davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (VA)

On the XXXX of XX/XX/2022 I closed on a XXXX XXXX with XXXX XXXX XXXX XXXX. The address of the property is XXXX XXXX XXXX, XXXX VA XXXX Prior to closing I expressed concerns I had about the structural integrity of the home with both the Lender ( XXXX XXXX XXXX XXXX ) and my real estate agent ( XXXX XXXX of XXXX XXXX ). Both parties assured me repeatedly that the VA had very strict standards about minimum property requirements and would not allow any home with safety or sanitary issues to be approved for a VA homeloan. After being presented with inspection documents saying nothing was found I closed on the home. Immediately following closing and moving in with my family I found that the home was full of mold ( including black mold ), termite damage and water damage. The conservative estimate to make the home safe ( inhabitable ) is {$200000.00}. Based on the property value and the age of the home it is not reasonably savable. 
After finding PROOF that the sellers, both parties real estate agents ( theirs and mine ), the lender and possibly the VA appraiser were all aware of the termite damage - at least. A termite inspection was done and all the damage was found and reported prior to closing which would have prevented the sale going through. A false documented was used at closing and presented to me, signed by the sellers and approved by the lender with no corresponding invoice, at closing saying nothing was found. 

As a result I have had to spend thousands of dollars to document all of this, move my family out of the house to safety, hire attorneys etc. my attorneys have filed a consumer fraud lawsuit and the above named parties are being served. 

I requested a forbearance from the lender in XXXX XXXX XXXX. I also reported all this information directly to the VA Office that overseas the homeloan program. No help has been granted. XXXX XXXX XXXX is very aggressively seeking foreclosure and public auction on the property where I still reside. They have destroyed my credit in the process. My family has separated over the hardship and I am on the verge of becoming a homeless veteran because if they foreclose and evict I have nowhere to go with my animals. I have requested assistance from the Congressmans Office and they referred me to you. The VA keeps telling me they cant help they just write the check for the home.

This is not just consumer fraud this is Federal Fraud committed by the lender and all other parties. The documents used at closing included a receipt from the company that conducted and documented the termite damage but no corresponding report. The report used was by a company that did not conduct a termite inspection or bill for a a termite inspection.
Consumer complaint received 2023-07-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Francy Law Firm, P.C. (CO)

Fancy law has harassed me, took money out of my account without notice twice. I have been paying on time the one month my credit card info was stolen and I couldnt pay she threatened to sue me and garnish all my wages until paid.
Consumer complaint received 2023-10-09
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. (NC)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX : {$570.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-04-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMB FINANCIAL CORPORATION (KS)

On the XXXX of XX/XX/2023 I made a cash deposit through an ATM at a UMB Bank. I used my XXXX debit card as the intended account to receive the funds. I deposited approximately {$250.00} and the ATM took the cash ; However, it indicated a technical error had occurred and the funds were unable to be deposited. The ATM then asked me to estimate the dollar value of the funds I deposited and produced two receipts instructing me to bring these to the bank. I have included a scanned copy of the front and back of these receipts. 

Due to my job, I was unable to let the bank know until the XXXX of XXXX. I brought the receipts to the same UMB Bank where the ATM was located and was told that I must reach out to XXXX as this is a problem on their end. I reached out to XXXX the same day who informed me the ATM I had used is not a " XXXX '' ATM and so XXXX is not able to receive the funds and showed no history of funds being received. 

I returned to the UMB Bank on the XXXX of XXXX and they again told me this was on XXXX and that I needed to fill out a formal dispute form through XXXX which would then be handle by UMB. I asked XXXX for this form and they told me they do not have this form and that there isn't much they can do as they have no history of funds being received. XXXX offered additional assistance and I provided them a copy of the ATM receipts I've included here. They said it's unlikely they'll be able to do much but will try reaching out to UMB. 

The UMB Bank and ATM mentioned is located at XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX. 

Incase the attachments are not able to be opened, I'll include what details I can. 

Front 1 .... 
Date : XX/XX/2023 Time : XXXX XXXX XXXX Deposit Exception Record Deposit Amount : {$250.00} To : Savings One or more deposit items were unable to be returned due to a technical problem. We Apologize for the inconvenience. 

Front 2 .... 
Date : XX/XX/2023 Time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : {$0.00} CASH DEP. - SAVINGS INVALID TRANSACTION 115 Page 1 of 1
Consumer complaint received 2023-05-13
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. (GA)

Ive contacted XXXX numerous of times took the proper steps to get the all resolved and they keep updating my profile as remaining These inquiries should not be on my profile as they were made due to fraudulent Creditor XXXX  Inquiry Date XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX  XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX  Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX  Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXXXXXX Inquiry Date : XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX  * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX 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 * CompanyXXXX  XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX XXXX XXXXXXXX XXXX, XXXX * XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX * CompanyXXXX XXXX  * XXXX XXXX, XXXX * CompanyXXXX  * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX XXXX  XXXX XXXX * XXXX XXXX, XXXX * XXXXXXXX XXXX XXXX XXXX  * XXXX XXXX, XXXX * CompanyXXXX  XXXX * XXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX * XX/XX/XXXX * CompanyXXXX XXXX XXXX XXXXXX/XX/XXXX * CompanyXXXX XXXX XXXX  XXXX * XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX, XXXX * XXXX XXXX XXXX XXXX * XXXX XXXX, XXXX XXXX XXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX * XXXX XXXX, XXXX * CompanyXXXX XXXX XXXXXXXX XXXX * XXXX XXXX, XXXX * XXXX XXXX * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX * CompanyXXXX XXXX XXXX  XXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX * XXXX XXXX, XXXX * CompanyXXXX XXXX XXXX  XXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX XXXX XXXX, XXXX * CompanyXXXX XXXX XXXX  XXXX XXXX * XXXX XXXX, XXXX * XXXX XXXX XXXX. 
* XXXX XXXX, XXXX * CompanyXXXX XXXXXXXX * DateXXXX XXXXXXXX, XXXX * XXXX XXXX * XXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX * CompanyXXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX  * XXXX XXXX, XXXX * CompanyXXXX XXXX XXXX DateXXXX  XXXX, XXXX * CompanyXXXX XXXXXXXX  * XXXX XXXX, XXXX * CompanyXXXX XXXX
Consumer complaint received 2022-12-07
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. (TN)

XXXX XXXX Complaint XXXX XXXX XXXX XXXX  : {$5400.00}, XXXX XXXX XXXX : {$2100.00},, XXXX XXXX XXXX : {$780.00},, Bankruptcy : {$0.00}, XXXX XXXX XXXXXXXX : {$170.00}, XXXX : {$15000.00}, 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.
Consumer complaint received 2022-11-17
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-09
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

I had and have had issues with Chase Bank/JP Morgan Weath Management financial advisor for a lengthy time but put up with it. However, last XXXX I emailed the advisor XXXX XXXX that I needed to talk to her being rates have gone up a lot. I asked her to call me the following Friday morning and never got an email or phone call. I sat tight until XXXX when I ironically got a survey via email from JP Morgan from a XXXX XXXX. I did not fill it out favorably, in fact from XXXX, I put down all XXXX 's or XXXX 's. I got a call from his office, not him about it. I told some lady named XXXX XXXX the complete situation going back quite a while. Obvoiusly they do not want to hear negatives, only saying " apologize for that " but not offering any solutions. I emailed that XXXX XXXX voicing again my dissatisfaction with him being his name was on the bottom of the survey asking WHY hasn't he emailed or called to talk about it, instead of having someone I could not understand nor seemed that interested. Again no response. I emailed him again saying how rude he was and uncaring. One person XXXX XXXX called and we talked and seemed nice but he was not at liberty to say why the upper ups would not call. I found out today, Friday my accounts were closed! When I called to find out why, I was told that they do not have to say why. 

Is that what happens in this Country?? I am a XXXXXXXX veteran and explained to a couple people that if you were the person that was not taken care of by a so-called financial advisor, would you not be upset, and even more so when you complain about it that it still does not get you anywhere. 

Is Chase that big that they can walk over you after you been a customer for over 30 years and have several accounts? I take it CHASE/JP Morgan and who ever this XXXX XXXX is only wants to hear good things so they can put 5 stars next to the CHASE name, but if you complain, they/he only ignores it never correcting the problem JUST saying or having someone else say I APOLOGIZE which is useless since the same problem ( s ) continue.
Consumer complaint received 2023-10-09
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. (TX)

I have contacted XXXX XXXX XXXX to let them know this auto loan does not belong to me, Experian is Violating The Fair Credit Reporting Act by not Removing the XXXX and XXXX XXXX Account From my credit report I have sent in all necessary Documation along with Identity theft reports and And Victim Complaint form that Was Notarized. The account Experian deleted and Blocked due to me being a victim of Identity Theft and then they added it back. I have attached Proof.
Consumer complaint received 2023-10-09
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: EQUIFAX, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-11
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. (AZ)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-09-20
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

XX/XX/2023, MySynchrony card company cancelled my store cards for XXXX and Guitar Center. I was in good standing and XXXX card close to payed off and Guitar Center months later. Out off the blue they closed my account and my credit rating took a huge drop for no reason. I was always on time with payments. I called them on XX/XX/2023 at XXXX, the lady said that sent me a letter which I never received, and listed XXXX reasons why it was closed.
Consumer complaint received 2023-05-05
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. (AZ)

file against the three major buraus XXXX XXXX/ equifax. if the bankruptcy courts does not report to the three major credit buraus and they do not I'm not sure why this bankruptcy XXXX and reopening of current bankruptcy and a dismissed bankruptcy XXXX XXXX is not reporting. the three major credit buries. XXXX XXXX have not been reporting to the credit buraus i will include documentation for the bankruptcy court and XXXX  XXXX i feel my rights and security has been breached. 
Rule 9037 of the Federal Rules of Bankruptcy Procedure went into effect on XXXX XXXXXXXX XXXX. Adopted in compliance with section 205 ( c ) ( 3 ) of the E-Government Act of 2002, Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened a new XXXX XXXX XXXX in XXXX of 2022. 

I was offered a {$200.00} bonus if I spent {$1000.00} within 90 days of opening the account. 

I spent the {$1000.00}, and waited for my bonus. 

My renter 's insurance policy was cancelled and I got a small refund in XXXX. 

I called them in XXXX, XXXX & XXXX about an interest issue, which they finally resolved on the XXXX call, and asked them about my missing Cashback bonus during the XXXX call. 

They said the insurance refund made me ineligible for the cashback bonus offer.
Consumer complaint received 2023-09-29
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. (NE)

The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquiry Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XXXX inquiry
Consumer complaint received 2023-10-09
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. (CA)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$470000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$470000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$470000.00}
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.