davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Experian has not investigated my complaint and has refused to remove these inquiry 's from my report. They refuse to provide proof of investigation and the time limit has passed. 
To date you have not done your duty as mandated by law. You'r non-compliance with federal law is unacceptable, you'r disregard for it contemptible. Rest assured I shall hold you accountable. Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see15 USC 41, et seq. ). I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (UT)

1 ) Several weeks ago I called Chase about removing my PMI payments and was informed about a special program whereby an appraisal can be waived if there is a significant positive difference between the current market value of my home and the price I paid ( XXXX estimates today 's value as {$230000.00} and I paid {$160000.00} ). I think this is significant. Accordingly, I requested an application be filed to have my PMI removed. 
2 ) Chase responded a week later with a form letter and an appraisal application. No mention of the above program for which I asked to be considered for. 
3 ) Again, I called Chase and complained there was no mention of the program that I requested I be considered for. This representative was also familiar with that program and said she would resubmit my request and specifically ask that they address this special program ( it had a name but I have forgotten it ), when responding. 
4 ) I called again 10 days later and I was told that that request was never made, that was no record of my call and the representative said " that no such program exists. '' I have gotten conflicting information from Chase Bank.
Consumer complaint received 2020-08-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (AZ)

The monies that the collection company is trying to collect and ruining my credit does not need to be paid back since the original company has sent me a 1099 and written this off as income.I was given an offer letter dated XX/XX/2017 ( trying to get in touch with the Headhunter to get a copy ) and nowhere on that offer letter did it state that i would have to return the relocation bonus if I didn't move forward with the job. After accepting the position I heard rumors that the company was in trouble and would be closing there doors so I decided not to move forward however the relocation monies that were given to me I had already paid out to move and get out of my current lease. The company has since closed and sent me a 1099 so i have already paid taxes on the same monies the collection company is trying to get me to pay.
Consumer complaint received 2020-08-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (AZ)

By my recent experiences ... GMAC and XXXX are totally unwilling to lower or eliminate monthly pmts during this deadly CORONA crisis. 

GMAC has tried to twist my arm to pay - even though I have no income nor money to pay. 
In my talks with their rep XXXX XX/XX/2020 their rep admitted that they don't really know what to do.. She grilled me if I have -- - Unemployment, XXXX ect. Everything she could think of to try to force me to pay ... To me these arrogant hard nosed companies are extortive Financial XXXX ... 

MAKE THEM HELP US!!!
Consumer complaint received 2020-08-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

Honestly, many things went wrong in my house buying process, but here 's the latest. I just recently found out my home loan is no longer a FHA loan but a conventional loan instead. All of my loan papers say FHA everywhere, I never refinanced. I did get a loan modification, but my FHA status never changed. 
According to my loan papers {$850.00} was an upfront fee. I called FHA to find what happened, they told me my FHA case was closed. No reason was given, at that point I called phh mortgage company, I was recently transferred. 
The company did a small investigation, about a week long, somehow, could not explain what happened. They did explain how investors buy mortgages and my loan became a conventional loan. I said can not happened except I sign off on it, He claimed I did, I said show me the papers with my signature and he later admitted he could not find the papers. I want that XXXX back, and I would like my FHA coverage again.
Consumer complaint received 2020-08-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I've wrote through several letters of attempts to remove inaccurate information and accounts that are in FCRA violations from XXXX XXXX XXXX XXXX. These accounts are still reporting on my credit profile. Multiple accounts are in FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The accounts are reporting inaccurate and different high balances, The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation. Some accounts were transferred and/or sold and still reporting a balance, this is a FCRA violation. Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN FINANCING CORPORATION (CO)

In early XX/XX/XXXX I applied for a cash out refinance loan through American Financing. On XX/XX/2020 I signed documents on the loan ( the documents had errors, like not having my name correct ). To properly close, the title company XXXX XXXX XXXX needed some additional deeds recorded. The loan was not funded and my existing mortgage remained. The loan processor at American Financing was aware of this and we had almost daily emails about the situation. In a letter dated XX/XX/2020, I received notification that my unfunded loan had been sold to XXXX mortgage company and my first payment was due on XX/XX/2020. Eventually I got deeds prepared at my own expense as the ones I received from XXXX XXXX had errors in them they could not seem to correct them. The loan finally closed on XX/XX/2020 and my existing loan was paid off. However on the new loan, I have been charged interest on the balance of {$180000.00} since XX/XX/2020 despite my not having the money. I never received updated closing documents from the title company either
Consumer complaint received 2020-08-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (AL)

Company is reporting an account past due and a charge off and past the statue of limitations for my state of alabama which is 3 years. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2024-02-26
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. (MD)

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 XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing to file a complaint regarding an issue with the reporting of my XXXX credit card account in my credit report. The debt for this account was charged off and subsequently sold to XXXX XXXXXXXX XXXX I paid the debt in full, and XXXX XXXX XXXX confirmed in writing that they would not furnish this information to the credit bureaus. 

Despite this, XXXX is still furnishing inaccurate information on my credit report, listing the account as a " paid charge off. '' I have disputed this information multiple times with both XXXX and the credit bureaus, but the issue has not been resolved. 

XXXX is in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibiting furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( b ) : Requiring furnishers to investigate disputed information and report the results to the credit reporting agencies. 

Also XXXX sold the debt to the debt collector who was not even licensed to collect that debt in the state of Nebraska. Which is another FCRA and FDCPA violation. 

I request that the Consumer Financial Protection Bureau investigate this matter and ensure that the inaccurate XXXX account is removed from my credit report permanently. Thank you for your assistance.
Consumer complaint received 2020-09-27
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (CA)

Hello, This is XXXX XXXX, My previous name : XXXX XXXX I was Changed my name 2 Years ago with Court Name Change. 
I Changed All My information through this time with all my Banks Debit and Credits. 
But still not Changed with ( Experian Bureau Credit ), is so hard options to change. 
first time when I called more than 1 year they said by phone, we can not change until we seen all your credit cards reported this change, but the banks already changed, I waited all these times but no change. 
I called them again by XXXX XX/XX/2020 they said just fax it to us all your documents. 
then I sent by fax all my change name documents like SSN Card, and court name change, and my state driver licence, with cover letter to explain. 
after 5 days they updates my information with wrong info. they updates just my last name. 
And keep my old first name. right now when open my Experian account no credit history to see. my name is wrong. 
I tried to call again with 2 more times then I fax it again, with no changed or update.
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (MO)

My entire work history is missing. 
I had error problems trying to download my report My report was not detailed. 
One address on my report I have not lived at since XXXX. I moved due to being unable to afford rent after paying a XXXX something dollar light bill which the lights were again turned off 3 days later. 
2 address are missing completely I moved to an apartment afterwards until the middle of XXXX, I was scammed by my landlord to my apartment to pay the water to the entire apartment in my name in order to use my washing machine. That being said, I lived in the apartment for a year. 
I then rented another house for a year with a roommate until XXXX. 
I started disputing issues in XXXX because of Several inquiries that were not myself and inaccurate information. 
My Current address I have lived at since XXXX of XXXX, It took me 4 years to add and correct my current address to other reports so I did not attemt dispute it with the company this time.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

ftc violations receivable recovery hippa violations all of them tele recovery inquires ftc violations not mine XXXX XXXX XXXX ftc not my address names not mine XXXX XXXX
Consumer complaint received 2016-02-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: E*TRADE BANK (NC)

A stop payment was requested for funds being taken from our account which the bank issued and then allowed XXXX to remove the funds from our account in the amount of {$160.00} and {$130.00}. When I noticed that these funds was removed from our account I called the bank who stated that their is nothing that can be done because the way that XXXX went around the stop payment request that was filed with the bank. This goes to the other complaint that was filed with your office in early XXXX 2016.
Consumer complaint received 2020-08-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

it has now been over 60 days since I sent letters out to the credit bureau with absolutely no response which I know is a violation of the FCRA even with the extended time period you have given them. PLEASE help in finally resolving this situation.
Consumer complaint received 2020-08-06
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)

ftc violations XXXX XXXX hippa violations all of them XXXX XXXX inquires ftc violations not mine XXXX XXXX XXXX ftc not my address names not mine XXXX XXXX
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

I am not certify the way that big company came out with there final results the why 1.It is true that the Address, Id, phone number, is main but during the process of me to get the TD BANK/TARGET CREDIT the company have to call the number and make sure that their are issuing the credit card to the right person if you make a call I will answer the call since I am holding my cell phone at hand right in-front of you or I may answer you from far away since I am not the right person .did you do that? 
2. Try to check my credit payments 3. I have never ever used store credit card except XXXX credit card 4.Also I want to know how many times I used the credit card for purchases 5. How long do I pay the the card.
Consumer complaint received 2022-10-25
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)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Fundo LLC (CT)

In the beginning it was explained to me that this particular loan was to help small business owners and there was no interest, but just a fee added on to the loan. Currently my payment status is up to date but the last time I spoke with the company I asked them about final payment and they told me I owed the amount {$1900.00} on top of the {$1200.00} Ive already paid them. I was confused about the total amount because the loan was only for {$1200.00} originally when I told them I was never explained any of these extra fees they seem to backpedal and couldnt explain anything and told me they can email me the agreement. The email stated that I abandoned the call with an agreement attached that I was never properly explained. I dont want this bad loan to affect my credit that Im so desperately trying to repair.
Consumer complaint received 2020-08-06
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX