davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

Chase offered XXXX XXXX points if we would acquire a mortgage through them. The loan officer told us we had to continually pull our credit through the closing process to retain all benefits related to the mortgage. Before closing, we verified the fulfillment of the term. Chase advised me that their teams weren't familiar and gave me misleading information and will refuse to honor the offer for the credit card rewards. 

Chase employees deceived me and misled me and refuse to honor their promise.
Consumer complaint received 2021-04-05
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: R & B Corporation of Virginia (VA)

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX  regarding an account being reported by CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX ) XXXX The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX & XXXX deleted it from my credit report but XXXX failed respond to any of my complaints, ignored my request and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report and until this day the information is still being reported inaccurate and false information is being reported.
Consumer complaint received 2021-04-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand this account to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I am trying to have PMI removed from my mortgage. I have done substantial upgrades to my home ( more than {$80000.00} ). This includes a full new kitchen, updated bathrooms, new flooring, new electrical, etc. I've been told by them : * These didn't qualify ( even though they initially accepted them ) * That they wouldn't honor my original loan documents * They have already taken money to assess the property, now they won't assess and won't refund my payment.
Consumer complaint received 2021-04-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I pulled my credit report and noticed that the spelling of my name is incorrect and there is incorrect/fraudulent information as well. Additionally, there is a credit union that has been sending me a statement every month, also with the incorrect spelling of my name, that shows I owe an outstanding loan with a balance of XXXX. However, on my report it shows that the account is closed and has been charged off as bad debt, profit loss write-off. The credit union 's information is not only incorrect but they themselves are also being deceiving and displaying abusive debt collection practices. I sent letters to all 3 credit bureaus and only one responded, stating that the information was verified and correct. In that letter the credit bureau also used the wrong spelling of my name! This is why they should be willing to absolutely verify and certifi-cate all information, show absolute proof and also provide the verification process that was used. You can seek a minimum of XXXX $ in damages per violation for : Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-10-31
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX and Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Consumer complaint received 2021-04-05
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. (TX)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : 06 XXXX  ) XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX  ( Original Creditor : 01 XXXX XXXX XXXX  AND XXXX XXXX  ) XXXX  ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This CAPITAL ONE XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided.

CAPITAL ONE XXXX
Consumer complaint received 2022-10-31
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. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

As of earlier today on XX/XX/21, I went to my appointment early, and was seen almost an hour after my appointment time, only to learn that my account was wrongfully closed without reason, while I had pending direct deposits. They refused to help me, they would not let me get the remaining balance of my paycheck. I was told to wait and was not given a specific time frame on when I can receive my payment in the form of a check. I am XXXX and recently moved to a new state. My family and I have barely gotten completely settled in. I made updates online to my account, because I did not have the chance to update everything in person. It was literally a emergency move. My rent was due on the XXXX, and now, Late paying my rent, electric and water, as well as other essential bills for my household. A representative explained to me that a temporary lock was on the account until I can verify who I am in person, to notify them of my recent changes. I was told twice by customer service and again to client protection services. Client protection services assured me that nothing had gone wrong with my account, no red flags, no fraudulent activities, and that they only wanted me to verify my identity in person, to lift temporary lock off of my account. I was not told to make an appointment the first time. I was only told after walking in prior to this afternoon.I did everything as advised to do, and found out almost an hour after arriving that they closed my account. They had the call on speaker. This was embarrassing and I did nothing wrong to deserve this. One of the women said something to another woman that was assisting me with my account, saying oh its one of those cases. I sat shocked and in disbelief of what was happening, as tears of anger, feeling drained filled my eyes. Even when I can get this resolved, I never again wish to bank with this branch again. This was a horrible repulsive experience. I was not given a fair chance and I feel I was prejudged.
Consumer complaint received 2024-03-16
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. (MD)

I have contacted this credit bureau to delete any and all items on my consumer report that I the consumer had no knowledge of or consented to..said company are not performing there duties and all adverse on derogatory marks that I the consumer may have had because I did not consent to any companies accessing my credit report .. and also remove all non mailable address except my current
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been trying to contact this company " XXXX XXXX  - closed loans '' with no success. During the pandemic COVID-19, I let them know about my payment situation and they informed me that I was protected by the Care ACT and several months later I noticed that XXXX XXXX reported 2 late payments of 30 days on my credit report no matter they told me that was covered. 

The following months are in XX/XX/XXXX / XX/XX/XXXX. 

In addition I opened a dispute and they " XXXX XXXXXXXX XXXX XXXX '' won't make the proper changes. 

Also, this load has been paid un full on XXXX XXXX.
Consumer complaint received 2021-04-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

I received a letter from NewRez that my interest rate was going up. I received the letter about two years ago. The letter stated that my interest rate was changing from 3 % - 6 % to 4 % -9 %. I have contacted the company several times and was given the excuse of not knowing what my interest rate and that was the rate they were using for the loan. I have lost the letter they sent me for the change. I have tried to get a copy of the letter. They always tell me the letter is on the way but I have never received it. 

This company must have had some problems because they have changed names several time. My original loan was with XXXX XXXX. They sold the loan to Green Tree that became Ditech that became New Rez. When they purchase the loan the rate was 2.25 %. When XXXX XXXX wrote the loan the rates were dropping and the best way for me to get the lowest rate was to write it up with a variable rate with a 6 % cap. Every since Ditech / New Rez acquired the loan the rate has gone up. They have collected interest money outside the parameter of the contract.
Consumer complaint received 2021-04-06
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. (CA)

1 ) XXXX  2 ) XXXX  3 ) Equifax All three of the above named entities have incorrect information on my credit report, either matters wrongly attributed to me or records which are validly mine but contain false information and no matter how many complaints I file ( with either the Credit Bureau or the Creditor ) it never goes off my report. I need this addressed and the situation redressed and rectified immediately, as it is impacting my quality of life severely and violating my constitutional rights. 

Please call me at XXXX XXXX XXXX to discuss remedies and mitigation. 

Kind regards, XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: VW Credit, Inc (TX)

I would like to file a complaint regarding my car lease with Audi Financial Services, which is based on the following terms : On XX/XX/2023, Audi XXXX XXXX made a payment of {$55000.00} and some dollars to Audi Financial Services on my behalf to end my lease as they were taking early possession of the leased vehicle. Audi Financial Services subsequently sent me emails confirming that my account was settled in full. Additionally, on XX/XX/2023 XXXX XXXX mailed me a final statement of accounts confirming that no amount was due ( no excess wear coverage either ) on the lease and reported the account as closed to all credit agencies. 

It is important to note that Audi XXXX XXXX took possession of the leased vehicle on XX/XX/2023, and it has remained in their possession since then. Despite this, today, I have found out that Audi Financial Services re-instated my terminated lease without my authorization and I now are attempting to charge me again a monthly amount of {$1100.00}. When I contacted Audi Financial Services, they informed me that on XX/XX/XXXX, Audi XXXX XXXX called to withdraw the check and stated that the car was in my possession when, in reality, the car has been in their possession since XX/XX/2023 ( I have videos to support this ). 

Audi Financial should fine methods to request the owned money from Audi XXXX XXXX, and not me. 

I want this situation to be investigated, and the incorrect charge on my lease account to be corrected back to closed and with a XXXX balance, as Audi Financial Services can not open a new lease without my authorization as the original lease was terminated and closed as paid. This situation is highly concerning and requires an immediate resolution. 

I hope that the CFPB can take action to resolve this issue. I appreciate your attention to this matter and your assistance in resolving this situation. 

Vehicle info. XXXX XXXX XXXX XXXX. 
XXXX account number : XXXX Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-04-06
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. (CA)

1 ) Transunion 2 ) XXXX  3 ) XXXX  All three of the above named entities have incorrect information on my credit report, either matters wrongly attributed to me or records which are validly mine but contain false information and no matter how many complaints I file ( with either the Credit Bureau or the Creditor ) it never goes off my report. I need this addressed and the situation redressed and rectified immediately, as it is impacting my quality of life severely and violating my constitutional rights. 

Please call me at XXXX XXXX XXXX to discuss remedies and mitigation. 

Kind regards, XXXX XXXX XXXX
Consumer complaint received 2021-04-05
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. (GA)

I've reported the inaccuracies of a XXXX account reporting on my credit report for months. However, Experian continues reporting the information. I have not been provided with any accurate proof of ownership from Experian or XXXX about this account. Experian sends letters with claims of contacting the creditor and having the account validated by them however I have not been sent any proof of that. XXXX continues assertion that the account is valid and have provided no proof with my signature for these claims. I continue to assert that this is a fraudulent account.