davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-09
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Long & Foster Financial Services, Inc. (AZ)

XX/XX/2023 : Re- Prosperity Home Mortgage , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX Office : XXXX Mobile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX 

I asked for a soft pull pre-qual letter, they demanded I fill out a credit application. 
After which, they did a hard pull against my wishes, did not send a pre-qual letter. 

The property I was interested when into contract in the mean time ( broker/agent were super slow ). 
So I found a new real estate agent in the mean time ( prior agent was also a scam/ghost artist and referred me to Prosperity ), he wanted to see the pre-qual letter and loan approval contract details, lots of details, he was skeptical. 
Prosperity Mortgage sent him a pre-qual letter and a flimsy cover letter on company letter head. No loan docs, no terms, no nothing. 

Then, Prosperity stopped taking my calls. They would also not return my emails. I went to other lenders to have them look at my situation and showed them the two pieces of paper I got from them. They all laughed and said no way did I qualify for a mortgage of any type, my DTI was WAY too high, that I got scammed, and the loan app would have bounced at time of closing. They all said Prosperity has a habit of doing this and ghosting clients. 

I did more research and found same was true. See the link. 

XXXX XXXX XXXX XXXX XXXX XXXX I've made dozens of attempts to contact them. No reply. It as if the company does not exist. This company is obviously a scam doing bait-n-switch. 

I simply want my credit restored and the hard pulled removed. That's all I asked. They refused to even get back to me, they just ignored me. Now my credit is dinged, I can not get a home loan, No one wants to help.
Consumer complaint received 2023-09-07
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX  IDENTITY THEFT XXXX XXXX XXXX XXXX  -- IDENTITY THEFT XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I paid my account off in XXXX and after the XXXX XXXXXXXX XXXX XXXX XXXX XXXX charged me {$22.00}. They did not contact me to let me know and then subsequently reported me delinquent to the credit bureaus.
Consumer complaint received 2023-04-17
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)

XXXX, XXXX, and Experian continue to furnish information that is inaccurate and incomplete. I reached out to these companies. Submitted a dispute, even filed a lawsuit. My reports are still inaccurate. The Payment history, along with date of first delinquency, and some of these accounts have been deleted on one credit agency but remain on others. Theyre violating 1681e ( b ), along with failing to respond. Another violation.
Consumer complaint received 2023-12-09
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I WANT TO GET ME AND MY CHILD A PLACE TO STAY AND I REALIZED THAT I HAVE DAMAGES ON MY CREDIT REPORT AND ACCORDING TO THE 15 U.S.C 1681 LAW THERE SHOULD NOT BE ANY FDAMAGES ON MY CREDIT REPORT THAT IS A DEFIMATION TO MY CHARACTER
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have received two documents from your office. One is prepared on XX/XX/year> and one on XX/XX/year> ( conf. # XXXX ). 
The one prepared on XX/XX/year> tells the matter of following thing : We are in receipt of correspondence regarding your credit file from a family member or another individual. To maintain the security of your credit information, it is our policy and legal obligation to release that information only to you unless another individual provides a notarized Power of Attorney. 
From my observation, my family, XXXX XXXX and XXXX XXXX, who reseide with same address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX, seem not to feel the necessity to ask the credit report behalf of me. As far as remember the previous correspondences with many credit report companies, sometimes, the people ask the credit report to prove the death. Since I live with them, I can not understand why they need to ask it. Anyway, after receiving who have requested the report, I want to ask them why they have felt the necessity to request to your branch. If the requested person is different from above-mentioned names, I need to report for the authorized institutions, organizations, and parties ; therefore, I request to your office and company to provide the name ( s ) of suspicious persons/party. And I believe this is the right based on the international law for the safety of person/human beings ( XXXX and XXXX ) XXXX I seriously believe your office have not received any notarized document prepared by Power of Attorney of some state.
Consumer complaint received 2020-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (GA)

See attached documents. 
The XXXX  XXXX XXXX authorized payment through XXXX XXXX XXXX XXXX for a XXXX XXXX at the XXXX XXXX  XXXX XXXX XXXX ( XXXX ) and follow-up with XXXX XXXX XXXX 's office, Authorization # XXXX.The XXXX XXXX  was done on XX/XX/XXXX. 

I received a bill from XXXX dated XX/XX/XXXX indicating that they had charged my XXXX XXXX XXXX, XXXX and expected a {$95.00} copayment from me. I called XXXX and spoke with XXXX on XX/XX/XXXX and explained their error. She instructed me to send my information to : ATTN : Ins. Dept. XXXX XXXX XXXX, XXXX, TN XXXX and they would refund the payment to my insurer and process the billing to the XXXX XXXX XXXX where there is no balance billing. 

I received another bill dated XX/XX/XXXX and this time mailed it back to : XXXX XXXX XXXX XXXX, XXXX, GA XXXX with the VA authorization # and explanation. 

I received a third bill dated XX/XX/XXXX and called on XX/XX/XXXX at XXXX XXXX and spoke with XXXX in payments. He told me they had all of the necessary info to bill the VA, which should have already been done and that I would receive no further notices. 

I received another bill dated XX/XX/XXXX and called again on XX/XX/XXXX at XXXX XXXX and was transferred to XXXX in the escalations Dept. She said that she notified Billing and will also notify Collections and the matter would be taken care of. 

I then received a collections notice from PARAGON and called them on XX/XX/XXXX at XXXX XXXX  to explain what the situation was. The man on the phone was exceedingly rude and did not want to hear anything I had to say. 

I then took copies of all that I will also attach here for you to the XXXX hospital administrator 's office where the administrator 's assistant told me she would forward them on to the appropriate office where the problem would be taken care of. 

On XX/XX/XXXX at XXXX XXXX  I again called PARAGON to see if my case had been resolved and a very polite lady told me it had not been. 

I am now writing your agency to see if you can get the XXXX  to finally resolve this situation and remove me from collections which has since dinged me with the credit bureaus for an unpaid debt.
Consumer complaint received 2018-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (DC)

I switched to another phone company and was told that I had been billed and paid all from XXXX XXXX. Then a few months later I received a letter from them saying I owed XXXX dollars on the closed account.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I disputed the amount charged from XXXX on my credit report. The amount was paid in full on the XXXX  website. I sent a screenshot of my bank account statement showing it being paid to Experian and Experian denied it and will not update my report. I need help. I am tired of these credit reporting agencies getting it wrong. Where are my right?
Consumer complaint received 2023-04-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-04
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. (MD)

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 XXXXXXXX {$400.00} XXXX XXXX XXXX XXXX {$120.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXXXXXX {$260.00} XXXX XXXXXXXX, XXXX {$840.00}, 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 2023-07-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX debuted a new program financing classic automobiles through dealerships that they would finance a vehicle dating back to XXXX. I financed XXXX vehicles through a local dealership. The first vehicle was purchased and financed in XX/XX/XXXX, loan XXXX, XXXX XXXX XXXX. The second loan, XXXX, was purchased in XX/XX/XXXX. It was a XXXX XXXX. I made payments until I received a call from the dealer ( and did a conference call with the XXXX XXXX ) that the loans would have to be paid because XXXX would be unable to get a lien for these vehicles because New York State does not issue titles for vehicles built prior to XXXX. XXXX had not done their due diligence because they were unaware of New York State law/guidlines as repect to titles. Subsequently, they changed their XXXX XXXX policy to accept only vehicles newer than a XXXX XXXX was paid first with a check from the dealer on my behalf XX/XX/XXXX ( copy enclosed ). The other loan was paid in full with a check dated XX/XX/XXXX. This normal payoff was received by XXXX via XXXX on XX/XX/XXXX but not posted until XXXX copy of the XXXX details is attached. 
The first paid loan ( XXXX ) was reported to the credit bureaus as Paid in full as agreed. Although the second loan was paid in full in XXXX the credit report still showed a open loan in XXXX and XXXX. On XX/XX/XXXX I applied for another loan through XXXX and was declined due to a repo or chargeoff. After being on hold for XXXX minutes, I was informed that it was an internal error and would be internal only and not reflect on the credit reports. I immediately contacted the dealer who contacted XXXX many times. Many people involved all state that it is an internal error and needs to be corrected but no one can correct it because NO ONE has access to change the computer. As a result, my credit report currently shows XXXX chargeoffs which NEVER existed and this whole issue is a direct result of negligence on the part of XXXX for failing to due their due diligence. I know the email chain involved higher management and as a result they did issue me an approval ( based on an exception ) with a ridiculous fee and rate which was based on credit based on XXXX chargeoffs ( which are theirs and are inaccurate ). Many calls to customer service result in saying that someone will get back to me ( and no one ever does ) and that it is above their grade to be able to assist. I know the dealer, who has been fully transparent, has been working on this non stop also to no avail. 
One more thing. The first loan that was paid, the XXXX, XXXX, which had been reported paid as agreed was changed to a chargeoff with the XXXX reporting. This was a willful vengeance act.
Consumer complaint received 2022-11-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On or about XX/XX/2022 I went to the Bank of America Branch in XXXX Florida requesting an account verification letter ( I need to provide to the financial company who has my IRA Account ) so that monthly deposits can be made into my Bank of America account. 

I was advised that the letter would take 7-10 business days. I did not receive a call, text, or email as I had requested when the paperwork was complete. I received in my email a case number dated XX/XX/2022 the letterhead 's date is XX/XX/2022. 

I called the number on the letter and gave the case number. The young lady on the phone said that she would send the letter over to the Bank of America location in XXXX Florida which is closest to me. Upon arrival a second time and speaking with the Manager and Financial Advisor I was informed that they had no idea of such a letter. 

Having worked in a financial business for several years I happen to know that there is a letter which includes the complete account number and the owner 's name as it appears in the bank account. 

Was this an effort to begin charging me fees because I would no longer have a direct deposit going into my account? Was this an effort to discriminate against me because of age? 

I know that the elderly are often taken advantage of but this should not be happening. I would like the letter that verifies that the account belongs to me as I requested initially.
Consumer complaint received 2024-05-12
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. (TX)

I have several mortgage accounts with XXXX XXXX including loan number XXXX for the property XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I have been paying the monthly mortgage for the past 3 years on time as shown in the attached document. This was a non-escrow account since I have been paying for the property tax and insurance myself. In XXXX, XXXXXXXX XXXX bought for me a very expensive insurance saying that I had a lapse in insurance from XX/XX/2023 to XX/XX/2023. I never had an insurance lapse and my insurance agent XXXX has been providing them with proof of coverage. It took XXXX emails and multiple phone calls to get XXXX XXXX to realize their mistake. They are sending me the check for overpaid money forcefully taken from me. They have realized their mistakes but they are not retracking the credit agency reporting despite multiple requests. 

I need help to discipline XXXX XXXX  's unethical and deceptive business practices and to fix the credit reporting issues they have created.
Consumer complaint received 2023-09-07
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: Prosper Marketplace, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2018-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Friday, XX/XX/XXXX my debit card was stolen at the gas station, which I was unaware about. {$2800.00} was withdrawn from my checking account in multiple transactions from several different ATMs during the following several days. Upon my notice of the missing card on Monday, XX/XX/XXXX, I called Bank of America, stopped my debit card and opened the claim number XXXX with regards of unauthorized transactions and missing funds. No temporary credit was issued to my account, although I was assured that the company would investigate my claim. Within several weeks I attempted to call and speak with multiple representatives, with the reassurance from some of them that I would definitely get my money back, in 10 days, in two days, on Friday. I never got ANY money back and on XX/XX/XXXX I received the letter which stated : Weve completed our review of this claim and have determined that no error has occurred. Based on this information, were unable to credit your account and now consider this disputed transaction closed. 
It seems, that there is no recourse left from my side with Bank of America to protect my consumer rights and get compensated for the funds lost.
Consumer complaint received 2018-04-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (TX)

I took out a short term payday loan with this company. I did not realize they had no recourse for early payoff and would make me pay a total of 20 payments in the amount of XXXX. I borrowed only {$650.00}. When my paydate came at an incovienent time, I tried to resolve it by asking for a 4 day extension of my payment. To this date I have make 5 payments of {$190.00}. I was told I could skip one payment but they did not tell me until it was too late and loan payment was being processed through my bank. The payment was returned and I had already explained that would be the case and I could not control it. So far I have paid over {$960.00}. I understand they need to make money, but the fees are exorbitant and present a hardship for me. It is my error, but I also have never encountered a situation where there was no reduction in payment for early payoff. I am happy to pay what I borrowed, but I don't think paying over {$3000.00} makes complete sense. At this point they are saying I still owe over {$2900.00}. I am not naive to payday loans, and its not always the best use of my money, but it was a circumstance that I needed to borrow the funds. Is there any recourse for this situation that can help to mitigate these high charges.
Consumer complaint received 2020-03-05
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. (AR)

I received a call from a student loan company about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$4400.00} XXXX/XXXX XXXX {$2000.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$280.00} XXXX XXXX {$510.00} XXXX/XXXX XXXX {$220.00}
Consumer complaint received 2020-03-05
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: Experian Information Solutions Inc. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.