davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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. (TX)

The company above reported a late payment for XXXX 2020. I have requested a history of payments for my review and have yet to receive it. I have disputed this inaccuracy with XXXX Transunion, XXXX, and XXXX with no success. 

According to FCRA laws, I have the right to ask for a fair investigation and have not received one and that is why I am submitting an formal complaint. I want the late payment from XX/XX/2020 to be removed from all three credit reports.
Consumer complaint received 2022-10-18
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. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2018-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lawyers Title of Cincinnati, Inc. (KY)

In this case this scenario involves both our Lender, XXXX XXXX   which we filed a complaint about separately and this complaint involves the other party, the closing agent on our mortgage Lawyers Title of Cincinnati Inc. 

The lender failed to make a good faith disclosure of the real estate taxes which would be part of our financial obligations in purchasing the property and repaying the loan. Properly create a new escrow account by failing to estimate disbursement amounts using reasonable judgment based on information reasonably available or known to it. The amount of real estate taxes which we, as purchasers and borrowers, would be obligated to pay upon closing was a readily known amount. The tax could have been easily determined at the time of the initial loan disclosure and certainly by the time of closing/settlement by a simple check of the public record by the settlement agent or the lender. The amount is determined by multiplying the sale price of the home ( which was known by Lender ) by the applicable tax rate, which is public record. Under Kentucky law and based upon information readily available in the public records of XXXX County, Kentucky, the real estate taxes which should have been disclosed to us totaled {$8500.00}, but the settlement agent and the lender reported the taxes as only {$4100.00}. They simply stated the taxes paid by the PRIOR owner, which under Kentucky tax law is not a justifiable, reasonable, or good faith statement of the taxes which we would be paying or in compliance with federal regulations [ Regulation X 1024.17 ( 7 ) and Regulation Z 1026.39 ( g ) ( 3 ) ] The Lender and the settlement agents negligence or failure to comply with federal regulations resulted in a drastic shortage in the escrow account and has caused us a great deal of financial hardship. Had we been informed by the initial disclosure of what the taxes would be and therefore the escrow amount, we could have shopped around more and perhaps found a lender with a lower rate or lower closing costs. 

The closing agent ( Lawyers Title of Cincinnati Inc. ) failed to accurately disclose the taxes that you would be paying and which would be used to calculate your escrow account
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Remex, Inc. (OK)

Remex, Inc sent me a letter saying I owed {$140.00} of debt to XXXX XXXX XXXX which i have never purchased from. I do not have credit, ive under paid a bill I dont understand how I couldve possible come into debt. I looked up Remex on XXXX and all of the reviews say the company is shady and trying to collect debt from fake bills with no evidence of debt.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ND)

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 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XX/XX/XXXXXXXX  I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
On XX/XX/XXXXXXXX   I wrote to you requesting an investigation into items that I believed were fraud, I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-04-26
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company (WA)

I am a veteran assuming another veteran 's VA loan. VA XXXX XXXX XXXX XXXX dated XX/XX/XXXX provides numerous amounts of information and requirement for VA loan assumption and associated mortgage processors. Included in this is the requirement to close these loan assumptions in XXXX calendar days. Circular Circular XXXX dated XX/XX/XXXX provides PENALTIES to these companies for failing to comply with the XXXX calendar days, including removing VA guaranty on loans and civil penalties. This is also codified under 38 C.F.R. 36.4303 ( l ) ( 1 ) ( i ). 

Our seller provided an authorization on XX/XX/XXXX. We've been told by several individuals the authorization to assume was on file, and numerous others have said there is no authorization on file. Eventually we got ahold of someone in the assumption department. This department has no direct number. No direct abilities to contact. Most the regular customer service representatives don't even know how to contact this department if i had not already secured the extension number. 

Eventually we were able to get ahold of someone in this department. We scheduled an " intake '' appointment on XX/XX/XXXX that would not take place until XX/XX/XXXX. From this date, closing MAY NOT be for AT LEAST XXXX calendar days. One representative told us to not expect the loan to close for at least XXXX calendar days. 

After the intake appointment on XX/XX/XXXX, we have to wait XXXX business days for some random e-mail with an upload link to provide documents. You think a streamlined company would provide this e-mail link immediately once the assumption form was received so those documents would be submitted before XXXX on XXXX call with a loan XXXX on XX/XX/XXXX. NOPE, not with Freedom Mortgage. 

We've had several calls from representatives saying " call us back ''. We call them back, and they have no idea why they called us. We've asked about the VA loan circular, and they have no idea about it nor do they know how to comply with it. Numerous reps cant find an authorization to speak to us, cant find the loan assumption form. 

Its very obvious Freedom Mortgage wants people to apply for new mortgages, and they drag their feet. Loan assumption fees are capped by the VA at {$300.00} instead of the multiple XXXX of dollars they make from a new mortgage loan. Our assumed loan is also very low interest compared to current rates which is also affecting their balance sheet. 

Since I am a veteran, assuming another veteran 's loan, my next e-mail is to the VA XXXX XXXX XXXX XXXX per the VA XXXX on VA XXXX XXXX assumptions.
Consumer complaint received 2023-07-15
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX , XXXX XXXX XXXX XXXX, GA XXXX , XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX Balance : - , XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX Inquired on XX/XX/XXXX , XXXX Inquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX , XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-09-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC (VA)

I took out a series of high-interest internet loans with OppLoans, assuming since I was able to get them they were legal. I recently discovered that the loans are not legal in my state per the Virginia Fairness in Lending Act of XX/XX/2020. This loan violates the law due to : - a lack of company licensing in Virginia ( neither they nor their stated access partner, XXXX XXXX XXXX, is licensed )- an excessive loan amount ( XXXX XXXXXXXX the maximum allowed per law is {$2500.00} ) - excessive interest rate ( 160.87 % ; maximum allowed by law is 36 % ) The Fairness in Lending Act also states that any loan made in violation of the law is void. " Any loan made in violation of this section is void, and no person shall have the right to collect, receive, or retain any principal, interest, fees, or other charges in connection with the loan. '' I want the loans removed from my credit history since they were illegal. https : XXXX? XXXX XXXX : I took out a loan XX/XX/XXXX under the terms above. 
I took out another loan to pay that one off XX/XX/XXXX, also under the same terms. 
More loans taken out, each paying off the previous and having the same terms : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On XX/XX/XXXX, I reached out and asked for assistance with the overwhelming interest rate. No one responded. 
In XX/XX/XXXX, I discovered the Fairness in Lending Act ofXX/XX/2020, which made the loans all illegal and unenforceable. I called OppLoans to inform them, but they did not agree to help me. 
On XX/XX/XXXX, I sent them a " cease and desist '' letter. 
The responded on XX/XX/XXXX, but again disagreed. 
On XX/XX/XXXX, I filed a XXXX complaint. They responded, unwilling to help, on XXXX XXXX and again on the XXXX. Today, XX/XX/XXXX, I am filing complaints with the FTC and CFPB. I plan to follow up with my state 's Attorney General next week.
Consumer complaint received 2023-11-10
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. (NY)

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 2022-10-18
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. (MD)

My name 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 2023-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

XXXX, XXXX, and XXXX are still reporting an old collection from Jefferson Capital Systems on behalf of XXXX XXXX for the XXXX XXXX  {$2400.00} that I disputed the validity and never received proper verifcation with the original contract or even a notification that the debt was verified. 

I had just become aware that this debt was still on my credit profiles when applying for a mortgage. Please see attached for a copy of a credit report that I have received from my mortgage lender showing that the Jefferson Capital Systems on behalf of XXXX XXXX account has acknowledged that this debt was disputed, but I never received any official proof that it was validated or any resolution. 

This debt is being unfairly reported and is hurting my chances of being approved for a mortgage right now and I am expected to close on the house on XX/XX/2023. Please help get this Jefferson Capital Systems account rightfully removed from my credit profile on all three major bureaus. 

Thank you and I sincerely look forward to your response. 

XXXX XXXX XXXX  Account Name : Jefferson Capital Systems ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (IL)

This is what happen when I pulled out my credit report I was totally surprise when I saw this MERCHANTS CREDIT GUIDE that has a balance of {$90.00} XXXX XXXX XXXX cause I did not own this account, this is inaccurate and they're only supposed to report accurate information. I was really suffer from this mistake and inaccurate information. THIS ACCOUNT IS NOT BELONG TO ME and this is a totally FRAUD.
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Avant Holding Company, Inc. (FL)

I put in a pre approval for a Avant card they asks for documentation I send it to them. Then I received a call from a customer service representative asking me questions then the representative told me congratulations I was approved I then asked how much is the credit limit he told me {$300.00} I said sir if I cant get a higher limit I dont want the card. He then told me that I cant get a higher limit. I said ok no problem I NO LONGER WANTS THIS CARD BECAUSE I AM TRYING TO BUILD MY CREDIT AND A {$300.00} LIMIT WONT HELP! So please dont open the account he said no problem I will just disregard the application! They mailed me a card and I put in it in the trash! On Sunday XX/XX/XXXX this account showed up on my credit with a {$75.00} balance. I called Avant on Monday and ask them why was this on my report after I told them not to open this account and I need it to be removed ASAP and ask to speak to a XXXX I was denied to speak to a XXXX XXXX twice.
Consumer complaint received 2024-03-08
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. (NC)

After numerous attempts through the years I've requested that Experian, XXXX and XXXX remove these fraudulent names and addresses from my credit report and they refuse to remove, I've been a victim of fraudulent activity on my credit report.
Consumer complaint received 2023-06-08
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: SinglePoint GI (FL)

This collection is not accurate and can not be validated AND Im seeking litgation! Since I studied my rights and found out that under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (LA)

On XX/XX/2022 I purchase a XXXX XXXXXXXX XXXX  from XXXX. When I tried calling XXXX to dispute the charges. XXXX stated they couldn't verify the charges. I called Vanilla at XXXX and spoke to XXXX XXXX he stated that it would take 45 days for them to investigate the dispute. Vanillagift.com stole my {$100.00} and refused to give it to me. I filed a dispute with them case number # XXXX. They are selling used gift cards.
Consumer complaint received 2022-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the fair credit reporting act ( XXXX  XXXX accounts ; XXXX, XXXX, XXXX XXXX account XXXX in XXXX, XXXX XXXX XXXX XXXX acct 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 has violated my rights. 
15 U.S.C 1681 section 602A. state i have the rights to privacy.

15 U.S.C 1681 section 604A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-05
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: WELLS FARGO & COMPANY (CA)

My credit report is showing late payments to XXXXWF XXXX XXXX, WF XXXX XXXX, WF XXXX XXXX, and WF XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO 's customer service representative.
Consumer complaint received 2024-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc. (MO)

On XXXX XX/XX/XXXX, the XXXX Department, Revenue Division of the City of Kansas XXXX, Missouri ( XXXX ) notified me by mail that they are attempting to collect a city earnings tax. The FD-KCMO notice claimed that I owed a XXXX " profits '' tax of {$660.00}, including penalty and interest ; the notice, however, contained absolutely no documen- tation, computations or any evidence to support its claim. By letter dated XXXX XX/XX/XXXX, I informed the FD-KCMO that my only XXXX income was from Military Retired Pay ( {$37000.00} ), Social Security XXXX XXXX {$16000.00} ) and interest ( {$340.00} ). These same amounts were listed on my federal and state income tax returns. The XXXX 's XXXX website clearly states : " Retirees whose income is from Social Security XXXX XXXX, retirement accounts and other non-earned income sources do not pay the e-tax. '' Notwithstanding my reply to the FD-KCMO, it then submitted my alleged debt to a local collection agency. I then made a written demand to the collection agency to provide validation of the debt pursuant to the FDCPA. In my letter, I demanded " copies of all documents and/or computations '' that purport to support the claim of profits taxes. I also put the collection agency on notice that the XXXX 's XXXX recitation of the claimed debt would not suffice. Nonetheless, the collection agency 's " validation '' of the alleged debt merely repeated the FD-KCMO 's XXXX of profits taxes, and included no supporting evidence whatsoever. The collection agency then informed me that, having provided the required " validation, '' they will resume collection activity. 

In short, the FD-KCMO is making a bad-faith attempt to collect a fraudulent debt. It continues to refuse to provide any evidence to support its claim for XXXX profits taxes.