davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-06-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NC)

I applied for a VA IRRR on XX/XX/XXXX and locked my interest rate at 2.625 % with a loan discount fee of 0.00 %. I estimated the value of my home at {$280000.00} due to having a recent appraisal completed with an effective date of XX/XX/XXXX. The lender ordered an appraisal even though, as I understand it, when discount points are not charged, a value determination is not required. ( VA XXXX XXXX, Exhibit A ) The Exterior-Only valuation, ordered by the lender, gave a value of {$270000.00} ; which I completely disagree with. I provided the lender a copy of the XX/XX/XXXX appraisal and a list of reasons for disagreeing with the value of {$270000.00}. ( see below ) The appraisal is absolutely ridiculous. So the appraiser is telling me, with property values Stable, Demand/Supply Shortage and under 3 mths marketing time.. He said, Demand is out-pacing supply, the value of my home has declined {$10000.00} in less than a year. WHAT? Thats absurd! 

I do NOT live in a Rural neighborhood. 

His low/high/predominate value is WAY off. 

The effective age of my home went from 5 yrs to 10 years in 11 months? 

Comp 2 is a 3 bedroom home. If you were in the market for a family home, would you consider a 3 bedroom home and a 5 bedroom home comparable? 

Comp 1 is well over a year old. If he were going to use 1 year old comps, why didnt he use XXXX XXXX XXXX XXXX? It directly compares to my home in square footage as well as bedroom count and sold for {$290000.00} Comp 4 is ridiculous ; old sale and on the market for 2 days as compared to all the others ; 96 days, 38 days, 110 days and 66 days. Was it a distressed sale? 

Ive attached my old appraisal for comparison. 

On XX/XX/XXXX, I received a new Loan Estimate that reflects the value of {$270000.00} and shows added discount points of 1.875 % ( {$5200.00} ). 

It is my understanding from Circular 26-18-13, Exhibit A ; A loan-to-value determination must be made when discount points are charged. When discount points are not charged, a value determination is not required. 

This lender originally locked my interest rate with no discount points, therefore, according to VA Circular 26-18-13, Exhibit A, a value determination is not required. I contacted the lender disputing the need for a valuation and disputing the value of {$270000.00}. I was told that " a value dispute almost never works '' and they'll try to find a way to increase my credit score above 700 so they can approve an above 100 % LTV loan. Now that the valuation that they have ( which I do not agree with ) reports a lower value, they are using this excuse to charge me an extra 1.875 % ( {$5200.00} ). 
I feel that this is nothing short of extortion. They ordered an unnecessary appraisal and are using the low value to extort another {$5200.00} from me.
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (NY)

I purchased a product from XXXX XXXX for approx. {$600.00} in XX/XX/2020. The item was shipped by XXXX. I was notified by XXXX it was to be delivered on a certain day. I then received an email that the item was delivered, but it actually was not. I called XXXX and told them I never received the item. They said they see that the item was not delivered and provided an investigation number. After a few days, I called back and they acknowledged that the item was lost. They told me to call XXXX XXXX. XXXX XXXX said they were unable to issue a credit as the item was marked " delivered '' in the system, so I should dispute the charge on the credit card. It was a XXXX Visa administered by Elan Financial Services.

I disputed the charge and it was reversed. Several weeks later I received a letter from Elan that XXXX XXXX said the item was delivered, as proved by per the XXXX system, and that I needed to provide a counterclaim. I did so and provided the XXXX investigation number which can be used, per XXXX, to show the item was lost. On the next credit card statement, the {$600.00} charge was reinstated. I called Elan and spoke with XXXX on XX/XX/XXXX. She said that the charge was reinstated because my response letter was received a day late, but they have now reopened the claim and I should see the charge reversed. It was not. I called again on XX/XX/XXXX and spoke with XXXX, as the payment was due the next day. She said that the charge should be reversed, not to make the payment, and someone would call me back in 48 hours. No one did. I called again on XX/XX/XXXX and spoke to XXXX. She said that my claim was denied because it was not received timely and there is nothing they can do. I asked why I was told differently during my previous two discussions and did not receive an answer. Elan is telling me I am responsible to pay for a {$600.00} item that I never received.
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

Hello : Every month, CitiBank ( CitiCard ) takes {$20.00} out of my checking account. 

However, they can not tell me which account it is for, or how I can pay it off. 

It does show in my credit reports, and my bank has verified that it is Citi that takes out money, but Citi just does not have any record of me. 

I know the last 4 digits of the account, the amount taken out, and when the account was opened. 

I want to pay off the credit card ; that is holding me back from qualifying for a residential mortgage. 

I have contacted Citi a dozen times ; each time waiting for 20 minutes or more, and nobody can tell me anything about this account.
Consumer complaint received 2020-10-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cash Link USA, LLC (WI)

I called CashLinkUsa to extend my loan for additional funds. The first person I talked to ( a male ) stated they can't give me anymore funds unless I pay it off and then they can start a new loan. He said once I pay it we can get on the phone with my bank to make sure it cleared and we can process a new loan the same day. 

He transfered me to a CSR ( a woman ) and she stated that a new loan couldn't be process for 30 days. I told her the man I just spoke to said I can do it the same day. She said I can take the payment but the loan can't happen until Monday. 

So I paid off the loan then I got on the phone with another loan rep ( a male ) who says now we can't do it because you paid off with the debit card and we have to wait 30 days ultimately putting me in a bind because I have to pay a bill that has to do with my internet services of which I can't work with out it. I work remotely so without internet I'm in a bad place and can't work.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Professional Recovery Management (LA)

Per the FCRA, as a Federally protected Consumer, I am now opting out of any and all authorization that I, the Consumer may have given you written, unwritten, verbal, and nonverbal. Per 15 U.S. Code 6802 and 15 CFR 313.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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




XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-27
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-03
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. (TX)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to the pandemic I was trying to feed my family and keep up with my bills.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX Balance : {$690.00}
Consumer complaint received 2020-10-02
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. (TX)

INCACCURATE INFORMATION ON CREDIT REPORT. FTC VIOLATION!!! 

XXXX XXXX XXXX OPEN XXXX XXXX. {$440.00} XXXX XXXX XXXX OPEN XXXX XX/XX/XXXX AMT. {$590.00} XXXX XXXX XXXX OPEN XXXX XX/XX/XXXX AMT. {$430.00} THE NAMES : XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-10-02
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. (MD)

Last year in 2019 I went through a company called XXXX remodeling to get an estimate and try to get financed for a new roof. That company ran my name through multiple other companies to try to get me financed. So on my credit report it is showing about 3 or 4 different company names on the same day as hard inquiries. After reading on the fair credit act. It stated that any inquiry for the same purpose with in 30 days would be considered one. I called transunion to try to understand why it was listed as 4 different times even though it was for the same purpose through the same company and the company had tried to get me financed, why is it not one. And the gentlemen I spoke to said it is seperate because its seperate financial companies that they went through. So I am confused as to whether it should really be 1 or 4. I am submitting this because i have recently looked into getting my car refinanced and on their page it says this : " When you go rate shopping to refinance your car loan, you can make as many inquiries as you like within a 30 day period. All of these inquires will be treated as one single inquiry as far as your credit score goes. Auto refinance lead finder services, like XXXX, are ideal in this situation since they can make inquiries to nearly one hundred different lenders all with little to no impact on your credit score. '' So to me I feel I am being misled into allowing multiple things attack my credit when they are advertising it to only be considered one inquiry.
Consumer complaint received 2020-10-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom mortgage sent us a check in the amount of XXXX in XX/XX/2019 for an escrow account overage. We found this out by looking at our monthly statements in XXXX and we called them then. They agreed to send us a replacement check that we never received. In XXXX we called them again to follow up and they stated we needed to wait 30 days because of the refinance we were conducting with them to lower our rate. We then called them back in XXXX and they stated that they would mail us another check. In all, freedom claims to have mailed us these funds a total of 3 times. We have never received the check. We do not have any mail issues at home. We strongly believe the checks are not being mailed. We have been working through numerous calls with them since XXXX. Our last contact stated that freedom ended up using the funds from that check to pay off unpaid supplemental property taxes which we included in our prepaids during our refinance with them in XXXX. Our new mortgage include the XXXX that they claim to have used our refund check for. Our last contact there acknowledges freedom received the funds at closing for refinance and has stated that unfortunately at this point he can not resolve this matter for us and that there is nobody else to escalate this too. He acknowledges that freedom paid the county and that they also received the funds during our escrow close in XXXX for the refinance. We are beyond exhausted from the countless hours that we have spent on the phone trying resolve this situation with freedom mortgage. We feel helpless that our last contact simply stated there is nobody to escalate this to. His name is XXXX XXXX and his phone number is XXXX XXXX XXXX
Consumer complaint received 2020-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (TX)

Capital Management Services is attempting to collect a debt that I do not owe.I received a call from a XXXX XXXX on XX/XX/20. Capital Management Services has no legal right to attempt to collect any money from me. Capital Management Services has not validated this debt nor sent me an initial notice of collection. There is no debt to begin with. Capital Management Services is acting in a misleading manner and is in violation of the FDCPA. I never owned or authorized a XXXX XXXX credit card.
Consumer complaint received 2024-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (CA)

Aargon Agency Inc showed up on my credit report on XX/XX/XXXX saying that I owed a debt of {$1000.00}. The original debt being owed to XXXX XXXX XXXX XXXX I called Aargon immediately because this is not a debt that I owe. I let them know that in XXXX XXXX XXXX XXXX XXXX XXXX  added this debt to my credit report and I proved that I did not owe this debt and it was removed from my credit report in XXXX XXXX XXXX. Now Aargon has reported the same debt to the XXXX credit bureaus and it is a debt that I do not owe. This was my XXXX XXXX  that I used my insurance for and then paid the balance. I have attached the receipt that was paid.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-02
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)

**THIS IS NOT A DUPLICATE COMPLAINT ... I AM RESUBMITTING BECAUSE THIS COMPANY IS TRYING TO GET AWAY WITH BREAKING THE LAWS ... THEY CLOSED MY FIRST COMPLAINT STATING THAT I AM NOT WHO I SAY I AM WUEN I SUBMITTED A COPY OF MY ID SOCIAL AND A NOTARIZED LETTER FROM THE NOTARY PUBLIC. I started my disputes with experian back on XX/XX/2020. I put in a dispute for a XXXX account, a XXXX XXXX, and XXXX XXXX XXXX. These accounts were reported " Verified ''. 
experian has provided no documentation to prove this. 
Previously to this i had reached out to these companies and they were not able to provide me with any information on either of these accounts.I reached out to all three bureaus to investigate why these accounts were showing on my report and I asked each company to investigate this matter. XXXX  and XXXX notified me within 30 days of their investigation that they could not get any information either and the 3 accounts were deleted from my file. I filed the same dispute in XXXX with experian and as I stated above it came back suprisingly " verified and reporting accurately ''. I found this to be unusual so I requested information from these companies that I was informed by the FTC commission ( I wrote it down ) that under section 611 ( a ) ( 1 ) ( a ) and 611 ( a ) ( 7 ) I could request the original documents that they had on file from these companies and the results of investigation ( section 609 ( a ) ( 1 ) ( a ) which I still have not received. These accounts are still reporting from experian and no one has given me any documentation of what I asked for. I received a response today XX/XX/2020. That under section 611 ( a ) ( 3 ) ( a ) they could not honor my request. I was very specific in my letter and what I asked for. I spoke with a rep and he told me that I was not allowed to ask for that information and that they did not have to provide it and that I must go to the creditor and ask for it. I did that back in XX/XX/2020 and was unsuccessful. Because they did not provide me with the requested documentation section 611 ( 5 ) ( a ) says that it has to be deleted. ( Yes I read this information provided by the ftc ). I refuse to be deceived in their tactics to not properly do their jobs. How can 2 bureaus find nothing but experian says something different? If the creditors reported the accounts to all three then they should have all been given the same information and removed from all 3 bureaus
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX