davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation (TN)

XX/XX/XXXX applied for cash out refi. Was informed by mortgage loan originator to skip XXXX  mortgage as we were to close the week of XX/XX/XXXX. This fell through and was latter scheduled to close XX/XX/XXXX before XXXX that fell through I had in turn to pay XXXX mortgage pmt in which I incurred a late fee. I was then informed to skip XXXX pmt. following there directions I complied and incurred another late fee. I was informed that after 100 days two late mortgage pmt and a late car note we closed on the XXXX of XXXX with a 3 day right to refuse and the refi was to fund onXXXX XXXX today is the XXXX XXXX they paid off primary mortgage but did not fund my cash out proceeds into my checking account I guess maybe it will eventually fund after XXXX. 
I wish to file a formal complaint against Home Point financial they are the most unprofessional, incompetent, unorganized institution I have ever encountered. 
They went home on XXXX leaving this refi loan in total limbo and still is at this time partially funded. 
I only wish to help all veterans to steer clear of this institution which is a total fiasco!! 
They have proved time after time they are not customer friendly but are highly incompetent.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMO Bank, N.A. (IL)

XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX There are all fraudulent inquiries that I dont not authorize the creditors to run my report
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Afterpay US Services, LLC (MD)

I am a federally protected consumer speaking on behalf of myself of the events that occurred. On XX/XX/2021 I reached out to via email Afterpay and requested all previous or current loan applications that are on my file. On XX/XX/2021 I received an email from the Afterpay Team that they do not provide a statement of account ( see attached screenshot ). If they are unable to verify any past, current or future loans, these loans are therefore invalid. Any payments that I made in the past did not pay a debt. Where did the payments go if I did not receive any loans? If a debt collector can not provide validation of the alleged debt, it is invalid.
Consumer complaint received 2021-10-10
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)

After 23 Disputes to Equifax, Identity theft reports to this bureau, as well as XXXX XXXX official documentation, and consumer statements posted to my credit file, Equifax refuses to by law, correct my credit file, and stop allowing fraudulent reporting to my credit file. After numerous phone calls, documentation of every single detail, identity theft action taken, proper notification, and supporting documents given to Equifax directly, They continue to allow fraudulent information, by one specific company ( XXXX XXXX XXXX ) report this information to my credit file. This has forced me to hire an attorney, and file for bankruptcy which has still after 4 years not solved this issue. This is a violation of the law concerning the Fair Credit Reporting Act which gives me the right to an accurate credit report. All federal Agencies have been notified of this issue, and are investigating which I am hoping will help. This has cause years of difficulty, finding a place to live for myself, and my family. It is an injustice.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

They never responded to any of my dispute letters. I have sent 5 letters starting XX/XX/2020. They fail to do their job and they are reporting inaccurately. please help me as they are purposely hurting my credit score.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo stole our money and has been refusing to credit it to my account for over 1 week now. 
CREDIT OUR MONEY TO MY ACCOUNT IMMEDIATELY! 
Check was deposited for {$2200.00} on XX/XX/2020 already and the money is still not in my account. WE HAVE A RIGHT TO OUR MONEY! 
THIS WAS MY HUSBANDS CHECK - THE MONEY WAS TAKEN OUT OF HIS ACCOUNT BY WELLS FARGO ON XX/XX/2020, HOWEVER, WELLS FARGO IS STILL REFUSING TO CREDIT MY ACCOUNT WITH THE {$2200.00} XXXX WE HAVE BEEN UNABLE TO PAY RENT DUE TO THAT STEALING OF OUR MONEY AND REFUSING TO CREIDT IT TO MY ACCOUNT. 
NO EXPLANATION HAS BEEN GIVEN BY WELLS FAGRO - WHY?? - Non of the general reason 's the bank, W.F. mentions, applyto us! 
- the deposit was not over {$5000.00} - the check was covered ( W.F. took the money out of my husband 's account the same day XX/XX/2020, but STILL refuses to credit my account - WHERE ARE THEY HOLDING THIS MONEY? OUR MONEY? WHAT ARE THEY DOING WITH IT? THIS IS NOT LEGITIMATE!! 
They took the money out of my husband ' s account on XX/XX/2020 and were supposed to deposit it into my account the same day or latest by XX/XX/2020, we have done this many times. WHY are they holding the money for 2 weeks this time? They have not explicitely explained this still - they mentioned all the reasons that CAN cause a hold, but they have not explained what is the reason in this, our case, and non of the general explanations fit our case! 
WHERE IS OUR MONEY? 
FREE IT RIGHT AWAY AND CREDIT IT TO MY ACCOUNT AS IT SHOULD HAVE BEEN DONE 1 WEEK AGO!!
Consumer complaint received 2021-01-07
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 sent a dispute to Transunion in XXXX of XXXX The dispute included a XXXX XXXX XXXX Account. The dispute was in regards to the balance being incorrectly reported. The balance should be {$0.00}. I even sent proof of the {$0.00} balance for the account. However, after disputing the balance of the XXXX XXXX XXXX account. Transunion replied with the dispute results via mail. The response did not even acknowledge or give results specifically for the XXXX XXXX XXXX account. Transunion failed to investigate the dispute properly. 

I have attached the dispute I sent in XXXX of XXXX. 
I have attached proof of the {$0.00} balance for XXXX XXXX XXXX. 
I have attached Transunion 's response which fails to acknowledge the dispute for XXXX XXXX XXXX.
Consumer complaint received 2021-01-07
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: CBC Companies, Inc. (GA)

In XXXX I disputed an account with Innovis for XXXX XXXX XXXX XXXX. The account was deleted but reinserted. According to law. The consumer is supposed to be notified of a reinsertion with 5 days to his credit file. Innovis has not done this. This item was previously removed then reinsert. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

Thank you,
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2021-10-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DriveTime (MD)

In 2017 I entered into a consumer transaction with XXXX. Since then I have learned that fraud has been committed against me. 
XXXX XXXX is in violation of breaking a number of consumer protection laws, including but not limited to : 15 USC 1635- Right of Recession. This was not included in my contract 15 USC 1605 ( a ) and 1605a ( 5 ) Finance Charge is the sum of all charges. I was charged, in addition to a finance charge a down payment and additional GAP insurance and fees.

I have signed and notarized all complaints and sent Certified mail to t
he of XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2021-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

The company, Capital One, reported me late for a fraudulent charge in XX/XX/2020. The company has since reversed the charges but has not corrected the issue with the credit bureaus. This is a problem and I need it corrected immediately.
Consumer complaint received 2021-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (UT)

This debt was originally owed to XXXX XXXX and Alduos and Associates bought it. The amount owed was {$270.00}. On XX/XX/2020 I paid {$50.00}. On XX/XX/2020 I paid {$40.00}. On XX/XX/2020 I paid {$180.00} making this account paid in full. On XX/XX/2020 I called to ask for proof/receipt of my debt paid in full. XXXX said he would send that over. He sent an email with one payment missing. I called again and they said they would send an accurate one. They never did. My credit has not been updated and the balance actually went up even though they verbally verified it was paid.
Consumer complaint received 2021-01-07
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: EQUIFAX, INC. (NY)

TO WHOM IT MAY CONCERN, I DISPUTED TWO INQURIES AND A CHARGE OFF ON MY CREDIT REPORT WITH ALL THREE CREDIT BUREAU ON XX/XX/2020, XXXX REMOVED THE XXXX CHARGE OFF FROM MY REPORT WHILE XX/XX/XXXX AND EQUIFAX REFUSE TO CORRECT MY ACCOUNT MORE THAN 30 DAYS, TODAY MAKES IT 48DAYS SINCE I REQUESTED THE CORRECTION/DELETION ON MY CREDIT REPORT AND NOTHING HAS BEEN DONE TO RECTIFY THIS ISSUES.ACCORDING TO SECTION 609 ( a ) ( 1 ) ( A ) NO VERIFICATION WAS DONE BY XX/XX/XXXX AND EQUIFAX ON THE XXXX CHARGE OFF NOR THE OTHER TWO DEROGATORY REMARKS : 1. XXXX NOT MY ACCOUNT 2. XXXX XXXX {$1400.00} 3. XXXX XXXX XXXX I ALSO REQUESTED ALL ADDRESES THAT IS NOT MY ADDRESS TO BE REMOVED FROM MY REPORT AND NOTHING WAS DONE. 
PLEASE HELP ME I DONT KNOW WHAT TO DO ANY MORE I HAVE DONE ALL I COULD AT THIS POINT, AND THE BUREAUS ARE PLAYING GAMES WITH MY LIFE.
Consumer complaint received 2023-03-07
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. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TO WHOM IT MAY CONCERN, I DISPUTED TWO INQURIES AND A CHARGE OFF ON MY CREDIT REPORT WITH ALL THREE CREDIT BUREAU ON XX/XX/2020, TRANSUNION REMOVED THE XXXX CHARGE OFF FROM MY REPORT WHILE XXXX AND XXXX REFUSE TO CORRECT MY ACCOUNT MORE THAN 30 DAYS, TODAY MAKES IT 48DAYS SINCE I REQUESTED THE CORRECTION/DELETION ON MY CREDIT REPORT AND NOTHING HAS BEEN DONE TO RECTIFY THIS ISSUES.ACCORDING TO SECTION 609 ( a ) ( 1 ) ( A ) NO VERIFICATION WAS DONE BY XXXX AND XXXX ON THE SANTANDER CHARGE OFF NOR THE OTHER TWO DEROGATORY REMARKS : 1. XXXX NOT MY ACCOUNT 2. XXXX XXXX {$1400.00} 3. XXXX XXXX XXXX I ALSO REQUESTED ALL ADDRESES THAT IS NOT MY ADDRESS TO BE REMOVED FROM MY REPORT AND NOTHING WAS DONE. 
PLEASE HELP ME I DONT KNOW WHAT TO DO ANY MORE I HAVE DONE ALL I COULD AT THIS POINT, AND THE BUREAUS ARE PLAYING GAMES WITH MY LIFE.
Consumer complaint received 2021-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I received a ppp loan that I put in my personal account instead of a business account.. I made a few transactions for business zelle XXXX n paid with my credit card that I used for business n gas back. In 3 days they froze my account stating I don't have a business which I do a dba for 10 years n I sent them proof of it etc n they still say they can't release it due to they say they can't find my dba in the system n because I used my name instead of the dba which they should still be able to find it because I have no ein number it's under my social.. I sent them receipts because I didn't file that year but had a schedule c for XXXX I submitted to sba.. My bank capital one bank is the problem I been with them like 8 years I can't believe this.. I sent them all my receipts of that year with my business of which I built a house I was the general contractor.. The amount I received was XXXX n they also said they didn't receive any deposits in my account which I never use the bank I receive cash all the time.. So they got me oweing them XXXX n sending it back they said 5 months ago here we are in XXXX since XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I am writing to bring to your immediate attention a matter of urgent concern regarding fraudulent items on my account. It has come to my attention that unauthorized transactions have been made, which have compromised the integrity and security of my financial information. 

As a victim of fraud, I am deeply troubled by these unauthorized activities and demand that they be addressed with the utmost urgency. These fraudulent charges not only jeopardize my financial stability but also erode my trust in your company 's ability to protect its customers. 

I insist that these fraudulent items be swiftly removed from my account without further delay. It is imperative that your company takes immediate action to investigate these unauthorized transactions and rectify the situation to prevent any further harm to my financial well-being. 

Furthermore, I request transparent communication throughout the process of resolving this issue, including regular updates on the progress of the investigation and the steps being taken to address the fraudulent activity. 

In addition to the removal of these fraudulent items, I expect to be compensated for any financial losses or damages incurred as a result of this fraudulent activity, as well as for the inconvenience and stress caused by having to deal with this situation. 

I urge you to prioritize this matter and provide a swift resolution to ensure the protection of my account and restore my confidence in your company 's ability to uphold its responsibilities to its customers. I am asking for your assisstance to remove these accounts in my credit file : 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
Consumer complaint received 2021-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I made a deposit on XX/XX/XXXX. 
I usually get access the next business day. 
This time some of the funds were held. 
While I was making deposit no warning of a hold was indicated. 
When I received my receipt they informed me of the hold. 
I could not get the checks back from the ATM. 
I checked 2 days later with the makers of the checks and they said the money was out of their account. 
I checked with a teller and he said he or the manager could do nothing. 
I called the only number they give and the person said it was the law that they have to hold the funds. 
I was informed before conversation it was being recorded. Recording should be available. 
Here it is 6 days later and my account is charged {$38.00} overdraft and they are still holding {$5700.00}. 
This is the second time they have done this. 
Last time they held funds 10 days and said confidential source said checks would not clear. Again the checks cleared makers account within 48 hours. 
All deposited funds were local banks.
Consumer complaint received 2021-01-07
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. (AZ)

i have filed a notarized identity theft affidavit to support my request. These accounts listed in my affidavit of fraudulent application do not belong to me and need to be removed.
Consumer complaint received 2021-01-07
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. (TX)

TransUnion is currently reporting reporting a XXXX XXXX Account, That was Deleted in XXXX. TransUnion have been provided a FTC affidavit pertaining to this account. TransUnion is currently violating FCRA by putting this fraudulent account back on my TransUnion credit file.