davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (IL)

New American Funding Corporate Office : XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 

Was my loan servicer for a VA loan, I was credited by the seller for 11 months of property taxes at closing to keep me from having to fund the escrow account for the taxes for 2021. In the state of Illinois I am exempt from property taxes as a 100 % XXXX vet. XXXX XXXX knew this, they knew this as they did not factor taxes into my escrow only insurance. My exemptions have been filed with XXXX XXXX and provided to new XXXX, however they have added an additional payment of XXXX a month for property taxes I do not legally owe and they know this. 
My loan number is XXXX, I have made my payments as agreed upon when I bought the house. But no one can explain where the money I was credited for property taxes for 2021 went to. I was a VA loan so that limited what I was required to bring to closing.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I have tried to dispute this account over and over again with Experian. The collection agency has provided me with proof that the account first became delinquent in XXXX and it should come off because it is past the XXXX  year limit for collections. Please find the attached proof. I submitted a complaint on XX/XX/XXXX complaint # XXXX. The complaint was incorrectly closed because Experian states that I am not authorized to submit changes or corrections to my credit report. This is not true. I am the authorized person because it is my credit report. I have tried to contact Experian and they refuse to take my call to correct this matter. Please look into this issue and have it corrected. Thank you.
Consumer complaint received 2022-10-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, RI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$5400.00}
Consumer complaint received 2022-03-15
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. (PA)

according to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted XXXX XXXX or Experian such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX, XX/XX/XXXX of listed late payment 2. XXXX  XXXX XXXX, XXXX of XX/XX/XXXX listed late payment 3. XXXX  XXXX, XXXX XX/XX/XXXX of listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
Kind Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Consumer complaint received 2015-09-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NV)

Over the past few months Chase has sent me letters about ways to contact them to discuss my mortgage. I have tried calling the phone numbers they provide on their letters only to dial the extension they provide and have the call automatically hang up. When a rep does answer the phone, they say they have no record of the letter. That is what happened today when I called regarding the letter dated XXXX/XXXX/15. I also tried again to call the number and extension on the letter dated XXXX/XXXX/15 only to get a recording that the extension is not valid and the call automatically disconnected. My complaint is that Chase is sending me letters with false contact information and this is an unfair business practice. Chase and other banks should not be allowed to send their customers with false and misleading information on their letters.
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

according to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted TransUnion XXXX or XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX, XX/XX/XXXX of listed late payment 2. XXXX  XXXX XXXX, XXXX of XX/XX/XXXX listed late payment 3. XXXX XXXX, XXXX XX/XX/XXXX of listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
Kind Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Consumer complaint received 2024-03-05
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. (GA)

When I reviewed my credit report, I discovered that some of the information was 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 accounts need to be investigated and corrected from 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (MI)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-06-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (FL)

I went to dealership got approved for a car financed the car paid a down payment on car got my own insurance all to find out I was never suppose to pay a down payment for this car per consumer law code 15 us 1605 finance charge all that was suppose to be include in my fincance charge 15 usc code 1662 state down payments are illegal 15 is code 1635 I have the right to rescind
Consumer complaint received 2023-06-25
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: ENCORE CAPITAL GROUP INC. (TX)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuit 15 USC 1681b 2 company has also no permission to report anything using my info pursuant to 15usc 1681 4
Consumer complaint received 2021-07-26
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. (MI)

On XX/XX/2021, at XXXX XXXX  I tried to call XXXX at XXXX since they have a collection on my report for {$1700.00}. 
I was on hold for 20 minutes as they could not find my account. I gave them my social security number like 2 times and they could not still find my account. I was transferred to XXXX and hung up after 35 minutes. 
I have called back on XX/XX/2021, at XXXX XXXX  and they still can not find my account under my social security number. I asked them to send me a letter to have removed my report and they say they can not do that. Yet their collection is not accurate on my report and I want it removed or closed. 
They ask for the account number and what the credit report says, is not an account number of theirs. 
I have disputed this and the reporting agency will not remove this from my report. I want this off my report as the company has no record of my account with my social security number.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (VA)

I made a reservation for an apartment on XXXX on XXXX/XXXX/17 and charged {$1600.00} on my Chase Visa credit card. I learned the next day the host was a fraud and contacted both XXXX and Chase to report the problem. Chase said they could not dispute the charge because it was still pending. I cancelled the reservation and under the XXXX policy I received a partial refund. I disputed the charge for the remaining amount with both XXXX and Chase. XXXX admitted the host was a fraud and said they were working through the issue. Chase would not agree to contact XXXX to determine if charge was fraudulent. I had the acknowledgement in writing from XXXX that the host was fraudulent. Weeks went by and Chase continued to do nothing and insisted was responsible for the charge because I knew the cancellation policy therefore I was responsible for the charge. Chase was unwilling to protect me from XXXX keeping my money for a fraudulent host. Finally after multiple emails, calls and influence from XXXX news, XXXX notified me that they would refund the remaining amount I had paid. I am actually more upset with Chase credit because they were completely unwilling to conduct any research with XXXX to assist and protect me despite the close to {$1000.00} fees I pay to Chase each year to have XXXX credit cards with their company. I contacted all the major news stations in my area because I wanted consumers to know both XXXX and Chase credits cards do not protect consumers from fraudulent hosts. In fact, XXXX is interviewing me next week on this story. I sincerely hope your organization will contact Chase and not allow this practice so that other consumers do not find themselves in the same situation.
Consumer complaint received 2022-02-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-10-11
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. (NJ)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX BANK XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX  XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}, If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (PA)

Opened account with citibank for a promotion of XXXX if I maintain a XXXX balance for 60 days. Account opened on XX/XX/XXXX. Promotion stated make deposit within 7 days and maintain a XXXX balance for 60 days, get paid XXXX withing 30 days after meeting requirements. 
I called after 90 days in Late XXXX, they said it would be credited by End XXXX. 
I met requirements no bonus was paid, called back XX/XX/XXXX, they opened a case to look into it. Case # XXXX, never called me back. I called them XX/XX/XXXX, they said case resolved and I would not be paid bonus, because I had closed a previous account in XXXX of XXXX. 
This was never part of requirements on the web site when I setup account. 
This is Fraud, and if that were the problem they could have said that to me in XXXX, instead leading me on to keep my money tied up longer in their bank. 
I have cut checks to my other banks today to move funds, and will close this account as soon as funds hit my other bank.
Consumer complaint received 2022-10-11
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 dispute is about correcting the fraudulent information showing on this report because of identity theft. You've failed to provide evidence of any authorization by XXXX XXXX, or any permissible purpose by him to have these inquiries, accounts, or fraudulent personal information publicly posted to this account. These inquiries were a result of identity theft and were not authorized by XXXX XXXX. You're now required to remove these inaccurate inquiries, innacurate accounts, and inaccurate personal information on this report immediately or you are your executives will be sued by not only me, but by CFPB. 

Transunion calls itself a Credit Bureau but the ONLY Bureau is CFPB. It is illegal to impersonate a legitimate government entity for financial gain! I will sue all of these clowns. If someone at CFBP wants to sue at the same time please contact me. 

The inquiries to be removed are : XXXX. XXXX XXXX : Location : XXXX XXXX XXXX, XXXX, VA XXXX, Requested On XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX  : Location : XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX, Requested On XX/XX/XXXX XXXX. XXXX XXXX XXXX ; Location : XXXX XXXX XXXX XXXX, XXXX, IL XXXX, Requested On XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX ; Location : XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; Requested On XX/XX/XXXX XXXX. XXXX XXXX XXXX ; Location : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ; Requested On XX/XX/XXXX XXXX. XXXX XXXX : Location : XXXX XXXX XXXX, XXXX, VA XXXX ; Requested On XX/XX/XXXX XXXX. XXXX  XXXX XXXX  ; Location : XXXX XXXX  XXXX XXXX, XXXX, IL XXXX ; Requested On XX/XX/XXXX XXXX. XXXX XXXX ; Location : XXXX XXXX  XXXX, XXXX, VA XXXX ; Requested On XX/XX/XXXX XXXX. XXXX ; Location : XXXX XXXX XXXX XXXX, XXXX XXXX, TN XXXX ; Requested On : XX/XX/XXXX These inquiries aren't mine and Transunion thinks just because they have a monopoly over our personal information that they can control us. I will COME FOR YOU IN COURT AND LEAVE YOU ALL BANKRUPT. I OWN THE XXXX XXXX Transunion is the Trustee of an implied trust which was created by the reception of my personal information which is known as " trust property ''. XXXX XXXX is the beneficiary and you must listen to my wishes and I wish for you to delete these inquires immediately or you will have no houses to live in, all frozen bank accounts, seized assets, no cars, and lose the ability to accomplish all of your greatest wishes and deepest desires while you and your XXXX board rot in XXXX  for 20 years each under the XXXX XXXX for creating unfair monopolies.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I received a letter, on XX/XX/XXXX, from XXXX online banking ( XXXX XXXX XXXX, XXXX, NY XXXX ), that my account was closed on XX/XX/XXXX ( See attachment ) and the funds transferred to Citizens bank. I did not authorize the transfer nor was I given any advanced notice of the pending transfer. I was getting .XXXX  interest and, with Citizens, I only receive XXXX interest. When I attempted to close the account online, via a funds transfer, I received an error message stating that it could not be made because the transfer exceed the maximum amount. I then contacted Citizens ( Main office - XXXX XXXX Bank XXXX, XXXX, XXXX, RI XXXX - customer service t ( XXXX ) XXXX ( XXXX XXXX XXXX, Branch manager ) and was told that there is a transfer limit of {$10000.00} per day ... Or, if I did not want to make DAILY TRANSFERS of {$10000.00} until I reach a zero balance, OR I could go to a local branch ( A FOUR-hour drive ) to close the account. I explained that I did not open the account at their bank and, therefore, I did not agree to any of their limits on transfers. His answer : " Sorry for the inconvenience. You also can send a Notarized letter to the bank and ask to close the account which would take up to 10 days to process. We will then mail you a check as soon as your signature is verified. ''