davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: G&P Enterprises, LLC (CA)

Collection agency garnished my wages in XXXX. The original debt was about {$2400.00}. Every two weeks my employer takes {$480.00} from my paycheck. They have never sent me a statement until I asked on XX/XX/XXXX. After review it appeared they are taking about XXXX  % in " fees '' payable to them. I've asked three times for an accounting of how and where my payments were applied. They offered to reduce my remaining balance by half but still won't provide an itemized accounting. Also, they are charging me duplicate fees for various items such as " garnishment fees ( 4 times ), " small claims fees ( 3 times ), and man other repeat fees. The last fee on the statement is {$15.00} for Notary Fee and added to my account on XX/XX/XXXX. Their failure to provide an accounting, and offer to reduce my remaining debt by XXXX  % tells me something is not right. They've been in business since XXXX. I have their emails to me if needed. I am attaching a copy of the statement they sent me on XX/XX/XXXX. 

I hope you can help resolve this matter and get them to return the overcharge of fees. 

Many thanks, XXXX XXXX
Consumer complaint received 2020-02-21
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. (TX)

I disputed XXXX XXXX XXXX and both XXXX  and Equifax came back and verified it as valid. It is my belief that E-OSCAR was their mode of verification and a valid investigation was not done. Credit bureaus and creditors must take certain actions in response. Their duties include conducting a reasonable investigation of my dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. It is my belief that bothXXXX  and Equifax did not review the evidence presented or even contact the furnisher. I submitted a direct dispute to XXXX XXXX XXXX on XXXX under the under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4 and I  advised them should they find the disputed information to be inaccurate or incomplete, or if Scribe can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. Identification of the specific information being disputed : XXXX XXXX XXXX as shown on my Credit Reports, is showing incorrect information. 

I gave 30 days to validate. But they MUST cease collection efforts, and that includes reporting to the CRAs on myself and the joint responsible party. They are also not allowed to list the debt on my credit report after receiving this dispute, please delete promptly. I asked that they can not call, write, sue, or continue reporting to the CRAs. 

Basis for dispute : I was asked by the owner to take over the lease early from the existing tenants due to their inability to fulfill their financial contractual obligation. However, we never received any documentation of what issues or damages were made by them before we moved in. These damages belong to the original XXXX primary lease/account holder ). 

We paid a deposit between the amount $ XXXX {$1500.00}. For this alleged debt, no document of where that deposit was applied was ever reported. We never received the deposit back. This reported balance is incorrect ( agencies Equifax, XXXX  and XXXX ) Date first reported XX/XX/XXXX ( Equifax, XXXX and XXXX ) is incorrect. 

Copies of all maintenance requests that were made from the original tenant that we took over the lease for plus our requests/approvals from the owner until our lease term ended was never provided to myself or the joint responsible party. 

Unauthorized charges were made due to the vendor invoices from each vendor that was used upon move out to fix alleged damages. 

Scribe violated my rights by not responding because they knew they had not ever notified or validated the debt they contacted a " collection agency '' 10 days after I told them no further collection efforts should be made until validation deadline XX/XX/XXXX. This is completely
Consumer complaint received 2018-12-29
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: CITIBANK, N.A. (CA)

XXXX/CBNA Account Type : Charge Account Account Verfied : XX/XX/XXXX Date opened : XX/XX/XXXX High Balance {$1700.00} Debe was result of identity theft!! 

Contact with banks has not been resolved
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX is constantly changing the balance they say I own on my credit report. The account shows charged off and is constantly updating higher balances on my credit report. I have sent in letters to XXXX XXXX XXXX XXXX and the credit bureaus asking for debt validation that this is in fact my account. I had an account with XXXX XXXX XXXX XXXX before and I paid it off as agreed and it is closed. There is this charge off account on my credit report that is constantly changing balances that don't belong to me. No one as sent me any correspondence of proof that they verified this debt is mines. Even the credit bureaus have not done their part in investigating this. The account I am speaking of ends in XXXX per my credit report. I demand this be removed from all three bureaus since I have been disputing this for years and no one looked into this for me.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX is constantly changing the balance they say I own on my credit report. The account shows charged off and is constantly updating higher balances on my credit report. I have sent in letters to XXXX XXXX XXXX XXXX and the credit bureaus asking for debt validation that this is in fact my account. I had an account with XXXX XXXX XXXX XXXX before and I paid it off as agreed and it is closed. There is this charge off account on my credit report that is constantly changing balances that don't belong to me. No one as sent me any correspondence of proof that they verified this debt is mines. Even the credit bureaus have not done their part in investigating this. The account I am speaking of ends in XXXX per my credit report. I demand this be removed from all three bureaus since I have been disputing this for years and no one looked into this for me.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX is constantly changing the balance they say I own on my credit report. The account shows charged off and is constantly updating higher balances on my credit report. I have sent in letters to XXXX XXXX XXXX XXXX and the credit bureaus asking for debt validation that this is in fact my account. I had an account with XXXX XXXX XXXX XXXX before and I paid it off as agreed and it is closed. There is this charge off account on my credit report that is constantly changing balances that don't belong to me. No one as sent me any correspondence of proof that they verified this debt is mines. Even the credit bureaus have not done their part in investigating this. The account I am speaking of ends in XXXX per my credit report. I demand this be removed from all three bureaus since I have been disputing this for years and no one looked into this for me.
Consumer complaint received 2016-06-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My wife and I have been working with Bank of America for the past month in trying to get our mortgage application approved. When we first started this process, our issues with other lenders have been ( i ) having my wife 's income included in the calculation of our debt to income ratio ( my wife commences her graduate residency on XXXX XXXX ) and ( ii ) closing as scheduled on XXXX XXXX, 2016. We were assured from the beginning and multiple times throughout the process that this would not be an issue for BofA. The only reasons we agreed to work with BofA were my prior relationship with BofA and their promise ( after being made fully aware of my wife 's start date and nature of her job ) that they would include her income and get the loan funded in time for our scheduled closing. In reliance on this assertion, we worked expediently in getting our application processed as quickly as possible and provided all documentation asked of us promptly in order to complete our application. After a long and arduous process, we were informed the week before the scheduled closing that BofA would not be able to live up to its promise and would not be able to include my wife 's income until she actually started working and that closing could take place no sooner than XXXX. After submitting a complaint, BofA suddenly changed its tune and now says that it somehow managed to obtain the information it needs to include my wife 's income, but at this point, given the timing, the financing we need will not be available by the scheduled closing. 
We are extremely disappointed with BofA 's handling of our application. Had we been informed from the beginning that BofA would ultimately have the same problem that each other lender has had, we would not have wasted so much time, energy and expenses in trying to push this forward. The entire process could have been halted many times. Instead, we were promised in no uncertain terms that the documentation provided to date was satisfactory ( we had even had my wife 's graduate school revise language of an existing letter at BofA 's request to satisfy concerns by the underwriter ) and that the underwriter would have no issue with including my wife 's income and approving the loan in time for a XXXX XXXX closing. As such, we demanded reimbursement of the expenses ( i.e., appraisal and HOA certification fee ) that we incurred during the course of the process. BofA agreed to reimburse the appraisal, but because the HOA certificate fee was not paid directly to them, they could not reimburse the amount. This is despite the fact that we were told by BofA that we needed to order the HOA certificate in order to process our application as soon as possible, and were immediately urged to have it ordered on an expedited basis ( which added additional fees ). Altogether, the unnecessary HOA certificate order fee came out to {$300.00}.
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I have been struggling to reach resolution about my mortgage interest rate lock with my lender. On Thursday XX/XX/XXXX I received an email from XXXX XXXX. She replied that day copying in my loan officer to assist. However, my loan officer was out of the office thus preventing me from locking my rate on that day. 

Upon receipt of that email I attempted to lock in my rate a phone representative told me on a recorded line that i could only do that with my loan officer via telephone. 

I did not hear from XXXX or Penfed so I followed up on XX/XX/XXXX asking about locking in my rate. I got a auto reply that she was out of the office until XX/XX/XXXX. 

I received an automated message later that day that my rate has been locked in - nobody ever contacted me, there was no discussion about the option to buy points. I immediately emailed XXXX upon seeing this on XX/XX/XXXX saying that this practice was problematic and that I had been mislead by the phone representative and not given the option to lock in my rate in the days and weeks before. 
I was denied the option to choose from the published rates offered and also suffered harm due to unnecessary delay on behalf of my lender. 

My loan officer also advised that to " change '' my rate i would have to pay a XXXXpoint fee. This response is unacceptable. 

I have called several times and have not been able to speak to a supervisor about my concerns. I have been told several times that I will get a call back that never comes. I would like assistance with from your regulatory agency to assist with this request at this time. I have all exhausted efforts with the lender at this juncture. 

.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

please find attached the creditor letter for which they have approved to remove the fraud account from my credit report, i have already submitted this letter to both XXXX and XXXX, but still they have not removed this account except XXXX. 
XXXX needs to remove right away instead of disputing this account. 
thank you for your cooperation
Consumer complaint received 2022-03-22
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 — Problem with personal statement of dispute
Company: Mercedes Benz Financial Services (NC)

In 2013 I lost my business due to a divorce. It was a great business that I had done very well at for over 10 plus years. I was unemployed for several months. I had to have XXXX on both of my feet. So I suffered a great loss of income during this time. I also owed the irs a great deal of money in sales tax. I had to pay them. I got it paid back. I had to give my car back. It wasnt what I wanted to do but I had no choice. 
Mercedes is continuing to report this to my credit every single month and it is hurting my credit. It has been 6 years. I just dont feel like I should have to continue to suffer from this any longer. It was a devastating time in my life. I have tried to get past it and do better. So if there is anything you can do to help me it would be greatly appreciated. 

Yours sincerely,
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TrueAccord Corp. (NY)

I tried contacting True Accord after receiving a letter in the mail in an attempt to collect a debt in which I sent an email as one of the methods indicated for the dispute in regards to dealing with a third-party app named XXXX not working on my behalf to deal with a fraudulent merchant that they sponsored on their website. The email was sent on XX/XX/XXXX, and they have yet to respond to my dispute nor acknowledge that they received my dispute. A week following I sent a follow-up email which they also have not responded to. The amount requested is {$760.00} which I deny and do not accept as a charge being that the merchant whom I purchased from was not as described and was not up to the company 's promise or standards. 

A quick background on the debt : I made a purchase in XXXX of XXXX and have dealt with negligence from the merchant from the very beginning. I have called and been strung along, emailed over and over, and even contacted XXXX, the third-party payment app to contact the merchant as well. XXXX denied after several attempts to handle the situation or contact the merchant after getting no response from them either. XXXX began to get very upset with me for contacting my original payment card used to dispute the charge due to fraud and mislabeling from the merchant on top of negligence and stopped offering to help me. After months of requesting a refund and offering to return the item for my funds to be returned, the company changed their refund policy online and I was not able to retrieve my funds due to this being a new term they added after my purchase and after my complaints. XXXX also has deleted my warnings and reviews from their online websites and social media accounts and only keeps positive reviews. I have reported the merchant to the XXXX  and I was informing XXXX of this negligence and constant fraudulent behavior constantly and even requested that they would remove this merchant from their app as a form of punishment. Instead of helping me as a consumer, XXXX wanted to keep the merchant happy and was instead asking me to handle the situation on my own after months of no response and being at a standstill they have reported my debt to True Accord who are requesting for me to pay them the full amount before XX/XX/XXXX.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (OH)

On XXXX/XXXX/16 I had with the continues calls from Chase & asked that they remove my phone numbers from their records. This however, was not honored so the calls continued. Everyday since XX/XX/XXXX I received 4-9 calls/day. On Sunday 's they doubled their efforts & called me every 1/2 hour.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (IL)

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX  XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Reference Number # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2023-06-08
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. (NV)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2022-05-04
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. (FL)

In accordance with the Fair Credit Reporting act 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 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

In XXXX XXXX XXXX illegally foreclosed on my house. I filed a lawsuit against them and also a complaint with the XXXX XXXX XXXX. 

This item should not be on my credit report. It was an illegal act. But Experian and XXXX will not remove it.