davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-10
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: Experian Information Solutions Inc. (AL)

i sent certified letters as well as affadavits in regards to this matter I SENT CERTIFIED LETTERS TO THE UNITED STATE BANKRUPTCY XXXX DISTRICT OF ALABAMA IN REGARD TO THE COURT 'S PROCEDURES FOR FURNISHING INFORMATION TO CREDIT BUREAUS AND THE METHOD OF VERIFYING THAT INFORMATION WITH CREDIT BUREAUS AND THE LETTER THAT WAS SENT BACK TO ME SAID THAT THEY NEITHER FURNISH INFORMATION TO NOR VERIFY INFORMATION WITH CREDIT BUREAUS BUT YET THE CREDIT BUREAUS STATE THAT THEY VERIFIED THIS INFORMATION SO THAT IS SHOWING THAT THE CREDIT BUREAUS ARE LYING THEY DID NOT VERIFY ANYTHING IN REGARD TO THIS BANKRUPTCY NOT THE ACCOUNTS THAT ARE LISTED UNDER THE BANKRUPTCY
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

XXXX XXXX XXXX initiated a suit in DC Superior Court in 2019 for default on a line of credit for their client Bank of America. 
There has never been any documents provided before by Bank of America or XXXX on this account. It is a fraudulent charge with debt collections initiated without any notice on the amount defaulted by either the bank of XXXX. Prior to the suit in DC, there has been no statements, emails or calls on this amount. 
Furthermore Bank of America closed a personal account without any information and provided a wire transfer of {$800.00} within the same time frame. 

Both actions severely impacted credit and ability to get employment. The bank has never acknowledged any emails or calls on these two actions nor has there been any further communication out of Court with either XXXX or the executive office of the Bank who has been provided this information through the DC Attorney Generals office.
Consumer complaint received 2018-05-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

Quicken Loans [ QL - Rocket Mortgage ] XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX / XXXX XXXX XXXX QL refuses to refund my {$500.00} on their failure to deliver a VA loan as promised. 

XX/XX/XXXX XXXX XXXX advised he could provide me with a VA Loan for {$280000.00} at 4.375 %, for {$1700.00} per month. I specifically quoted : On that basis, lets go ahead with an application for a Loan. 

I sent {$500.00} for Earnest funds, submitted all necessary docs, with my XXXX XXXX XXXX XXXX. 

On the phone XX/XX/XXXX XXXX acknowledged he originally began a VA Loan as I requested. However, afterwards someone else at QL changed it to a Conventional Loan.

Prior to Closing I noticed that over {$10000.00} was proposed for PMI. I notified QL and demanded the PMI be removed. QL replied that the PMI would remain because the loan was processed as a Conventional Loan, not a VA Loan. Additionally, the Loan was only for {$270000.00}, including {$10000.00} of PMI, w/pmts {$1900.00}.

I had never been told of this change so the QL caller advised he would have QL review all recordings to verify my claim and find out where QL failed to advise me, and report back to me with the findings. 

I waited 7 weeks for the review of recordings, but never recd another word from QL during that period. They were obviously embarrassed. On XX/XX/XXXX I sent a msg to XXXX inbox asking the current status of the Promised review. 

On XX/XX/XXXX I filed a complaint with the Federal Trade Commission ( # XXXX ) because no answer was forthcoming. 

On XX/XX/XXXX XXXX XXXX called ( see above earlier paragraph ) On XX/XX/XXXX XXXX XXXX acknowledged he found there had been some conversation with XXXX about a VA Loan but it was not definitive. He admitted no one had ever discussed a Conventional Loan with me, He apologized that I had not noticed until the week of the Closing. 

In my opinion, Quicken Loans does not have the customers interest in mind. They unilaterally do as they deem is best for them and ignore the facts, even when the recordings prove otherwise. 

-- -- -- -- - I've given up trying to buy the house. But since the loan was not delivered as promised, it is reasonable to get my {$500.00} deposit back. Who do I contact to make them do so?
Consumer complaint received 2018-05-18
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: Bread Financial Holdings, Inc. (CA)

I was going through my credit report and noticed five hard inquiries that do not pertain to me. The first hard inquiry is for PAYPALCREDIT the date of the inquiry states XX/XX/XXXX and the institution 's information is Paypalcredit XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The second hard inquiry that does not pertain to me is an inquiry that states XXXX/XXXX XXXX. The date for the inquiry states XX/XX/XXXX. I have never heard of this company in my life and I did not try to open anything under this. Institution information for this is XXXX/XXXX XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The third hard inquiry that does not pertain to me is XXXX/XXXX. The date for this hard inquiry is XX/XX/XXXX. I have never tried opening anything under this account. This is a fraud. The institution information is XXXX/XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The fourth inquiry that does not pertain to me is XXXX. The date for this inquiry is XX/XX/XXXX. Institution information is XXXX XXXX XXXX, XXXX XXXX. I have never tried opening anything under this company. The phone number is ( XXXX ) XXXX. 

The Fifth inquiry is XXXX. The inquiry date is XX/XX/XXXX. The institution information is XXXX XXXX, XXXX XXXX and the phone number is ( XXXX ) XXXX.
Consumer complaint received 2023-04-30
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. (NC)

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Account number is inaccurate, the Account Rating is inaccurate, the Payment Status is inaccurate, the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 2020-01-05
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: EQUIFAX, INC. (FL)

I've explained my situation to the credit bureau on several different letters. I am an identity theft victim and their are accounts on my credit report that does not belong to me. This is my last and final attempt to resolve this issue before I exercise my rights and contact a lawyer. I need these accounts removed immediately. I have a business I own and am being penalized because of these items that are reporting on my credit report and I'm also in the process of buying a home. I need these accounts removed immediately ....
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial (TX)

I pulled my credit report I noticed that this company charged off this account on my credit. If this account was indeed charged off the creditor has failed to provide me with a 1099-c. This company got a tax write off and I should not have this debt reported on my credit profile. This company has failed to send me any forms or any documentation showing that the creditor has the right to report this as a debt. I demand that this company remove this inaccurate information from my credit report immediately, due to this creditor violating 15 U.S. code 1681eb by reporting inaccurate information on my credit profile. According to the IRS a charged off account is considered to be ordinary income. This means this is an inaccurate account furnishing on my credit report. This is cancelled debt, and this company has filed this account on their taxes as income but is also reporting this account on my credit report as debt. The IRS also mentions that this company was supposed to send me a 1099-c form so that I can file this ordinary income. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual to whom the report relates. This creditor is also in violation of using the copyrighted artwork, FIRST MIDDLE LAST, without my prior written consent. This account must be deleted immediately.
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

Experian : Reporting : XXXX XXXX Acct A balance of {$1300.00} when the balance was Charged Off as of XX/XX/2016. The Balance should be 0 ( Zero ). This is a blatant violation. 

They are also reporting that there have been XXXX more charge off dates of XX/XX/XXXX and XX/XX/XXXX, since the account was closed back in XX/XX/2016 and is negatively impacting my credit score, making it appear that this is new information. The Charge off dates Reported seem to correspond with the dates that I sent in Disputes. This is totally inaccurate and misleading as well as re-aging the account inaccurately. 

I have also requested an Original Signature showing that I have a legally binding contractual obligation to XXXX XXXX. Which I have never received. 

Invalid Account # Listed I have disputed it in XX/XX/XXXX and again in XX/XX/XXXX and all they do is update the reported date and never fix the inaccurate and misleading information and causing my credit to look as if it's a brand new issue. The XXXX account was closed back in XX/XX/XXXX and not sure why XXXX is not reporting it correctly and they are refusing to send me any reason why. All of these items are a Violation to the Fair Credit Reporting Act.
Consumer complaint received 2018-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/XXXX, I closed on my house with a mortgage amount of {$2200.00}. On XX/XX/XXXX, I contracted Wells Fargo concerning receiving a letter stating that my City taxes had not been paid. Wells Fargo stated that the taxes had been paid. However, they would file a case for the further review and requested that I fax a copy over to them. I faxed the information over to Wells Fargo the following day. I contacted the taxing authority a couple of times to verify payment. Payment was not made by Wells Fargo until XX/XX/XXXX. I called Wells Fargo on XX/XX/XXXX to see how this payment was going to affect my account. I was informed that since the City taxes and County taxes were more than the amount calculated for my loan that I had a negative {$770.00} in my escrow account. The Wells Fargo rep stated that I was lucky to check on this matter now because when my escrow analysis runs in XX/XX/XXXX ; my mortgage would increase by {$500.00} to adjust for the shortfall. I asked why I was not notified on the shortfall. She stated that they do not have to provide this information until the escrow analysis is run. She also told me in order to correct the issue now ; I would need to make a payment for {$3000.00} and my mortgage would still increase by {$180.00} per month. So, I made an escrow payment of {$2500.00} on XX/XX/XXXX. I made {$110.00} escrow payment on XX/XX/XXXX. I spoke to another rep who stated that the entire payment would need to be paid by the end of XX/XX/XXXX or the system would automatically increase my payment by {$500.00}. I asked could they reverse some of my principal only payments to help get me to the necessary balance. I also asked if Wells Fargo could adjust the figures since this was their mistake. I was advised that this was not issue and that the Title company made the mistake and that they had already paid the {$32.00} late fee for the City taxes as a customer service gesture. At this time, I still owe an additional {$400.00} before XX/XX/XXXX if I do not want to pay an additional {$500.00} on my mortgage each month.
Consumer complaint received 2022-12-27
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-05
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. (FL)

I AM REVIEWING MY CREDIT REPORT AND FIND INCORRECT ACTIVITY IN MY CREDIT REPORT I FOUND A FRAUDULENT ACCOUNTS PLEASE DELETE THESE FRAUDULENT ACCOUNTS HERE I GIVE YOU THE ACCOUNTS AS A FRAUD.
Consumer complaint received 2022-07-06
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: SAN DIEGO COUNTY CREDIT UNION (CA)

I keep on sending request that this account has in fact late in making my payment last XX/XX/2020, because I never remember I paid late. I tried to contact the bureaus and the company so many times already.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

I pulled my credit report I noticed that this company charged off this account on my credit. If this account was indeed charged off the creditor has failed to provide me with a 1099-c. This company got a tax write off and I should not have this debt reported on my credit profile. This company has failed to send me any forms or any documentation showing that the creditor has the right to report this as a debt. I demand that this company remove this inaccurate information from my credit report immediately, due to this creditor violating 15 U.S. code 1681eb by reporting inaccurate information on my credit profile. According to the IRS a charged off account is considered to be ordinary income. This means this is an inaccurate account furnishing on my credit report. This is cancelled debt, and this company has filed this account on their taxes as income but is also reporting this account on my credit report as debt. The IRS also mentions that this company was supposed to send me a 1099-c form so that I can file this ordinary income. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual about whom the report relates. This account must be deleted immediately.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (VA)

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. 


XXXX XXXX BANK XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 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 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 2023-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC (MD)

I received a letter from Phoenix financial services about debt that was written off by the hospital in XX/XX/2020. I have told them it was written off but they still want proof after XXXX of no bills or calls if the health care providers I received a debt letter saying I still owed money. They say I own them XXXX when none of my bills list the accounts they are trying to collect from. They bought my debt from another company as well. I had no medical insurance and it was at the start of the pandemic.
Consumer complaint received 2019-02-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Zenith Financial Network Inc (CO)

The agency calls every day. Today I was able to answer the call. The representative XXXX explained who they were, what they were attempting to collect and asked me to verify the last four of my social. I did. I asked for proof or something in writing of what they were collecting. She stated that a letter was already sent out. I asked her to send it again as I never received anything. She asked for my address while I requested her to send it again. I asked her to stop talking over me and she hung up. I called back, explained I was disconnected and this time I was talking to a XXXX. XXXX again explained who they were and what they were attempting to collect. I explained that I wanted something in writing proving what they were collecting and who it was for. She said that she would let the consumer know I was disputing the collection. I told XXXX I was NOT disputing anything but simply wanted something in writing. She started yelling at me, telling me to pay my bills and to stop taking out loans that I can not afford to pay back. She repeated it over and over. I asked her to stop harassing me. She continued to repeat it. She said that she was going to put that I was disputing the claim even though those specific words never came from my mouth. She said she assumed that I wanted to dispute the claim and that she wasn't going to waste her time sending me anything in writing.
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Credit Karma (TX)

XX/XX/2024, I have two issues with Credit Karma and I have been trying to address with them and they have not provided anything. The first issue is that this is the second or third time they said that I have a guaranteed credit card and I have done this several times and I am denied the credit card and my credit score is hit for XXXX points and I am trying to rebuild my credit. Also I transferred money to credit karma on the XXXX and I still don't have it when XXXX takes it out of my account immediately and I am waiting for days to receive something is wrong with this I am not understanding how they are getting away with this.
Consumer complaint received 2023-05-24
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # 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.