davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC (CA)

Our insurance is paid through our escrow account and Loan Depot did not tell us that our Homeowners Insurance wasnt paid as of XX/XX/XXXX until the year was over ( in XX/XX/XXXX ). So in XX/XX/XXXX, I purchased insurance. However, in XXXX I was notified that they are charging us an additional $ XXXX a month for a Lender placed insurance for that missing year. 

In XX/XX/XXXX, I called and spoke to XXXX different representatives in the Insurance Department XXXX XXXX, XXXX & XXXX XXXX. They reviewed everything and agreed that no notification was sent to me, so a supervisor sent a waive request to have the charges removed. The last call on XX/XX/XXXX, I was told that they would email me once resolved and that I didnt need to call back for follow ups like I had been doing. I waited, but by XX/XX/XXXX I still had not heard anything back. So I called them again. 

XX/XX/XXXX Spoke to XXXX. Turns out something happened to the initial waive request so another one was sent by the supervisor. They told me they notated the email to that team as Urgent. Spoke to their payment team about only paying my regular mortgage amount but they do not accept partial payments. So now I am struggling to find an extra $ XXXX a month. 

XX/XX/XXXX Called back for a follow up. No update per XXXX, but she said she would ask the XX/XX/XXXX supervisor to send a follow up. 

XX/XX/XXXX Called again and spoke to XXXX, whose supervisor sent another follow up email since there had been no updates. Told me it should be XXXX business hours. 

XX/XX/XXXX I called back and spoke to XXXX. Still no updates and she told me they would call me back once resolved. I told her Ive already done that in that past and it got lost somehow. So she told me to wait XXXX business hours before calling back. 

At this point Im so frustrated and charging me $ XXXX extra a month is stressful and ridiculous when its their fault to begin with. I dont know why this other team isnt getting back to me or why its taking them so long to respond. Urgent emails sent by their supervisors dont seem to matter and neither does their customer service because Ive been dealing with this since XX/XX/XXXX and there is still no response other than for me to wait XXXX amount of time before calling back.
Consumer complaint received 2024-07-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I received a letter from citi bank stating that I was not approved for a loan. I called them and said I never applied for a loan nor did I go online to inquire. Citibank pulled my credit without my knowledge. I called XXXX and froze my credit report. I spoke with XXXX. Then on XX/XX/XXXX they sent me a letter stating that my interest from XXXX was underreported. I spoke with XXXX on the XXXX and contacted my accountant there was no interest that citi paid me that year.
Consumer complaint received 2020-11-15
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received my investigation results.
Consumer complaint received 2024-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.
Consumer complaint received 2024-06-14
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (PA)

Bridgecrest Acceptance Corporation refuses to remove the trade line connected to the consumer report after confirming that the account has been discharged via 1099c. In addition they have no right to enforce as the contract for the account itself was assigned, meaning that Bridgecrest never had legal standing to pursue any debt collection or repossession of property. They also never perfected any alleged security interest by way of lien nor were they the original lien holder of the transaction. Please note this organization was just recently sued and lost due to these exact complications of the transaction they claim to have rights over. In addition the XXXX terminal has revealed that the Note for the XXXX XXXX XXXX  was securized and traded on the secondary market where Bridgecrest directly made more on the Note than the alleged obligation consists of. By way of laws of equity and as equitable owner I'm entitled to the proceeds received by Bridgecrest at a rate of XX/XX/XXXX in addition to compensation for the violations committed by Bridgecrest in the actions taken to enforce a contract they had no actual legal right or ownership over.
Consumer complaint received 2024-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX  - XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX  - XXXX {$950.00} XXXX  - XXXX XXXX - XXXX {$1100.00} XXXX XXXX - XXXX {$380.00} XXXX - XXXX d {$350.00} XXXX XXXX XXXX - XXXX {$570.00}
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 2019-07-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I got a bed to try out for XXXX nights and I did not like the bed so I had the bed picked up with no charge to me. The bed company use XXXX XXXX XXXX XXXX XXXX fl. XXXX XXXX XXXX CA. for there loan Co. I was never billed by XXXX XXXX at any time when I was on my trial time for the bed. I never paid any one no money at any time for the bed. XXXX XXXX said I made 3 payments to them, Frist one in XXXX, XXXX in XXXX & XXXX of 2017 they say I was 30 days Late. I got the bed to try out in XXXX of 2017 the first and the bed Co. picked the bed up on XX/XX/2017 that is 104 days. XXXX XXXX said my loan was for {$920.00} Open on XX/XX/2017 and closed on XX/XX/2017, I just want XXXX XXXX to take the 30 day late off of my credit report at Experian its been giving me a bad report and hurting my good credit.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 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 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute with the consumer reporting agency disputing inaccurate and incomplete information on my consumer report. The consumer reporting agency responded to the dispute " nothing changed ''. I filed for a re-investigation of the disputed inaccurate and incomplete information. The consumer reporting agency responded to the re-investigation as '' nothing changed ''. It's is a " FACT '' that inaccurate and incomplete information is reporting on my consumer report. This is a " Direct Violation '' of my consumer rights under the Fair Credit Reporting Act. The reference accounts are as followed : XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX  XXXX account # XXXX These accounts are inaccurately and incompletely reporting on my consumer report. The consumer reporting agency has the duty to report 100 % percent accurate and complete information to the best of the responsibility. This is a " Direct Violation '' of my consumer rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, my name is XXXX XXXX and my address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX. My phone number is XXXX XXXX XXXX. I contacted Trans Union XXXX and experience Credit reporting agency Concerning These accounts XXXX XXXX  XXXX  And XXXX XXXX  And XXXX XXXX XXXX XXXX And XXXX XXXX  And XXXX XXXX XXXX. These accounts were open fraudulently And I asked them kindly to remove these accounts from my credit report because they are not mine and I want them off immediately. the credit reporting agency plays a lot of games In regards to my request When these accounts were open Fraudulently without my authorization. these accounts Never had the right address neither the right phone number and the correct spelling of my name. the credit bureau has since then updated the correct address to my credit report Along with my name And the correct phone number. These accounts are still sitting on my credit report even though they have no address attached to them And the credit bureau has since then refused to remove them From my credit report
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: AppFolio, Inc. (MI)

On XX/XX/XXXX I received a FCRA Adverse Action Letter for denial of a rental unit I was applying for. Along with the rental 's management company, I was denied due to past negative rental history, which is false. 
I am out another {$50.00} application fee for rental and my housing rights are being harmed! I can not get rentals and or purchases now. I owe nothing to a prior landlord, I received XXXX funding ( XXXX XXXX ) and have bank and payment portal receipts.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I received a message on XX/XX/year> that my student loans were being consolidated into {$40000.00} from {$69000.00}. However, looking at my Mohela account currently, it has resumed to the initial XXXX amount. I believe that MOHELA is not acting in good faith regarding the way student loan forgiveness from the XXXX administration is being handed out.
Consumer complaint received 2024-07-14
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: SoLo Funds Inc. (GA)

Basically I lent money out to people on the solo app and of course they didnt pay on time and solo trying to give me half my money for lending money. Or make me wait 90 days to see if they pay the money. Just very misleading and I would have never lent money out they I needed thinking I would make some money off my money not lose money and time
Consumer complaint received 2024-07-14
Product: Credit 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: U.S. BANCORP (UT)

I am trying to have a fraudulent transaction reviewed. US bank automatically closed my dispute without conducting any research. I have provided the requested information by both mail and fax via a local branch and have yet to hear about my dispute being looked into. I already provided all of the relevant information to an agent of the bank on a recorded line which was more than enough information to at least contact the merchant. I don't believe this bank is performing a due diligence when it comes to protecting their clients. I have worked in the credit card industry for 7 years now and US bank needs a full audit of their credit card disputes procedures as the handling of this request has been nothing short of negligent.
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (SC)

I opened a total checking account at the chase branch in XXXX and was told I could overdraft my account as opposed to my current account which was secured banking. I just got off the phone with customer support and they told me the system dictates weather or now Im allowed to overdraft my account or not
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-06-11
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. (GA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-06-11
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. (GA)

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 15 USC 1681.

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 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.