davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mortgage Research Center, LLC (IN)

I purchased a home using Veterans United Home Loans, short time after I was put on various military orders, I turned in copies of the orders for SCRA protection, the government shut down and I was not paid in a timely manner, so I requested Hardship assistance. I turned in the documentation and they would send me a letter saying it would take 30 days to make a determination, at day XXXX they would say that my documentation I provided was not current and I would have to turn the documentation in again with up-to-date documents. I did this 4 times, during that time I was not serving in the state in which I reside and purchased my home. I submitted a copy of my marriage certificate, a copy of the Power of Attorney for my then husband to make payments on my behalf. They refused to allow him to make payments on my behalf. This made the payments further behind as I was XXXX difference in time. When I returned state-side I tried to make numerous payments, but they said that it had entered pre-foreclosure and that I would have to pay the amount in full and they would not accept partial payments. I sent the payments certified by my bank. They would then mail me a check back for each and every payment I made. I did a short sale on this property for XXXX when the balance that was owed was XXXX. The mortgage was sold to XXXX XXXX XXXX during this time, and they charged property preservation fees, property inspection fees, XXXX XXXX fees totaling, XXXX per diem interest all of which totaled a little over XXXX. When they put the property into foreclosure is when I found out that there was a medical debt lien on the property and included XXXX XXXX XXXX on the foreclosure paperwork. When I closed on the property, I was given a check for XXXX dollars as well as a XXXX saying that some of the debt was forgiven, but I believe that this company not only violated my SCRA rights, but illegally started foreclosure, added illegal erroneous fees to make a profit, and used a debt collection attorney and lied to the court in which they filed the documentation. They stated they used the courts system to check if I was military, but yet both XXXX XXXX and XXXX XXXX, were well aware of my XXXX XXXX by me informing them with my orders to XXXX XXXX status.
Consumer complaint received 2020-04-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Fair Collections and Out hired by XXXX XXXX reported we broke our 3 month lease this is false information. We were forced to settle because we can not get a home with this information on credit. The lease was a three month lease and 30 days notice was given as requested by apartment manager I believe they falsified documents changing it to 60 days notice. We paid XXXX extra a month for a three month lease with exact move out given at time of lease signing. All three credit bureaus did not review entire case as the apartment did not report accurately. The apartment never gave us a damages move in checklist this is illegal under Kentucky Tenant Landlord Act The apartment was deplorable
Consumer complaint received 2023-01-06
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. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX, AZ XXXX 9. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 11. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account.
Consumer complaint received 2022-11-05
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. (CA)

I have had to freeze my account with XXXX on XXXX occasions in which I never unfroze my account Now it is reporting hard inquiries that were removed I never unfroze my account
Consumer complaint received 2023-01-06
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. (NY)

My name is 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 2020-04-14
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. (NJ)

To Whom it may concern ; Ive been working to have accurate information displayed on my credit report, I have been doing so with the following collections agency XXXX, Equifax and XXXX. In this letter, I will submit proof of numerous violations on many accounts regarding all three consumer reporting agencies, they have mischaracterized accounts, not provided legal verifications with signatures and in some cases have not met the legal burden of proof for authentic investigations, They unwilling to produce evidence of legal verification as the accounts reflect the last time an attempted verification was attempted. In some cases, they have just matched information on accounts without going through the legal verification process. They are unwilling to do proper investigations and continue to display inaccurate information despite my numerous requests to have the legal requirements met which warrants these accounts removed. Below are the sections of the FCRA they refuse to comply with adding numerous subsequent legal violations in addition to the ones they have already violated which instigated the original disputes. It is my right to have accurate information displayed and as of the day of this letter, all three consumer reporting agencies stand in violation. 

1.Void of legal verification Pursuant to FCRA sections, 609 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 1 ) ( A ) 2.Providing a consumer contract with a signature which is a violation of 611 ( a ) ( 1 ) ( A ) 3.Negligent noncompliance which is a violation of 617 Please find the attached  letters Ive written and submitted to all three consumer reporting agencies. I have also provided a detailed list of the violations listed on the respected accounts by the agency. And I will also provide not only the copies of the letters but registered mail receipts to substantiate my inquest. I have for the third time disputed these errors to no avail, I am now requesting intervention by the Consumer Financial Protection Bureau. Please find the attached proof supporting my disputes and inquiry.
Consumer complaint received 2023-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/2023, frustrated w/my bank and their recent policy changes, I decided to change banks. I went online to Bank of America and proceeded to open a new checking and savings account ( approval e-mail from them attached ). I opted to fund each opening deposit via ACH transfer ( an option offered ) and provided the routing and account numbers of my current account for them to initiate an ACH transaction to fund the new accounts. As expected, they processed Monday and cleared my account Tuesday night, posting Wednesday, XX/XX/XXXX, as shown on the attached. 

On Saturday, the XXXX, I logged on to " check on things '' and noticed they still had not credited my account. Even if there were to be a fund availability hold, on an ACH it should have been off by Saturday. So, I attempted to live chat them and discovered I couldn't do it from computer ( how nice, no way for me to have a transcript/record of what was said ). Left with no choice, I phoned them and got the usual... a few menu 's, the time-waster telling you can do things online ( this couldn't be done online ), etc., then the " longer than normal hold times 'but we can call you back ' ... '' They called back and might as well have not wasted my time... 

The first rep was completely clueless, so I asked for a Supervisor. After a lengthy hold, I was connected with " XXXX. '' This was also a was of time... XXXX first tried to tell me I must've entered a number ( routing or account ) incorrectly. Wait, wrong, it's pretty obvious I entered them correctly as they were deducted from my external account ... in the end, I was told by XXXX that I would need to contact my OLD bank to have them trace it. HOW on earth would my old bank know what Bank of America did internally with the money? My old bank did their part, they paid the ACH which BofA sent thru, but they would have no clue what BofA did with the offsetting entry internally ( that should have credited my account ). 

I attempted to give them one more opportunity by wasting of my time today to call them. I did, and it was again a total waste of time. Today the supervisor ( yes, same today, rep then supvr ) tried to tell me ACH 's can take 3-5 days ... Yes, that might be true ( tho really, in this day & age ), but OK, I should STILL see it in my balance ( Ledger balance ), just not available balance... it's NOWHERE and NOBODY seems to know where it went! 

I just want these accounts CLOSED ( with no early closing fees due to their ineptness ), and the money sent back to my old ( tho now again current ) bank account and I'm DONE with BofA.
Consumer complaint received 2020-06-13
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched Tracking XXXX Proof Delivery to XXXX  XXXX XX/XX/XXXX. See attatched XX/XX/XXXX Letter from me to XXXX Requesting VERIFICATION OF USAA & XXXX  ACCOUNTS. MAIL FRAUD Criminal Investigation USPS DELIVERIES NOT MADE XX/XX/XXXX. See attatched XXXX XX/XX/XXXX. See attatched XXXX Reports. See attatched FTC ID Theft case XXXX. My complaint is : Despite written requests the unverified original signatures of delivery into my hands and XXXX License & Signature VERIFED I Opened Accounts have not been provided. The Accounts still remain on my credit report in violation of Federal Law. XXXX is required under FCRA to have a copy the original creditors documentation on file to verify that this information is mine and correct. In the reports XXXX   stated " VERIFIED '' that these items were being " REPORTED CORRECTLY ''? Who verified these accounts? XXXX has Not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under SECTION 609 ( a  ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ) Furthermore XXXX failed to provide the method of verification required under SECTION 611 ( a ) ( 7 ) Under SECTION 611 ( 5 ) ( A ) of the FCRA REQUIRING XXXX to " ... ..... 
Promply DELETE all information which can not be verified ". *THE LAW IS VERY CLEAR THESE BANKS ARE REQUIRED TO BE (  ADA 2.1 COMPLIANT ACCESS TO ALL XXXX. ) I HAD NO ACCESS TO THESE ACCOUNTS. * The Law is very clear as Civil liability SECTION 616 AND 617. I DEMAND XXXX  VERIFY THE XXXX  & USAA ACCOUNTS WITH ORIGINAL DOCUMENTATION OR DELETE IMMEADIATELY. I have only recieved credit reports claiming these accounts are verified, I have the right to ask for the original signed contracts wit ID to truly verify my signature.
Consumer complaint received 2020-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$0.00} XXXX XXXX {$300.00} XXXX XXXX {$12000.00}
Consumer complaint received 2020-06-13
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cottonwood Financial Ltd. (TX)

On XX/XX/XXXX, I sent a letter to XX/XX/XXXX asking to validate the debt I allegory owe. However, they have failed to reply to my request. It has been 60 days.
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am having issues with the incompetency of the credit bureaus with my investigation and reinvestigation of my inaccurate information on my credit report. Not only have they failed to provide a proper investigation, but they have failed to provide the documentation to prove the method of verification and documentation used to " verify '' my accounts, as allowed to me under sections 1681 and 609 of the FCRA. Congressional opinion in many lawsuits, specifically XXXX vs. TransUnion, states that the law is verify clear in that once I notify the bureaus that I have inaccurate information on my credit report, they must investigate the accounts AND they have to verify the information received by the data furnishers. Once I notify them that the results are still not correct, they are in a different place than before and MUST reinvestigate and go beyond the original source of information. The effect these negative inaccuracies are having on my credit far outweigh any cost associated with investigating these accounts, and Congress states that I am in the right when I state that there must be a reinvestigation. Sending me a letter stating that no reinvestigation will be taken unless I provide further information from data furnishers, courts, etc. and that I must resolve the issue with the creditors myself is a clear violation under the FCRA. Stating that their organization is not a mediator, will not provide any documentation used to verify said documents or refusing to reinvestigate are further violations, as they bear a GRAVE RESPONSIBILITY to ascertain that these accounts and all other information on my credit report is accurate. They have failed to do so.
Consumer complaint received 2020-08-04
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)

The reason for my filing of this complaint is that this company is not adhering to consumer set laws. I have written to this company for a number of times including XXXX giving them all the details that they need to proof that I am a victim of identity theft. But until now they are still reporting these erroneous, fraudulent accounts on my credit report. 

I am attaching all the documents that i sent them that is 1. my dispute letter to them dated XXXX XXXX. My FTC report filed by FTC that same date. 

Please have it known that I am a victim of identity theft. My Personal information was compromised, I don't know how but as a result fraudulent accounts and Inquiries were opened on my behalf without my authorization. 

Fraudulent accounts : XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX J XXXX XXXX XXXX, Account # XXXX Untitled, Account # XXXX Fraudulent Inquiries : XXXX Date filed XX/XX/XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX   Date filed XX/XX/XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX/XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX Date filed XXXX Date filed XX/XX/XXXX XXXX/XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX Date filed XX/XX/XXXX
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I had filed Bankruptcy Chapter XXXX but the mortgage was not included on the bk. Last year when I received the discharge, I was checking on my credit and realized that my current mortgage was never reported. Last year, I called several times to ask about this with no answer. This year I started pressing more and called on XXXX and XX/XX/XXXX and both occasions received a letter indicating that under RESPA will be receiving a response within 30 business days but until today no response has been received. 

In addition I had applied for a loan modification extension but it was rejected because when my current mortgagholder pulled out my credit I do not have credit score with Experian as a result of them not reporting to my credit bureaus affecting to be able to obtain credit with other creditors.
Consumer complaint received 2024-03-24
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. (TX)

THIS BANK SAID THAT THE AGREEMENT THEY HAD WITH ME CAN HAVE {$1200.00} OVERDRAFT..CHANGED THEIR MIND.. '' WE ARE A PRIVATE BANK NO ONE HAS CONTROL OF US BUT US AND NOT EVEN THE FEDERAL GOVT CAN CONTROL US ... THIS PERSON IS IN CHARGE OF ALL ACCOUNTS SORRY SHE SAID, BUT WE DON'T CARE IF YOU ARE A XXXX VETERAN, BEEN WITH US SINCE XXXX ITS OVER FROM NOW ON WE WILL NOT HELP PAY YOUR BILLS ON TIME YOUR ON YOUR OWN..MY CREDIT IS SHOT WENT FROM XXXX TO XXXX IN LESS THAN A FEW MONTHS. THE OVERDRAFT WAS PAYING ALL MY EXTRA BILLS ON TIME... NOW CANT GET A CAR/TRUCK/ HOME MY REPUTATION OF PAYING ON TIME WENT AWAY ... NO VEHICLE NOW NOT MUCH OF A HOME 4 CREDIT CARDS OVER XXXX XXXX  IS UNPAID... THIS ALL HAPPENED XXXX XXXX I AM A XXXXXXXX XXXX XXXX  VETERAN TREATED LIKE A HOMELESS MAN OR STRANGER.
Consumer complaint received 2020-06-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (MD)

My car was totaled on XX/XX/XXXX I told my bank what had happened and they didnt care I had made all my payments on time until XXXX because I had wrecked my car fast forward to XX/XX/XXXX my Insurance paid them {$22000.00} but I was still waiting on the gap I sent all my information to gap back in XXXX I waited and nothing I called my bank Santander consumer USA to see what was going on they said call gap I call gap they say call the bank I get the bank and gap on a three way because gap said they didnt have information and the bank Said they didnt have information a month goes by I think everything is dealt wit come to find out the bank has not sent all the information they needed 5 months go bye back and fourth with Santander consumer USA and finally they sent what gap needed so in total {$23000.00} so now im ready to pay the account off right ... ... .nope because I get a letter saying I have {$330.00} in late fees {$740.00} in total so I call Santander consumer USA trying to get this figured out at the beginning of XXXX and I try to pay it and the machine says I owe {$1000.00} now how does it go from {$740.00} to {$1000.00} in less than a month keep in mind the buyout price for the car was {$24000.00} so in closing I believe there is just a gross misconduct of how SANTANDER CONSUMER USA has treated me as a customer and just as a human being not understanding there is a whole pandemic going on in America and not being understanding of that is just coldblooded very coldblooded please help me please and thank you XXXX XXXX XX/XX/XXXX Phone number XXXX