davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
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: Experian Information Solutions Inc. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-01-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

This is a formal complaint that I would like to request against XXXX Mortgage XXXX XXXX # XXXX Per our last communication on XX/XX/XXXX. I spoke to XXXX Mortgage XXXX to confirm that the additional paperwork at their request for my loan modification was received via Fax ( see attached ). I spoke to them regarding the current status of my loan modification. I was told that the paperwork was received and notified that the documents were still being reviewed for our loan Modification. 
Per the last email on the XXXX from Special Servicing Specialist it stated " If you are still in need of assistance, we are happy to help, just give us a call at XXXX or XXXX for more details or you can send in the mortgage assistance application to reapply. There is a foreclosure sale date of XX/XX/XXXX so we need a full package as soon as possible ''. 
Unequivocally at no time during our last phone call ( XX/XX/XXXX at XXXXXXXX XXXX  ) nor leading up to XX/XX/XXXX, myself, nor any member of my household was notified via phone, in person or registered mail that the house would be still placed on auction on XX/XX/XXXX. It was on XX/XX/XXXX, that my wife was contacted by a third party that stated that our home had been sold to a third party. We then contacted our Veterans Affairs GuarantoXXXX advocate office in XXXXXXXX XXXX The XXXX XXXX XXXX XXXX were unaware that XXXX Mortgage XXXX XXXX # XXXX had been in communication with us. XXXX Mortgage XXXX did not notify the XXXX Affairs XXXX that we had submitted documents for a loan modification during the same time as the sale of the home was nearing and began to proceed with the sale. 

We would like to request this to be investigated thoroughly and fairly. The process that was taken by XXXX Mortgage XXXX XXXX # XXXX is a display of unethical business practices and also displays XXXX XXXX in the highest regards. Please see attachments as additional details to support our statements of continued communication with XXXX Mortgage XXXX # XXXX in regard to our Loan Modification request.
Consumer complaint received 2024-03-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (FL)

I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX )
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

These inquiries were not authorize by me : XXXX Inquired on XX/XX/2023 XXXXXXXX XXXX Inquired on XX/XX/2023
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital one has me a a charge off which is not correct my pmt was mailed as u can see the discrepancies in th3 dates I have called complained dispute over and over I paid my balance and informed tech to close out my account BUT they didn't close it they left open which I didn't know and was continued being billed or whatever but I paid and closed now im charged off which is totally Inaccurate they want work with me i have only a few things on my credit we was in process of closing on house and I needed this removed but now I've lost earnest deposit everything I offerd to pay what ever they say i owe but will not remove or at least change to current
Consumer complaint received 2018-10-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (OH)

Auto was repo and sold and I never received proof of sale which was sent to someone else. Sent 3 request for the loan to be validated, in XX/XX/2018, just received document and shows all paperwork was issue to someone living in Texas, which I have never lived. The car was repo from my current address in Ohio where I have lived and currently still live. Received payoff for $ XXXX, which is fees when balance was {$8700.00}. Never received notice of sale of auto.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2020-07-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (LA)

I opened a business bank account for my company XXXX XXXX XXXX XXXX that i opened and registered with the state of Louisiana in XXXX of 2020. I made several deposits and i also linked an external account that i VERIFIED was my personal account and i am in fact the account holder. I did a balance transfer for {$1000.00} and everything went smooth. I tried to do another transfer for {$8000.00} and Chase did not allow the transaction to go through and FROZE my account to " protect '' me from suspicious activity. I called the Chase number and the representative could not give me any details on why my account is frozen except for the fact that they had to call XXXX XXXX and verify the account holder and the funding. I asked did they do this to everyone and he replied YES. My partner did a bank transfer for {$10000.00}, the next day and everything went through FINE!!!  After investigating this matter i am seeing that Chase is closing most minority XXXX XXXX account holders accounts. They are suspecting Fraud and or illegal activity when account holders are either transferring large amounts or deposing large amounts in their accounts. As we ALL know Chase has been heavy under fire on MULTIPLE occasions for XXXX XXXX and discriminating against XXXX minorities. I do not think it is FAIR and it's also embarrassing as XXXX that Chase bank is suspecting legit business owners of illegal activity. When going inside the bank and submitting required documentation Chase Bank is asking questions in a very aggressive and interrogatory manner suspecting ALL account holders of Fraud. I operate a legit business and have been operating for 3 years. I recently opened the Chase account to have more than one business account. Being in business it's not fun to have your account/funds tied up and you can't have access to them. I could've EASILY agreed to let Chase contact XXXX XXXXXXXX to verify the account but would i have to do that with EVERY transaction? Again, i wholeheartedly believe Chase needs to be investigated for their practices. This is ridiculous! I have no intentions on EVER doing business with this company again but they do need to be held accountable for their actions!!! I honestly believe a class action law suit should be filed.
Consumer complaint received 2017-11-03
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)

XXXX XXXX XXXX trade is fraudulent and illegal. I have asked numerous times for this to be removed! It reamins on my report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 
XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the fraud trade be removed.
Consumer complaint received 2024-01-23
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. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-07-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I called Experian on XX/XX/2020 letting them know that the addresses and phone on the website are not accurate in Information.I try to file a dispute to EXPERIAN have credit inquires removed off my report.I submitted a cease and desist order to tell XXXX XXXX to stop running my credit on XX/XX/2020 I currently have a pending court case XX/XX/2020 regarding the cease and desist order violation. 
I asked to speak to a supervisor with Experian because the customer service was refusing to accept my dispute.I explained to her the addresses and phone numbers were wrong I called the numbers they are disconnected or voice mail is full and I mailed out letters but address was not valid returned back to me. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX/XXXXXXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX XXXX XXXX   Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX/XXXX XXXX  Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX/XXXX XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX XXXX Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me finding unverifiable, Invalidated, Inaccurate, and questionable items that the agency didn't make sure it was reporting 100 % correct. On XX/XX/2017 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " they do not report bankruptcies to anyone. " So if that's the case.How did the credit bureaus verify the bankruptcy as 100 % accurate. they never did a fair investigation to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information consumer '' s character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, his information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

they also violated my rights numerous times.

the credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2020-07-30
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

We were solicited by Rocket Mortgage ( Quicken ) for a refinance of our VA home loan. We started the process around XX/XX/2020. We provided the required documentation no later than XX/XX/2020 to Rocket Mortgage. We were advised that from here on out, the loan would go to final underwriting and we would be scheduled to close by the end of the month of XXXX. Due to technical difficulties on Rocket Mortgage 's side ( a missing disclosure that they were unable to send electronically ) we did not close at the end of XXXX. We provided the executed disclosure and advised we would close at the end of XXXX, as to minimize the prepaid interest amount we would pay on the new loan. We had no contact with Rocket Mortgage regarding our final underwriting and when we would be clear to close. After being assured we would close at the end of XXXX, I sent an email of complaint to Rocket mortgage on XX/XX/2020 and to date have not received a response. On XX/XX/2020 ; I spent more than 3.5 hours on hold asking about the status of my complaint ( which two customer services reps ignored and failed to address ) and one chat where I was asking questions regarding the HUD-1 Settlement statement, first payment date of my new loan, and the delay in this process. 
I questioned the following on my Preliminary HUD : Payoff provided by lender ( attached ) is {$210.00}, XXXX Payoff listed on HUD ( attached ) is {$200000.00}. 
Unable to explain the delay in Clear to Close from XX/XX/2020 to present Unable to address the reason for not closing prior to XX/XX/2020 ( initially scheduled ) Via Chat, I expressly asked that we receive a call no later than XXXX tomorrow and that the closing is cancelled until my inquiries are met. The package, estimates et all are all prepared and still reflect that I am closing on XX/XX/2020.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 


Also this collection agency contacted me via mail harassing stating that I am ignoring them. I do NOT HAVE A WRITTEN CONTRACT WITH THEM SIGNED BY ME. they have not produced one at all nor gave details of this alleged debt as in why they have the debt in the first place. They didnt notify me of them purchasing an alleged debt or any other required information so they are in violation and at risk of being sued for {$1000.00} per violation Accounts XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Last 4 digits SS # XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to address a matter of utmost concern regarding my recent credit report. Upon reviewing my report The following accounts ( itemized below ) are reporting a current balance when it is my understanding and reason to believe that this debt was charged off by each lender. Because of that fact, this debt is cancelled and at least should not reflect the balance nor continue to actively report current updates that is currently showing on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Please delete these inaccuracies. 

Barclays Bank Delaware : Balance {$1400.00} Last Report date XX/XX/XXXX  XXXX XXXX XXXX XXXX : Balance {$410.00} Last Report date XX/XX/XXXX  XXXX  Personal Loan : Balance {$790.00} Last Report date XX/XX/
Consumer complaint received 2023-04-24
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)

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. XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # 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 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. Chapters 4
Consumer complaint received 2024-03-22
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. (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 2023-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings (NC)

This collection continues to be notated as valid, however no notification of this debt was provided so that I could dispute it being added to my report after being removed in XXXX. No documentation in the form of a final bill has been provided, that is required. I was sent an email outlining fees from someone that does not work for vivnt and the notification I should have received to notify me of my right to dispute is dated for XXXX although the collection was added XX/XX/XXXX.