davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (LA)

Summary of problem! XXXX XXXX  has not been paid yet and payment according to the Closing Documents we signed, this was to be paid XX/XX/XXXX. THEY HAVE NOT BEEN PAID OF THIS DATE. 
Order of process to date : Note : I have copies of the documentation and will be able to provide them to the Louisiana Consumer Protection Agency which will initiate investigations by the State of Louisiana and the Department of Veterans Affairs. 
- XX/XX/XXXX I received notice of Loan Approval for loan number : XXXX - XX/XX/XXXX A contract Notary representing XXXX XXXX witnessed the contract closing. This date was changed from XX/XX/XXXX. Special note the contract was received by the Contract Notary at XXXX on XX/XX/XXXX, in other words it was current. We signed the contract and the cost of the Notary was not include in the online documented paperwork, so I had to go to my credit union and get a certified check for {$110.00} to pay the Notary. 
- XX/XX/XXXX, our current mortgage provider was not paid as indicated by the Closing Instructions under Disbursement Date : XX/XX/XXXX. Special Note : I have a copy of Loan Depot Lifetime Guarantee under Important Steps item one it states Please note that your previous mortgage payoff and/or disbursement may take up to 5 business days from XX/XX/XXXX to XX/XX/XXXX is currently 41days and still no payment to my current mortgage holder. 
- On XX/XX/XXXX I was current on my mortgage payment and on XX/XX/XXXX I was current on my mortgage payment. I was compliant when we closed on XX/XX/XXXX. 
- XX/XX/XXXX I am asked by XXXX XXXX to print and sign a new copy of the closing contract and forward it to Loan Depot. I did comply but as an un-notarized addendum to the contract I believed the activity would violate Louisiana Law and  would then make the contract non-binding. 
XXXX  XXXX, XXXX has not paid my current mortgage holder and now XXXX XXXX has changed the cost break down without my approval or signature. As you are aware to change an in-place contract it requires the approval of both parties involved in the transaction. I will not honor my obligations due on XX/XX/XXXX until you honor your obligations of the XXXX  Contract to pay the current mortgage holder on XX/XX/XXXX. You pay and I will become easier to work with. 
LoanDepot.com has initiated my first payment on this loan on XX/XX/XXXX. I will not make any payments to you until my current mortgage holder is paid in full including penalties and fees caused by your constant delays and excuses. 
I have recently received a letter
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: The CMI Group, Inc. (GA)

On XX/XX/year> I sent a letter to XXXX XXXX XXXX for Validation for a account they posted on my credit report. I gave them XXXX  days to provide me with the documentation they have for this account. Which they failed to today is XX/XX/year> which is past XXXX  days so this account should be deleted off my credit report.
Consumer complaint received 2019-12-31
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : CAPITAL ONE BANK USA Made on : XX/XX/2017 Made with : XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc. (FL)

So I use to have a XXXX cash app accounts but they were compromised and hacked. The last one I had Cash app unknowingly closed it without giving me any reasons as to why. So now when I try to create one they tell me to submit my SSN and correct government information like my name ect. As soon as I submit the information required They tell me that the information isn't correct. I have tried several times to call them and tell them what's going on but nothing gets done. I just want my correct government information approved so I can setup a cash app account or restore my other one they closed
Consumer complaint received 2020-06-10
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. (LA)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my TransUnion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION blocked some accounts that should be reporting on my credit file and dropped my score almost 40 pnts!!!!!! For no REASON!! I want these accounts put back on my file XXXX/XXXX   XXXX  # XXXX {$12000.00} limit XXXX XXXX XXXX XXXX # XXXX {$3000.00} limit XXXX XXXX  XXXX  # XXXX {$4000.00} limit I am attaching proof that cards are mine, please re-insert these accounts immediately and re-score my file
Consumer complaint received 2020-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC (TX)

A fraudulent medical account is reporting by Capital Accounts LLC on my XXXX credit report for {$140.00}. I have never visited XXXX XXXX XXXX. I have filed a police report with the XXXX Police Department, Report # XXXX to support my identity theft report.
Consumer complaint received 2024-06-16
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: J J Marshall & Associates, Inc (MI)

This company is divulging my personal information on my alleged credit reports to the public, unwarranted without producing a valid contract to do so. This derogatory information has caused me pain, suffering and hardships. They refuse to investigate into the matter. Ive already sent this company a notice, opportunity to cure, and notice of default. By law, the FCRA 15 USC when the process of dispute has begun, companies can no longer continue with collection attempts. This company is required to verify. They have no forensic audit of all the accounting. The public accounting doesnt match with the private accounting. They have illegally acquired my information using identity theft. Theyve claimed an exemption for tax purposes, so theyre engaged in tax fraud. We have no contract. They have engaged in mail fraud.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experian, XXXX XXXX and XXXX Thank you for taking the time to read this letter. I recently noticed that my credit report contains errors. I take pride in my ability to pay back my debts, and the XXXX marks do not reflect my creditworthiness. It would help me immensely if you could make a goodwill adjustment to remove the closed account as well as remove the inaccurate accounts from my record, as it does not reflect my current ability to pay. Im hoping you are willing to give me a second chance at a positive credit rating given my financial status and renewed good standing with my account. 

Unverifiable information : XXXXXXXX XXXX XXXX, Last reported XX/XX/XXXX {$190.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$100.00} Closed : XXXX XXXX  : Closed the account They have never sent a validation letter, I have asked multiple times and now they are just holding me, XXXX, without proof that this account is attached to me. That is a violation of my rights with the Fair Credit Reporting Act ( FCRA ) I feel they are Willfully hitting the FCRA Violations These are the more serious violations because it means the agency, business or individual was aware of their actions. It is causing harm to my personal life as I am trying to buy a home for my family and causing harm to my business life due to the fact most cards deal with p.g 's, but went ahead and did them anyway. Sadly, I was denied because of these 3 accounts. 

These companies are actually and knowingly causing Actual damages, Statutory damages and Punitive damages to my life. 

also please delete XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I do not live at any of the addresses listed above. 

Hard Inquiries : XXXX XXXX XXXX I never filled an application out so I'm not sure what this is XXXX XXXX XXXX XXXX I never filled an application out so I'm not sure what this is either. 
XXXX XXXX Date XX/XX/XXXX Inquiry Type XXXX XXXX-? 
XXXX XXXX  Date XX/XX/XXXX Inquiry Type XXXX XXXX?
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-04
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. (SC)

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. 
Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : BANK OF XXXX XXXX XXXX, Account name : 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 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 2019-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/XXXX, I closed my checking account with Bank of America. On XX/XX/XXXX, I paid off the remaining balance on my Bank of America credit card of {$90.00}. The closing of my account and confirmation of credit card balance payment was confirmed in person with the the Financial Center Manager, XXXX XXXX, at the XXXX Georgia Bank of America. 

Fast forward to XX/XX/XXXX, I applied for a business credit card and was denied. After checking my credit report, I found that Bank of America had re-charged my credit card for {$90.00} starting XX/XX/XXXX, and had not informed me that I had any outstanding balance due on my credit card. Because I had not received any notice of this outstanding credit card balance, no payments were made, and the balance accrued fees that totaled {$270.00}. 

I met with XXXX XXXX and XXXX XXXX in person at the XXXX Georgia Bank of America to figure out why I was charged a second time for the {$90.00}, and why it had accrued so many fees. They were unable to get any answers, and weren't able to figure out why the {$90.00} was re-charged to my account. They called the credit card department, which was no help. The credit card department asked them to review my banking records, which we had already done and was the reason we called the credit card department in the first place. After 3 hours of back and forth, no resolution was made, and I left the bank. 

I called the credit card department to complain about the fees, and to dispute the charges because I was never notified of any due or late payments. They said they were unable to prove or disprove that any notifications were sent out, and would not assist me any further. 

This has hurt my credit score greatly. I have had no late payments on any card, and have had no debt, no liabilities other than the current credit card balance, which has always been promptly paid off. The only reason my credit score is  now in the mid 500s is because 1 ) Bank of America falsely charged me {$90.00} that was already paid on XX/XX/XXXX, and 2 ) Bank of America never notified me of the late and unpaid fees that began accruing in XX/XX/XXXX. 

I have not had a change of address and no change of email or log-in information, so there is no excuse for Bank of America to have not communicated these fees and charges. Now they want me to pay {$270.00} for a {$90.00} charge, that I had already paid off. Also, my once-excellent credit is now terrible.
Consumer complaint received 2020-06-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Midwest Recovery Systems (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2024-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (OH)

I have sent letters to request that the debt be verified or removed. The debt was not verified and was removed from my credit reports only to be sold to a different collection agency and is now back on my credit report again and I'm going around in circles.
Consumer complaint received 2020-06-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The credit reporting calculations are a farce and a discredit to those who must endure the financial difficulties due to the inept scoring by Transunion and XXXX  alike. When payments of {$75000.00} - {$100000.00} are reported on my total debt the scoring goes up 2 points. However when a {$19.00} charge is reported on a revolving charge card ( XXXX XXXX ) that is usually paid off before it is even billed the score goes down 2 points! ( All my cards stay at a XXXX Balance due to timely payments before the billing cycle ) This inept scoring is totally unacceptable. It continues apparently unchecked by any governing agency. When I called to report my complaint to Transunion I was ( after several minutes of electronic dialogue and button pushing ) connected a XXXX   voice that was almost unintelligible, He would only repeat some scripted paragraph over and over and could not give reason to my query. These reporting companies continue to affect good peoples potentially good credit with some off-hand form of calculating that has no rhyme or reason and can not or will not be explained by their representatives. It seems they are nearly untouchable and intentionally oblivious to the people whose financial lives are in their hands. It seems like everyday there are new class action suits for many things that go unchecked far too long. Maybe they are next.
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I contacted Bank of America via phone to ensure I had Overdraft Protection on my checkings account ( around XX/XX/19 ) and would not be incurring Overdraft fees in the result of a withdrawal. They informed me I did, in fact, have Overdraft protection and should not be incurring fees. 

Shortly thereafter, on XX/XX/19, I ordered things through XXXX and XXXX took money directly out of Bank of America instead of my XXXX balance ( I hadn't realized the funds would go out of the account but when I saw they did, I remembered the phone call I had with Bank of America where they said I had protection and didn't panic, thinking I had the funds ). Bank of America then charged me XXXX dollars initially, and another XXXX dollars pending in overdraft fees ( an estimated total of XXXX dollars ). I  called them and asked them why I wasn't protected on XX/XX/19. They informed me that even though the credit card used for the protection had plenty of credit on it, it couldn't be used for cash beyond what had already been used. They informed me that " Overdraft Protection '' doesn't mean I am protected against overdrafts, but merely that I have an account set up with them ( but the account I had set up with them would not work ). I asked why when I called to ask about whether I was protected, the limited line of cash credit in the account in question ( which is also a Bank of America credit card account ) were not mentioned, they said I had only asked whether I was protected not whether they would be able to transfer funds over ( and there was a difference between being " protected '' technically and as a matter of whether I was actually protected ). They explained they could tell me I was protected but they were not in charge of ensuring the protection worked unless I directly asked.