davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (PA)

I have had 2 appraises done on the property and 100 % everything including size and work required was 100 % different in both reports, last one wanted a electrical inspection but 1st said there was no issues, almost nothing stayed the same between the 1st and 2nd report done, quicken refuses to have it redone by a 3rd party for any verification or cover the inspection for electrical that was request by 2nd. They refused to do anything about it. 

on the deposit they made me place for XXXX and refuse to give back. im sure that upon review of the tape it will clearly show that I asked about this and I was told THIS IS A CONSENT TO DO BUSINESS further it was stated that THIS IS 100 % APPLIED TOWARDS YOUR LOAN. I also stated about what if things did not go well and in return it was stated to the effect of THIS IS ONLY TO MUTUALLY ASSURE A COMMITMENT TO DO BUSINESS AND THIS IS A DEPOSIT THAT GOES TOWARDS YOUR LOAN a deposit is something that is returned once business is completed and in this case that was told to BE APPLIED TOWARDS THE LOAN, IN EFFECT IT IS TAKEN OFF THE LOAN SO YOU DO GET IT BACK IN THE END ... 

THEY REFUSE TO FIX THE REPORTS, THEY REFUSE TO KEEP LOAN OPEN TO I CAN GET REMEDIATIONS DONE, THEY REFUSE TO DO THE ELECTRICAL INSPECTION, THEY REFUSE TO GIVE ME BACK MY XXXX DEPOSIT and point to a document that was signed in hast because of what i was told.. 

I WANT MY XXXX BACK, OR I WANT THEM TO DO THE INSPECTION AND GET A 3RD PARTY I AGREE ON TO DO A NEW REPORT BECAUSE THEY CONTACTED WHO THEY WANTED FOR BOTH REPORTS, WELL THERE PREFERRED TITAL COMPANY XXXX DID ANYWAY.. SO THEY PREFERRED COMPANY GOT THEY PREFERRED PEOPLE TO DO A REPORT THAT FAVORED THEM AND NOW REFUSE TO HAVE A INDEPENDENT 3RD PARTY DO ANOTHER TO RESOLVE THAT MATTER THAT 1ST AND 2ND REPORTS WERE DIFFERENT IN ALL AREAS EVENT BUILDING TYPE, SIZE, LIVING AREA, ELECTRICAL, PAINT, REPAIRS NEEDED, ETC ... THE 1ST REPORT SAID ABOUT 1,000 TO FIX IF YOU HIRE SOMEONE, THE 2ND SAID ABOUT 5,000 FOR THE SAME.
Consumer complaint received 2018-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Deutsche Bank (CA)

XXXX XXXX XXXX XXXX XXXX XXXX was deducting our personal XXXX checking account monthly fees that were not authorized. I never authorized this and they provided me no proof they had authorization for deductions even after multiple requests for a contract that they had claimed they had. I found they had deducted {$4900.00}. When I contacted the company they had no explaination and provided no contratual agreement to take money from account. They said they would only refund {$1500.00} of the money that was taken. They had no reasoning. I would like a full refund of the funds taken from my account without my permission. Please help in assisting me get my money back. I don't know who else to contact for help to get my money back.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-09-30
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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. (FL)

I found multiples errors and violations of my rights under FCRA and these accounts must be deleted. TransUnion failed to complete a full investigation and remove inaccurate data from my credit file. 
XXXX  XXXX XXXX XXXXXXXX Account repeatedly reporting C/O every month on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. Re-aging the account is illegal. Account must be removed. 
XXXX  XXXX XXXX XXXXXXXX Account repeatedly reporting C/O every month in XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Re-aging the account is illegal. Account must be removed. 
XXXX XXXX  # XXXX Account reporting as C/O every month on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Re-aging the account is a violation under FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX Multiple inaccuracies ; report do not indicate when/if account has been sold, and not reflecting a {$0.00} after transferred/sold/paid. Account showed closed as XX/XX/XXXX but TransUnion is reporting as 120 days late on XX/XX/XXXX. Violation under 1681i. Delete Account. 
XXXX XXXX XXXX XXXX  XXXX TransUnion and Creditor was unable to provide a validation of debt Pursuant 12 CFR 1006.34. Certified Letter sent on XX/XX/XXXX and failed to respond. Delete Account
Consumer complaint received 2024-04-11
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. (SC)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts & inquiries on my credit report that were not open by me. This has been hurting me as I am in process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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 XXXX XXXX XXXX0.00}.
Consumer complaint received 2024-04-11
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)

Upon reviewing my credit report, I have discovered that your agency has furnished and/or obtained my personal information without my explicit written consent, as required by law. Under the Fair Credit Reporting Act, Section 1681b, it is mandated that consumer reporting agencies must obtain written consent from consumers before disclosing their private information to third parties. 
I would like to formally state that I have never provided written authorization for your agency to furnish or obtain my private information. Therefore, any disclosure of my information without proper consent is a violation of my rights under the Fair Credit Reporting Act. 
I hereby request that you promptly remove the following closed accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital one They Took money out of my moms bank account when she added me as a signer to help her when she couldnt get there. XXXX there anyway she can get her {$3000.00} back
Consumer complaint received 2017-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (OH)

Consumer portfolio services and XXXX XXXX XXXX XXXX entered an agreement with us on XX/X/2011 for a 60 mo loan. it should of been over by last XX/XX/XXXX yet it is showing we still owe 5+ payments at late fees. They have improperly applied payments to interest instead of applying any of the extra money to any owed fees and principal as they should of. They were ready to " settle '' the account for less, but failed to even mention the fact that it would damage our credit even further than it already had. We started off paying ahead on the loan, and yet still got it with late fees, which started a downward spiral of credit issues on this account and every time paid extra to get back on track they would mislead us and apply the money incorrectly. now I am still paying on a car almost a year after it was supposed to be paid off, how is that even possible. if we would n't of got a second opinion on this, then we could of been stuck in a cycle of paying for this car forever, even thought the bank received more than their fair share.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I noticed that a savings account with minimal money I haven't used in years was charged over {$3000.00}, putting it in the negative. I called the bank ( Bank of America ) to tell them this is a fraudulent transaction, but I the fraud associate said they couldn't see any record of an attempted transaction and did not advise me to do anything. 

Two days later I see the same charge processing. I call the bank and tell them why was this allowed to process after I explicitly called about the fraud already. It is obviously fraud, money coming from an account that I never use. They put a stop payment but said it was too late and also put a freeze on account. They said when it posts I can initiate a fraud claim and that it would be refunded while they investigate. 

Predictably, this did not work and I see the transaction posted this morning. I put in a fraud claim but still they did not refund the money while they investigate. This is a blatantly obvious fraud transaction that I called about multiple times over days the bank had plenty of time to block and simply did not do so and are now not returning the money they should not have released in the first place. This is absolutely unacceptable criminal behavior by the bank simply allowing a criminal to take money from my account when I brought up the issue multiple times where they could have stopped it.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (VA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-04-21
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: Bread Financial Holdings, Inc. (TX)

I have disputed this account several times with Comentity Capital XXXX XXXX The card was take out in my name Fraudulently. I have expressed to them Several times as well as sent two different police reports. I have disputed with the credit bureaus several times but they continue to verify the account without being able to send information that validates the account. I have been a victim of fraud the last ten years and have informed the company of stolen identity. 

The account has been sold several times and each time I am not being given proof of burden. 

I want the account removed from ALL credit reporting agencies due to its fraudulent nature and negative impact on my credit profile. 

The account is appearing on my account as a negative closer account. 

XXXX Acct # XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian & XXXX ) and update the account to positive.
Consumer complaint received 2018-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OR)

I keep getting notices that I have to re-certify my Income Base repayment plan in XX/XX/XXXX. However, when I log into the Federal Student Aid website it says I do not have to re-certify until XX/XX/XXXX. I spoke to a representative at Navient who said I only have to re-certify with the one form on the Federal Student loan website, but she couldn't explain why Navient had one date and the FASA site and my other loan servicer had a completely different re-certify date if I only submitted one form that went to all. 

I am also filing a complaint that Navient doesn't participate in the Public Service Student Loan Forgiveness program that I am already participating in with my other lender. What kind of company doesn't support Public Service employment?
Consumer complaint received 2023-08-02
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. (TX)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2017-01-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

The servicer will not allow me to short sale my home because the recent winning bid cancelled do to poor due diligence and realized they had offered too high. This is no fault of my own. This was the first auction that had the more realistic minimum bid at {$610000.00} and sold for {$750000.00} but the buyer saw the condition of the home ( after winning the bid ) and immediately cancelled due to the condition of the home. The previous auctions were for {$860000.00} as opening bids and received no bids. 

The servicer asked me to submit any offers and I did send the accepted offer ( there were many offers between $ XXXX- {$64000.00} at previous times. The accepted offer was at {$610000.00} and that buyer can still buy it but the servicer wo n't allow the sale unless by auction. 

I just want to sell it to avoid foreclosure and we have an accepted offer outside of the bidders from the recent auctions but none will pay higher than {$640000.00} due to the condition of the home. 

Normally sellers can accept and offer and present it to the banks for a short sale approval but to date there have been many mistakes by buyers and the bank ( none from the seller ) that have prevented the short sale to close. 

If the auction is done again or use the existing offer then a short sale can be accomplished and foreclosure can be prevented. 

I only want to do what is best for everyone but it has to be done correctly. Please contact my servicer and have them allow the short sale. 

Thank you auctions had been done in the recent past to obtain potential offers but the asking prices have been way beyond what the property is worth so there have been no offers at what the servicer has asked as the opening bids. The most recent auction started with realistic minimum bid
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

I've been grappling with Equifax for well over a year concerning my XXXX XXXX dispute, and it feels like I'm stuck in a never-ending cycle. Despite providing Equifax with numerous documents confirming my survivorship status, they continue to reject them, even though these documents meet the criteria under the debt bondage act. Other credit agencies like XXXX and XXXX have a

ccepted these documents without issue. Equifax, however, seems to have its own set of rules when it comes to verifying certain documents, which adds to the frustration. Each time I have to engage in this dispute process with Equifax, it dredges up painful memories that I'd rather not relive. It's traumatizing, embarrassing, and deeply hurtful to constantly revisit these experiences. Equifax treats this dispute like any other, despite the
sensitive nature of the situation. Whenever I call, hoping to speak to someone who can help, I'm informed that the department handling these disputes is outsourced to a legal team. This outsourcing not only complicates the process but also raises questions about Equifax 's commitment to assisting victims of XXXX. 

I've exhausted every option available to me and my caseworker to resolve this, but Equifax seems uninterested in cooperating. The emotional toll of constantly having to prove my XXXX  is immense. Equifax 's lack of transparency regarding their document review process adds to the frustration. Why do other credit agencies accept the same documents that Equifax rejects? It's a question that remains unanswered, as Equifax 's customer service offers nothing more than scripted responses that do little to address the issue at hand.

In essence, navigating this ordeal with Equifax has been a distressing experience. The company 's reluctance to accept valid documentation and their opaque dispute process only compound the challenges faced by XXXX XXXX XXXX like mysel
f.