if the account had been closed and I was informed that it was not closed and would be closed today XX/XX/22. I called today to make sure the Marcus savings account was closed and sure enough it was not closed. I was told it was never closed on Thursday by the rep and she stated that it was a request to closed the account yesterday XX/XX/22. However, it was still open. I have not been able to access my money since I have placed it in the XXXX XXXX account on XX/XX/22. I am so frustrated about this entire situation that I requested that they closed the CD account today XX/XX/22. Can you please help me retrieve my money?
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX  has failed to properly investigate a dispute I sent last month, my dispute was closed out with a general response but did not notify credit reporting agencies of dispute nor did they check the inconsistencies across all three credit reporting agencies that was spoke of in the dispute, According to the FCRA, XXXX should have did a proper investigation of dispute to check for any computation errors and or review credit reporting for the consumer account, Self failed to do any of these things and the credit reporting is still inconsistent. I am demanding this CC account be removed and {$1000.00} in damages for willful non compliance of the FCRA that ultimately damages my consumer report. Im looking to hear from you soon.
Consumer complaint received 2022-09-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have submitted disputes to youand you have not responded in 30 days as you are required by law. 
Please investigate my disputes. 
Thank you.
Consumer complaint received 2022-09-13
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)

My identity was lost and it resulted in unarthorized opened accounts and charges damaging my report. 
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 XXXXXXXX
Consumer complaint received 2022-09-13
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2022-09-13
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. (CA)

On XX/XX/2022 I was in the process of correcting my credit report blemishes by paying off past debts I owed to improve my overall credit rating for the future. I contacted XXXX XXXX and was informed that I was in collections for a past due amount of {$680.00} which I paid in full as shown in attachment. On my credit report they are listed as an open account XXXX and debt was settled for lesser amount which is completely false and has an impact on my overall score. This is in violation to my rights under the fair credit reporting act.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2022-09-01
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: Mr. Cooper Group Inc. (MA)

I have not lived at this address in over 20 yrs. When my divorce started. I moved out in 2001. I live at a XXXX for the XXXX  and XXXX. I've lived here 12 yrs. They refuse to change my address to the current one. Even though they have called me on my cell phone which I've had with the same number for 12 or 13 yrs. They refuse to update my phone number as well. I signed the deed to the house over to my ex wife 20 yrs ago. The judge ordered her to get my name off the mortgage 20 yrs ago. I have all the court documents stating everything I've told you. In 20 yrs I've never received not one piece of mail concerning the house in question. I've asked them to mail me copies of anything pertaining to the house they refuse. What more can I do. I have one credit card I've never missed a payment or been late. This whole ordeal is XXXX me XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.