davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
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. (FL)

TODAYS DATEXXXX XXXX, XXXX R SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXXreditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which IXXXX sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2023-07-18
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. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-18
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. (IN)

I changed my legal name in XXXX of XXXX. On XX/XX/XXXX, I realized that my name still had not been changed with this credit bureau, so I started the process by calling them. They told me to submit a copy of by SSN card and driver 's license. I submitted both of them, then they told me they rejected it because I didn't attach a letter requesting my name change. I sent the information again with a letter, then it was rejected because they said that the letter didn't have the right information. I asked very specifically what information needs to be on the letter and copied exactly what they said. I sent it again, and this time it was rejected without giving me a reason as to why. I was told to file online, but, when I attempted to do so, I was given an error that says that I can not dispute this information because there is already a dispute under investigation, despite the fact that every dispute I filed has since been closed according to their website. Because of this, I have been unable to utilize my credit to get a loan, or lease an apartment. I want my name changed on my credit report.
Consumer complaint received 2023-07-18
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. (OH)

In accordance with the fair credit reporting act XXXX  accounts listed below has violated my rights. 

15 U.S.C 1681 section 602A States l 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 XXXX. XXXX XXXX XXXX  # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX  XXXX # XXXX XXXX. XXXX  XXXX # XXXX
Consumer complaint received 2022-04-16
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: ALLY FINANCIAL INC. (AR)

I HAVE ASKED ALLY AUTO FINANCE TO DELETE THE WHOLE ACCOUNT FROM ALL THREE CREDIT REPORTING BUREAUS AND THEY REFUSE TO. I NEVER GAVE THEM PERMISSION TO PUT ANYTHING ON MY CREDIT REPORT THEY ALSO VIOLATED THE TRUTH IN LENDING ACT AS WELL.
Consumer complaint received 2022-04-15
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)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; CHILDSUPPORT XXXX CHILD SUPP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I purchased a truck in 2023. The price before the extended warranty was XXXX. However when I saw the total price in the contract was XXXX. The warranty costed XXXX. Last XXXX my truck had to repair and I did use the warranty.
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (IL)

Currently have a loan with US BANK Mortgage. Reached out to them to take advantage of the low interest rates ( Refinance ). I connected with XXXX XXXX NMLS # XXXX His number XXXX at first he was very responsive. Once he ran my credit and got the process started he disappeared. Literally, I have emailed him, called, left messages, no response. Now, XXXX XXXX the loan processor is telling me that my Debt to income ratio isn't sufficient. That makes no sense to me since my income has tripled. I am not sure if I am being profiled here or just fell through the cracks. I can not get any answers from anyone and I am left high, and dry. I spent MONTHS submitting documents blindly. No closure, no one to follow up with, nothing. XXXX XXXX simply referred me to XXXX but he is MIA. I don't even know if he works there anymore.
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC (IL)

I am the Administrator of my father 's estate -- he died on XX/XX/XXXX, and my father was the mortgagee/account holder with UWM. Ever since his death, communication with this mortgage company has been beyond terrible. I submitted all requested documents with their Successor-In-Interest Dept. ( SII ) to include his death certificate, Letters of Administration as issued by the Court, all of the kids birth certificates and a copy of my I.D . and I received a letter on XX/XX/XXXX, stating they received all documents and their system is updated. However, thereafter when I call, sometimes they recognize me as the SII and sometimes they don't. Some agents say I am in the system and some say I am not. This is VERY inconvenient not to mention unprofessional and frustrating. About one week ago, I received a message to call XXXX XXXX XXXX XXXX XXXX XXXX. She called my Sister and advised my Sister she would only talk to me which means she knows I am the SII at UWM for this account. When I tried to return the call to this number, the agent that answered said they could not put me through because I was not listed anywhere in their system and they wouldn't even give XXXX XXXX the message that I called. It is hard to handle the business on this account. And now, because of the derelict and negligent way that UWM has handled communication on this house over the past year, the house has lost almost {$100000.00} in value and we have lost opportunities to sell the house. I at least wanted to get enough for the bank to pay the mortgage off and hopefully there would be something left over for the kids but now there may not even be enough value to pay the bank the full mortgage. I need someone at the company who knows what is going on and how to fix this to get involved. One hand doesn't know what the other is doing and it has made the situation with this account worse.
Consumer complaint received 2022-04-15
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. (FL)

XXXX accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

Since XXXX of XXXX  I have been dealing with the same chase dispute issue that chase does not want to resolve. They have not closed down a dispute that was opened months ago but instead keep re opening it and rebilling me multiples times for one transaction. I currently have 3 rebills of one transaction plus the initial one made that was paid out I have paid out 2 charges already but they keep charging me for something that was already closed down. I am trying to close ALL my chase accounts down because they dont want to resolve their mistake. They have not refunded me for the charges that are reflecting on my account which I do NOT owe. I have spoke to over XXXX agents managers supervisors which tell me the same thing my refund is coming the refund is on the way itll take 30 days 60 days 24hrs 48hrs 72hrs 7-10 business days and NOTHING is being done. EVERYTIME I call I get the same issue and the same excuse and waste my time looking into my account when all the calls are recorded the notes they say they put must show up on my account and yet they give me the run around about getting the amount returned and their mistake fixed for XXXX. I need help! I have called for 4 months and still have no resolution! Im ready to find a lawyer if I have to to clear my report and show it was not my mistake. They will charge fees that should not be and they are doing fraud on my account and dont want to fix it.
Consumer complaint received 2022-04-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Carvana Group, LLC (TX)

I traded my vehicle in to carvana. That vehicle had low miles and NO ISSUES whatsoever. The vehicle I received in return has had SECERAL ISSUES that I made carvana aware of. I got the vehicle in XXXX of XXXX and it had XXXX miles on it. Today, XX/XX/XXXX it has XXXX miles on it because I haven't been able to drive it the majority of the time I've had it. It has been in and out of the repair shop. When I tried to add the carvana care ( extended warranty ) it did not give me the option... which I would also like to note that the vehicle that I was trading into did not offer it either. The previous repairs were covered under their XXXX XXXX XXXX  warranty and the vehicle was put into the shop on the very last day of that warranty. Fast forward to present, a supervisor named XXXX approved me to trade the vehicle in buy when the new vehicle was to be delivered, they refused. The field rep named XXXX told me that my best bet was to do a voluntary repossession. I told her that would ruin my credit and she shrugged her shoulders and proceeded to drive away.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  is reporting a collection account on my consumer file. This account has been handled in the Magistrate Court. The case was DISMISSED due to failure of XXXX XXXX  to validate that this is a debt and that the debt belongs to me. 

The incorrect reporting of the account is damaging my credit and character on my consumer profile.
Consumer complaint received 2019-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My mortgage company, SLS, did not pay my XXXX county property taxes, despite me paying escrow every month. I was never informed of the nonpayment, and I just found out ( XX/XX/XXXX XXXX on my own accord that I am delinquent and owe {$5100.00} in back taxes ( which is {$680.00} more than the original tax bill of {$4500.00}, because of late penalties ). For background, I purchased the house in XX/XX/XXXX and another company ( XXXX ) originally held the loan. The loan was transferred to SLS, effective XX/XX/XXXX. Taxes were due XX/XX/XXXX. As a side note, SLS did provide me a {$4500.00} " refund '' via U.S. mail in late XX/XX/XXXX ( after SLS had conducted its annual escrow analysis of my account ). However, the only context SLS provided about this refund was that the payment was because of an " escrow overage. '' Again, at the time, they were unaware they had never paid my XXXX taxes. Phone records will show that I called SLS after receiving the check and asked what it was for. I asked the representative two or three times if I owed this money to the government and he said no, the money is yours ... it's just from an overage. To reiterate, at no point did SLS or the representative inform me that the {$4500.00} overage reimbursement was for taxes. When I spoke to SLS a few days ago ( XX/XX/XXXX ), they were surprised to learn they had never paid the taxes from XXXX. They have since paid the back tax bill, covering only the fees. They charged me with the principle, which I now have to pay as an escrow shortage.
Consumer complaint received 2024-04-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Dovenmuehle Mortgage, Inc. (NY)

In XXXX of 2021 Dovenmuele acquired my loan from XXXX. My mortgage was acquired while I was actively a part of a COVID-19 forbearance plan ( under the CARES Act ) in which allowed a temporary suspension of my mortgage payment by way of forbearance. 
During this forbearance period, the financial institution can not charge fees, penalties or interest beyond the regular monthly mortgage payment. 
Dovenmuehle has breached my deferral agreement, in which the bank agreed to bring my mortgage current and delay any repayment obligation for missed monthly mortgage payments without my accruing any interest or penalties. I would not be responsible for any past due amounts until the earlier of the maturity date of the mortgage, sale of the mortgaged property, or the payoff or the refinance of the mortgage loan.

Dovenmuele has breached the agreement by adding the total past due payments to the outstanding principal balance on the loan, effectively double- charging and improperly increasing the amount of my mortgage.

There are violations to truth-in- lending, consumer protection act, and to RESPA.

Dovenmuehle has misrepresented the application of the deferred payments as I've requested numerous times for an explanation for the substantial increase to my mortgage. I've requested an explanantion for the " new '' principal in which inflated my loan from {$100000.00} to nearly {$120000.00}. The forbearance plan was intended to help homeowners and yet I feel deceived. Dovenmuehle offered only a modification in which put me further in debt to Dovenmuehle and only offered reprieve for approximately one year. There representatives are rude, have no regard and have no explanation for the " new '' principal.
Consumer complaint received 2023-07-18
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. (GA)

I sent Equifax a dispute letter on XXXX XXXX and it was received XXXX XXXX tracking XXXX pertaining to account XXXX  XXXX. Equifax DID NOT insert the notice of dispute on my credit report which should have been there within 30 days, it has been 51 days since my letter was received. This is a VIOLATION of my rights and impacting my good character. I have attached doc.
Consumer complaint received 2023-07-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: JPMORGAN CHASE & CO. (OH)

On or around XXXX XXXX XXXX, Chase Bank allowed an unauthorized withdraw of over {$24000.00} in different large uneven denominations from our HELOC and transfer into our various accounts which was subsequently wired out to a credit union and and unknown individual in California. This occurred in at least 7 separate transactions over two days, which we were NEVER notified of. I noticed the huge amounts of $ being depleted from our HELOC and immediately reported this to stop the bleeding. 
I reported to the XXXX XXXX XXXX XXXX office and the FBI and the Ohio Attorney Generals office. Chase has been no help in recovering the funds stolen from our HELOC.
Consumer complaint received 2024-02-19
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. (CT)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
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