davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (KS)

I was on a forbearance plan and it ended in XXXX of 2021. We selected a XXXX XXXX agreement to take care of our mortgage. We received all the paperwork and submitted the paperwork to the mortgage company in XXXX. We were sent paperwork saying our first payment was being held because there was a discrepancy. I called several time to Us Bank and was told they would escalate the case and i would receive a call back. I never received anything until i would call back. This continued until XX/XX/XXXX when i spoke with XXXX XXXX. She informed me i didn't Qualify for the loan modification i was sent. Then she corrected herself to say Us Bank Accidentally Signed me up for a XXXX XXXX modification rate and they made a error. My payment should be {$860.00} and not {$900.00}. She informed me she would escalate this matter to her supervisor that would be required to call me back within 15 days. Once again no one called me back so i called back i believe on XXXX After 4 1/2 hours i was told it takes a while to get these to underwriters and corrected and i should call back on XXXX to see if it could be corrected. Same ol same ol. No one can figure out what it will take to correct this problem. on XXXX I spoke with a agent that had her manager XXXX return a call and he said That the loan has just been in limbo. He was sending it to I believe their CAD department.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a letter from Capital One informing they had closed my two credit card accounts, ending in XXXX and XXXX respectively because they claim I used inappropriate language with their associates. 

To set the record straight, I personally did not have any conversation or interaction with Capital One or their associates whatsoever. My former assistant called on my behalf to dispute a late fee that Capital One erroneously assessed to my account ending in XXXX. I was not present for the call or the conversation and am unaware of what was discussed. Additionally, since the assistant no longer works for me, I can not ask him for an explanation. Capital One did not elaborate, they just made the accusation and allowed me no opportunity to address it. 

In the meantime, Capital One closed two active accounts with balances. I have never missed a payment, made a late payment, or behaved in an untoward way to this company whatsoever. Capital Ones poor reputation is quite well known, ( and this outrageous action proves it ) but in spite of this, I was always a good customer. When Capital One closed my accounts without notice, they significantly damaged my credit rating. Therefore, since Capital One took this unwarranted action against a good, longtime customer and wont reverse their decision, it appears I have no choice but to pursue legal action to recover my financial losses resulting from damage Capital One inflicted on my credit rating through their actions.

I trust that Capital One will bring proof of their claim in the form of a voice recording to court. I have a rather distinct accent, so it will be clear to everyone I was not a pert of this alleged conversation or inappropriate language.
Consumer complaint received 2022-02-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-14
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (PA)

Since XX/XX/2022, the account has been disputed with Chase Bank multiple times. Chase refuses to delete the inaccurate trade-line from all three credit bureaus. The vehicle was sold at an auction for less than what it was worth. The company is trying to collect on a balance that was already paid when the car was sold at the auction.
Consumer complaint received 2022-02-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

Equifax send me a report of a Dispute item indicating that this account is accurate but they fail to send me VALID DOCUMENTATION between me and this collection agancy.. NO SIGNED CONTRACTS OR AGREEEMNTS .... NOTHING
Consumer complaint received 2022-02-12
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: All Reverse Mortgage, Inc. (NC)

Yesterday we were researching All Reverse Mortgage about Reverse Mortgage financing so we went online to the calculator ARLO to see what our property value is. Today I get an email from XXXX XXXX at All Reverse stating that they did not make loans in my state of North Carolina and referring me to another company. This is false information because they do make loans in North Carolina. When I responded to the email I asked XXXX XXXX why he lied to me about making loans in North Carolina? His response was " we do plenty of loans in North Carolina but because you have a XXXX XXXX  they could not make me a loan ''. This too is a lie because about two years ago they were going to make me a reverse Mortgage loan and payoff the XXXX XXXX we got all the way to scheduling the closing when we backed out because All Reverse wanted to take over {$50000.00} and hold it in escrow for what they told me at the time was property taxes, I explained to them that I pay my property taxes every year and there was no need to hold out that much money! They insisted that they had to hold out the money which would have given us basically nothing while owing them over {$100000.00} dollars, at that point we backed out of the loan. They told us to wait until the XXXX XXXX  was paid off and re-apply which is why we were checking into the property 's value now for a possible re application in the fall after the XXXX XXXX XXXXs paid off in XXXX of 2022, three months from now. The bottom line is that this lender is not reputable and should not be designated as a government endorsed lender, they are dishonest and corrupt and should have their credentials pulled, I'm sure we aren't the only ones that they have misled!
Consumer complaint received 2023-02-01
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. (TX)

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.

Att - Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

XXXX / XXXX - Account XXXX has violated my rights. 

XXXX XXXX XXXX. XXXX XXXX - XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-13
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX DOB XX/XX/1982, SS XXXX I was looking at my report and I noticed that XXXX of my accounts are not reporting to my credit file at all. I have a XXXX CARD, XXXX BANK, and XXXX CARD that are not updating or showing on my credit report, They are not showing on my XXXX XXXX, Experian or XXXX.
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

The USAA FEDERAL SAVINGS BANK, XXXX, XXXX, TX XXXX is EMBEZZLING money through access of my account. USAA is accessing an account that has been closed for over 2 years.The XXXX of XXXX, XXXX stated that no activity has taken place on this closed account. Who is able to access a closed account other than an EMBEZZLER? USAA stated that USAA can open a closed account to make deposits but not to withdraw. That 's a clear sign of POTENTIAL FRAUD. I have not authorized anyone to transfer any money from or to any other account. I do not know of any SUPPORT THE TROOP accounts. I have provided proof of this FRAUD & USAA still chooses to hold me responsible for an issue in which USAA has n't provided any authorized transaction on my behalf. I have been calling for the past XXXX days about this matter. No one can show from where & to the money was transferred. There is a clear case of FRAUD & EMBEZZLEMENT. PLEASE HELP ME WITH THIS MATTER.
Consumer complaint received 2023-06-12
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. ()

SEE ATTACHMENT FOR IDENTITY THFT REPORT. 

An unidentified account that is not mine was furnished to my consumer report on XX/XX/2023 and flagged for collection as of XX/XX/2023 in the amount {$9000.00}, by XXXX XXXX XXXX XXXXho also placed an address on my consumer report that is also not mine nor am I associated with. I reached out to the furnisher to make them aware of this error and mistake and request for it to be corrected by deletion as they were unable to verify my information with that on record. They refuse and sated I will have wait for an investigation to concluded as someone else already dispute it. I informed them I will be disputing the account also, to which I was to told I will be threatening them if I do, shortly after they disconnected the call.
Consumer complaint received 2022-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (NC)

XX/XX/XXXX I received an invoice for payment for XXXX XXXX apartment for {$3000.00}. After receiving I contacted the collector and sent off form explaining im not responsible and that this is the first time i was hearing about the debt. She informed me it was marked the same day i moved out the apartment. The complex went straight to creditors. I also informed the young lady that i want an investigation in the matter and willing to go to court. I have text messages with the complex through moving process. Which i started being harassed because I asked to get out my lease due to a roach issue and mildew smell that I believed was making me sick. Also my property was being damaged and tampered with. Feeling of stress and overwhelmed living there. I had to get cameras. Also went 1.5 without consistent hot water and air conditioning. 
I had two follow up phone calls with a young lady from agency that called. Explaining i sent in letter and also asked process. I had until XXXX to send back response and i sent it to them. Also informed them I didnt receive any communication from the complex. Also i was asked to moved so i should not be charged any additional fees. 
Once again i reached out to rent recovery solutions in Georgia asking about status because i am now seeing this on my credit report. On XX/XX/XXXX I contacted the agency again bounced around and sent to an XXXX and a XXXX XXXX. As of today I have still not heard from them. I was told that I didnt send in the correspondence and until then then cant do anything. I asked how could I receive another one. I was told I couldnt because its past the date. I have been in communication with the agency since receiving the first and only attempt. It should be illegal for a complex to lie, harass and collect fees when being asked to move.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (NC)

On or before XX/XX/2021 I entered into a consumer credit transaction by submitting an application with barclays for an extension of credit for my personal, family and household use in which they denied my right to credit and the account that they hold with that application is evidenced with the negative inquiry through transunion they furnished on my consumer report in which I did not give my consent or authorize them to do. Within that application I entered my name, address, phone number, email and my social security number and pursuant to 15 U.S.C. 1602 ( L ) is my credit card. I signed the application electronically which gave it value and I did not receive equal consideration for that asset I submitted to barclays. The constitution states that no personal/private information shall be taken for public use without just compensation. Barclays used my social security number which is my credit card pursuant to 15 U.S.C. 1602 ( L ) to establish an account in which I am the holder and beneficiary of and I received no benefit from the transaction. Congress clearly states that the transaction is " unauthorized use '' pursuant to 15 U.S.C. 1602 ( p ). Barclays is now criminally liable for willful and knowing violations pursuant to 15 U.S.C. 1611 and I will seek litigation for said violations if this issue is not rectified. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Silence is Acquiescence, Agreement and Dishonor.
Consumer complaint received 2022-02-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-12
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: CLGF Holdco 1, LLC (MI)

My account with CB INDIGO, account number is XXXX, should have no 30 days late on the month of XXXX to XX/XX/2021 because I have not received any forms of billing information or any notification that this account is due or something. This is not an error on my end. With that being said, sending written letters and a lot of attempts on reaching out to both Bureaus and Creditor were neglected. This should be corrected immediately.
Consumer complaint received 2022-02-14
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. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft. The inquiry listed should be removed for this is fraudulent. Inquiry : XXXX XX/XX/2021.
Consumer complaint received 2022-02-14
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. (VA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-13
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. (KY)

I have sent several disputes in the past to have account ( s ) reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but XXXX and Experian have not. The latest letter I sent to XXXX and Experian to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX nor Experian, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

Summary of Accounts being challenged in list form XXXX XXXX XXXX  - Account Number:XXXX  This is not mine. 

XXXX XXXX - have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my presume that no proof of the alleged debt nor therefore any such debt exists XXXX XXXX XXXX - Account Number:XXXX This is not mine.
Consumer complaint received 2022-02-14
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 (CA)

USAA had an account appear on my credit bureau as zero/closed on a fraud account. Then they sent in removal of such account to the 3 bureaus. Now 2 days ago they reversed this and placed this account back on my reports. Legally this account will have to be removed in 2 months + 2 days from today even if they dont get this resolved. I have tried to call them and get this taken care of but they keep passing me from department to department. So, even if I dispute this and that takes 30 days by the time the dispute comes back we are down to 30 days left before it has to be removed under the law. They are not playing fair, they are ruining my financial picture over a fraud account they know is fraud and was removed.