davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (CA)

I applied for a cash out refinance late in XXXX  with an interest rate of XXXX for 15 years. The application process was moving along smoothly. Not long before my rate was set to expire, XXXX XXXX underwriting requested building inspection from the HOA. I found it odd that they waited until we were approaching the deadline to request this information. I enquired more than once as to why didnt they request this at the start of the loan like they usually do when important information is needed. I was never given a direct answer except that due to the condos that collapsed in Florida in XX/XX/2021, XXXX XXXX and XXXX XXXX are requesting this information to move forward with the loan. Long story short, the loan was eventually denied due to not being able to present the inspection that was requested. Not long after interest rates began to skyrocket. I eventually reapplied and by now the interest rate that I was approved for has gone up to XXXX. Thats a big difference from the previous rate I was approved for. Ive made a complaint with Mr Cooper but still havent got a straight answer. I feel that the mortgage company was aware that the rates was going to start to increase, and the previous loan was intentionally sabotage.
Consumer complaint received 2024-01-30
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. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-01-11
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. (IL)

I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1974. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX is reporting on my credit report for an insurance policy that I had canceled they are trying to charge me when I called and canceled the policy I did not want insurance at the time they are saying I owe this money for I had another insurance company that I went with
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I made an online purchase of a dress on Macys.com using Macys credit card which is Citibank ( Order # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) and received it on XX/XX/XXXX for the value of {$620.00}. The dress did not fit my body and immediately I packed it and shipped it back and expecting a refund. I tracked the dress shipment using the tracking number provided by XXXX - XXXX - The dress shipment was delivered to XXXX XXXX which is the seller on XX/XX/XXXX and signed for by XXXX XXXX employee " XXXX. '' Until today, I never received my refund for this returned item. 

On XX/XX/XXXX, I made an online purchase of XXXX dresses on Macys.com using Macys credit card which is Citibank ( Order # XXXX and Order # XXXX for the same XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) thinking that the bigger sizes might be a better fit for me and received it on XX/XX/XXXX for the value of {$620.00} + {$620.00}. 
Both dresses did not fit my body and immediately I packed both dresses and shipped it back to the seller. I tracked the shipment and both dresses were delivered back to the seller. I received my refund of {$620.00} + {$620.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I started reaching out to Macys and XXXX XXXX inquiring about my refund but I could not reach any resolution. XXXX XXXX sent me a message back saying that " Due to insufficient balance on our payable balance with Macys, we can not issue a refund right now. '' On XX/XX/XXXX, I filed a dispute with Macys credit card Citibank concerning my un-refunded returned dress that was delivered back to the seller and received by the seller on XX/XX/XXXX. However, to my surprise, Citibank replied to me saying this dispute is already resolved because you already received your refund on XX/XX/XXXX for the amount of {$620.00}. 
I called them to explain that this is completely incorrect and the refund of {$620.00} + another {$620.00} is for two entirely different orders. I am still missing my refund of {$620.00} from order # XXXX which was delivered back to the seller on XX/XX/XXXX and I have the tracking information to prove that they received it. 

Until today XX/XX/XXXX, I have not received my refund of {$620.00} and no one is helping me with the resolution of this issue. I am desperate for help.
Consumer complaint received 2023-04-26
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)

Attn : Consumer reporting agency To whom may be concern, I XXXX XXXX XXXX consumer and natural person who is a victim of identity theft. XXXX, Experian, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that consumer has rights to privacy which Experian, XXXX, and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The fair credit reporting act was intended to insure that consumers reporting agencies exercise their grave responsibility with famines and respect to the consumer right of privacy! Under the Gramm Leach Bliley Act of 1999. I enclose all documents social, ID and statement.
Consumer complaint received 2024-01-11
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. (CA)

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.
Consumer complaint received 2024-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

For the past two years I have disputed my personal name, address and accounts that were in clear violation with reason and code to TransUnion and XXXX to which they updated with no change or verified without providing any information on how they verified the information. These two companies are not doing any investigation and when I called XXXX XX/XX/2023 I was actually told by a customer service representative that one of my accounts was verified by the actual Account that was in dispute. I asked them how can an account in dispute investigate their self? She said that that was their process.
Consumer complaint received 2024-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$1000.00} RESURGENT/LVNV FUNDING XX/XX/XXXX {$690.00} I have taken several actions to address and remove a mistake on my credit report. First, I reviewed my credit report and identified an error concerning an incorrect payment history. I gathered all necessary documentation, including payment receipts and account statements, to support my claim. I then contacted the credit bureau, XXXX, and submitted a formal dispute through their online portal on XX/XX/XXXX. Additionally, I contacted the creditor directly to request a correction of the information and ensure they notify the credit bureaus. I followed up with both the credit bureau and the creditor regularly to check on the status of my dispute. On XX/XX/XXXX, I received confirmation from XXXX that the error had been corrected and my credit report updated. I continue to monitor my credit report regularly to ensure its accuracy and prevent future discrepancies.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Credit Systems, L.P. (NC)

I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 
Ive submitted proof of Identification card, Social Security card proof of address and FTC
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COLUMBIA BANKING SYSTEM, INC. (OR)

I deposited a check through the atm and received a message that the funds may not be available until the next business day. 

I checked my account in the XXXX on Wednesday morning and it said the check has cleared was reflecting on my ledger balance but not my available balance. When I would look at the actual check it said clearedwas no longer pending and had no information about a hold. 

I assumed it would change my available balance so I left for XXXX ID  to be with my husband in the hospital. 

I called the back at XXXX XXXX and was then informed they were holding a portion of the check. I asked why I was not notified and they told me they didnt have to notify me any more than the atm receipt. 

They informed me they were holding the check until the XXXX. I asked If they are holding the check why it doesnt say pending. The woman kept laughing at me and being snarky when I would bring up laws. She then mocked me and said those who have actually studied the laws I do not appreciate being mocked and put down she assumed I was uneducated.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I used my Chase United XXXX to rent a car from XXXXXXXX XXXX XXXX XXXX. 
The signed agreement for this charge states that I paid a {$500.00} deposit, the rental car fees AND FULL collision coverage as well as tolls. 

XXXXXXXX XXXX XXXX XXXX then sent a photo of a car and a bill with the description Damaged Car with the amount {$500.00} ( conveniently my deposit amount ) 1-i paid for full collision from allied with the chase united XXXX XXXXi had coverage for rental car with this XXXX 3- i had my own full coverage for insurance Chase United XXXX to my shock denied the claim " because a picture was sent of a car with damage '' 1- there is no proof i damaged the car and no damage charge ( repair ) presented 2- I explained that the car was inspected prior to me getting on the shuttle and handing over the keys as well as many other factors that could point to someone in the very tiny parking lot backing into said car after i left.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CHARLES SCHWAB CORPORATION, THE (MO)

On or around XX/XX/XXXX, I carefully reviewed my XXXX Report and disputed inaccurate information, specifically regarding a XXXX XXXX Bank account that was closed on XX/XX/XXXX, and charged off for {$210.00}. 

On XX/XX/XXXX, XXXX sent me the results of their " reinvestigation. '' Upon reviewing these results, it is evident that a proper reinvestigation was not conducted in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). Additionally, XXXX did not provide the documents I requested. Instead, they verified the information as accurate by sending me a driver 's license and what appears to be an outdated application from XXXX XXXX Bank dated XX/XX/XXXX, which I have no knowledge of, accompanied by an expired driver 's license. 

As a result of this ongoing issue, I was informed by a Charles Schwab representative that my application to open a brokerage/checking account with Charles Schwab was denied due to the negative information being reported on my XXXX report XXXX
Consumer complaint received 2024-01-11
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. (CA)

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 XXXX XXXX XXXX. 

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 2024-05-29
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NY)

New Home Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inspection Date : XXXX by XXXX ( Report can be provided ) The Sellers : Investors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX., and XXXX XXXX XXXX ) The Clear to Close : XXXX ; Closing Date : XXXX ; MOVED IN : XXXX Realtor : XXXX XXXX ( XXXX XXXX XXXX ) Broker : XXXX XXXX ( XXXX XXXX ) Attorney : XXXX XXXX XXXX I NEVER RECEIVED A NYS Property Condition Disclosure! After Inspection and the Clear to close, all communication stopped. I inquired several times with the broker and was assured everything was fine. Three hours before the closing I WAS DELAYED an entire month. 

I was told the two investors selling the home were in litigation with one another and were not in agreement on terms. I was told many sellers do not want to work with the VA, and inventory for homes was low, so since the items were not outstanding, and I was already clear to close I should just get it resolved while living there. 

I feel I was intentionally coaxed by the broker to close with obvious serious flaws and other and the little info I had, I now live here, and the items I've had to deal with are very much outstanding and major. 

It seems every corner possible was cut or work done improperly or not at all. I need to know specifically WHO the two investors are and what work they did or, rather, what work they did not do so I can begin to address them. 

On XX/XX/XXXX, I received a text from an XXXX who was referred by the attorney informing me about violations on my home before I owned it. 

Currently, I have fixed several things in the home, and I haven't even unpacked any boxes. Many of my belongings are destroyed due to water/waste damage from the sump pump cesspool overflow into the basement and tub. 

I have many emails and text chains of my attempts to get answers from the broker, sellers, and/or attorney. 

Realtor : XXXX XXXX ( XXXX XXXX XXXX ) Broker : XXXX XXXX ( XXXX XXXX ) Attorney : XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the presence of a fraudulent public record on my credit report, which is currently being reported by your bureau. Despite my submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), this fraudulent public record continues to appear on my credit report. Upon discovering this fraudulent public record, I immediately submitted a dispute to the FTC and provided all relevant documentation to support my claim of identity theft. Despite this, the public record remains on my credit report, causing significant harm to my creditworthiness. I kindly request that you conduct a thorough investigation into this matter and immediately remove this fraudulent public record from my credit report. The continued presence of this fraudulent public record is unwarranted and damaging to my credit standing. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
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. (GA)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action 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