davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.
Consumer complaint received 2020-08-13
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. (CA)

Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as inaccurate.
Consumer complaint received 2020-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as inaccurate.
Consumer complaint received 2020-06-19
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. (TX)

I exercised 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 shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, I asked for XXXX XXXX XXXX XXXX to provide ALL OF THE FOLLOWING : 1. The description of the procedure used to determine the accuracy and completeness of the information. 
2. Name, address, and telephone number of each person contacted regarding this alleged account. 

AND 3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them ( XXXX XXXX ) the exact amount claimed of {$1500.00}. They also placed a remark on my account stating, " Account information disputed by consumer, meets FCRA requirements. '' No, this does NOT meet FCRA requirements if you FAILED to provide me all of the information that I requested. On multiple occasions, they failed to provide me with " HOW '' they validated the debt that I supposedly owe them. 

Also, the FCRA states that all data being reported must meet specific criteria such as : 1 ) information being 100 % timely, 100 % accurate and 100 % verifiable. If they couldn't verify the debt properly, how does this meet FCRA requirements? This is clearly a violation of my rights as a consumer, therefore, against the laws. I have no contractual obligation to XXXX XXXX XXXX XXXX, therefore, not owing them any debt. 

I've sent them letters ( And to the Collection Agencies ) dating back to last year and these dates are as followed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I exercised 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 shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, I asked for XXXX  XXXX XXXX XXXX to provide ALL OF THE FOLLOWING : 1. The description of the procedure used to determine the accuracy and completeness of the information. 
2. Name, address, and telephone number of each person contacted regarding this alleged account. 

AND 3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them ( XXXX  XXXX ) the exact amount claimed of {$1500.00}. They also placed a remark on my account stating, " Account information disputed by consumer, meets FCRA requirements. '' No, this does NOT meet FCRA requirements if you FAILED to provide me all of the information that I requested. On multiple occasions, they failed to provide me with " HOW '' they validated the debt that I supposedly owe them. 

Also, the FCRA states that all data being reported must meet specific criteria such as : 1 ) information being 100 % timely, 100 % accurate and 100 % verifiable. If they couldn't verify the debt properly, how does this meet FCRA requirements? This is clearly a violation of my rights as a consumer, therefore, against the laws. I have no contractual obligation to XXXX XXXX XXXX XXXX, therefore, not owing them any debt. 

I've sent them letters ( And to the Collection Agencies ) dating back to last year and these dates are as followed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (OH)

15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay the debt, the debt collector must cease all form of communication. Report to consumers credit reports are a form of communication, which is a violation of the law.
Consumer complaint received 2020-08-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am very frustrated because I have mailed the credit bureaus twice and they are ignoring me. There's information that is too old to be on my report and I want it removed. I tried in XXXX and again in XXXX and I have received NOTHING in response.
Consumer complaint received 2020-06-19
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. (UT)

I have a XXXX XXXX XXXX  Account reporting on my Credit Profile in XXXX. I advised all 3 Bureaus along with XXXX XXXX XXXX  that I DID NOT open this account and this account IS NOT MINE. I did not notice this account reporting on my credit profile until XXXX when I had my credit reviewed trying to obtain credit. I disputed this account immediately and provided a police report in which at that time was requested. I do not currently have access to said report as this was over 2 years ago. 

After the dispute the bureaus sent me a response of verified, and XXXX XXXX Bank sends me something stating I opened the account online, address used, IP address used ( which they couldnt have possibly verified as mine ). 

I advised thier documentation does not consitute as validation of this debt, and to date I have not gotten a response, and it is still reporting on my credit profile.
Consumer complaint received 2024-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC (PA)

It was a year into the loan i had made all payments my info told me that was enough to cancel pmi they said no they disagreed by saying bring suit against them .I left it alone and now it says if i made all payments that half way through the loan that pmi should be canceled if i made all payments and that i should have received a pmi cancelation date there was a law suit against another co was wondering if there a class action against Rocket mortgage do i have the right to go back now to ask for realest by way of the halfway point ruler or the one year rule time I also had a program thru hud agency offer to pay on the mortgage they refused saying they did not or where not going to except partial payments to my account the program is called hopwa do they have to except it i was in the pandemic forbearance which i read that thru while coming out of forbearance it was made another term
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (PA)

Ive checked my credit report, and realized someone applied for loans using my information that I DID NOT authorize. There are UNVERIFIABLE inquiries showing on my credit report that I would like removed immediately. XXXX XXXX, as well as XXXX are reporting these UNAUTHORIZED inquiries, the inquiries are as follows : XXXX XXXX : Discover Financial XXXX XXXX XXXX : XXXXXXXX XXXX XXXX  XXXX : Discover Financial XXXX. 

I would like these inquiries removed from these credit entities immediately.
Consumer complaint received 2020-08-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am very frustrated because I have mailed the credit bureaus twice and they are ignoring me. There's information that is too old to be on my report and I want it removed. I tried in XXXX and again in XXXX and I have received NOTHING in response.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC. (LA)

Exeter Finance is saying I owe them XXXX dollars but I have never purchased anything from them. They put this is in here in XX/XX/2020. It's also saying the bill is late. I don't know who they got this information from but this is not me. They are messing my credit up and I am trying to get it straight. Can you please contact me as soon as possible regarding this matter.
Consumer complaint received 2020-06-19
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: Ad Astra Recovery Services Inc (TX)

I exercised 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 shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, I asked for Ad Astra Recovery Services to provide ALL OF THE FOLLOWING : 1. The description of the procedure used to determine the accuracy and completeness of the information. 
2. Name, address, and telephone number of each person contacted regarding this alleged account. 

AND 3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them ( Ad Astra ) the exact amount claimed of {$1500.00}. They also placed a remark on my account stating, " Account information disputed by consumer, meets FCRA requirements. '' No, this does NOT meet FCRA requirements if you FAILED to provide me all of the information that I requested. On multiple occasions, they failed to provide me with " HOW '' they validated the debt that I supposedly owe them. 

Also, the FCRA states that all data being reported must meet specific criteria such as : 1 ) information being 100 % timely, 100 % accurate and 100 % verifiable. If they couldn't verify the debt properly, how does this meet FCRA requirements? This is clearly a violation of my rights as a consumer, therefore, against the laws. I have no contractual obligation to Ad Astra Recovery Services, therefore, not owing them any debt. 

I've sent them letters ( And to the Collection Agencies ) dating back to last year and these dates are as followed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

A fraudulent account was opened with Bank of America XXXX XXXX in XXXX year. Both times I received an email stating that an online account can not be opened, and then received a subsequent email that the account was verified and opened. This has only ever happened with BoA. BoA also would not put a hold on my profile to attempt to prevent this from happening further.
Consumer complaint received 2015-10-17
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (MD)

Back in XXXX, 2015 I was checking the options to refinance my single family house mortgage of {$630000.00}. After watching the Quicken Loans TV advertising, I decided to find more information about my chances of refinancing. 
Since I begun checking the loan options with this company, starting XXXX XXXX, 2015, I was persuaded by their very persistent representative XXXX XXXX ( XXXXXXXXXXXX Phone : ( XXXX ) XXXX XXXX ), to send him my two years tax returns. After a day or two he called me back and told me that I 'm certainly qualified to begin the process. XX/XX/XXXX the process begun ( Loan : XXXX ), through which I was recklessly dragged for almost 4 months through several of QL associates, who tossed me blatantly from one to another, with repeated documents requests. They continued to extend the date for their decision, up until yesterday XXXX XXXX, after my repeated requests to find out about the loan application status, I received a totally ridiculous and irresponsible answer : QL could n't match a home loan with my current needs. 
Prior to this message, on the same day, I got another response to my question placed onMY QL online board on XXXX XXXX. The message was somewhat strange, but nevertheless different. The message notified me that all Jumbo Loans applications that were submitted after XXXX XXXX are being affected with new rules. I did n't understand how this could 've been related to me, since I begun the process XX/XX/XXXX. At the end of the same day I got an email from the same gentlemen, I begun the process with - XXXX XXXX, with the message of denial. Later I got a call from another rep with the same message, who did n't want to disclose the reasons for their decision, as well as did n't want to reveal the name of the underwriter to enable me to appeal their decision.
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX XXXX XXXX in XXXX took my debit card for sushi within hours i believe someone there took my debit card # s set up a cash app in my name and stole {$300.00}. Chase would not return because of a possible fraudulent charge in XXXX that was not fraudulent and unrelated. They gave the {$19.00} money back on the XXXX debit to XXXX which was not fraudulent and said they would not give me the money back on theft of my card # s and CASH APP scam of {$300.00} which i reported immediately. 

Their contention was because I thought a charge may have been farudulent and wasnt in XXXX that 60 days after that they are not responsible for any fraudulent charges made after 60 days. A way for them not to pay out on theft of my card even though i reported the theft with in hours. A bank that has trillion of dollars allows your card to be robbed and will not return the funds. It seems as though my money is not safe with chase, in the cyber word people can steal your money electronically easier than from your pocket.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I have had to hire several credit repair and spend over XXXX with companies within the last twenty four months. This was to request to have old items removed given that they are past the Statue of Limitation. These items are holding me hostage for a better life for myself and my Family.
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (TX)

US Bank has ridiculously arbitrary credit issuance rules. Their ludicrous standards inhibit credit building and discriminate against those interested in credit education. I was denied because the obnoxious customer service representatives refused to pull my credit from a bureau with a comprehensive overview of my credit in favor of a moronic randomized bureau which discriminates against consumers new to building credit.
Consumer complaint received 2024-03-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (AZ)

XX/XX/28 my vehicle was repo. I have sent this company 2 registered securities and they did not acknowledge them. According to 31USC 51 18 D, a promissory note is equivalent to money.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have had to hire several credit repair and spend over XXXX with companies within the last twenty four months. This was to request to have old items removed given that they are past the Statue of Limitation. These items are holding me hostage for a better life for myself and my Family.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management (TX)

This letter is a follow-up to my complaint regarding PLAZA SERVICES reporting a collection account on my credit report. My CFPB complaint reference number is XXXX. 

While I received notification from the original creditor about the account being sold to PLAZA SERVICES, it was untimely. The collection account was opened on XX/XX/2022, and I wasn't notified until XX/XX/2022. 

The Fair Credit Reporting Act ( FCRA ) requires debt collectors to notify debtors of account transfers within a reasonable time frame. A notification received 14 days after the collection account was opened is likely considered unreasonable under the FCRA. 
Due to this late notification, I argue that PLAZA SERVICES did not follow proper procedures and therefore can not report this account on my credit report. 

I understand I may have an obligation to the original creditor for this debt. However, the late notification about the account transfer raises questions about the validity of the collection company 's reporting on my credit report.
Consumer complaint received 2020-08-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

Loan Summary ( Loan # : XXXX ) View contract Loan Status Funded Original Loan Principal Amount XXXX Funding Date Tuesday, XX/XX/XXXX Final Due Date Thursday, XX/XX/XXXX Loan Principal Remaining XXXX Total Past Due Balance XXXX Next Payment Due Date Tuesday, XX/XX/XXXX Next Payment Amount XXXX Today I made a payment of {$2000.00} and I was told by the agent that I still needed to pay {$2800.00} to payoff this loan. 

This company is a ripoff. I have already paid over {$6000.00} for a {$3300.00} loan. I would like for the account to be paid in full for the loan principal remaining which is {$1100.00}. Im not paying anything other than that.
Consumer complaint received 2024-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau (IN)

In XXXX of XXXX, I applied for medical hardship application with XXXX XXXX, the original creditor of my XXXX  debt. My application was submitted and on my next bill, there was no longer {$3000.00} on my bill. 

Today on XXXX i received a notice that a collections has shown up on my credit report from Medical Business Bureau XXXX I have never received any written communication or even calls/voicemails from this agency regarding this debt. I have no information yo verify my debt or was even given an opportunity to dispute or make payments before the debt was reported to my credit report.