davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

Our property taxes were due by XX/XX/XXXX. Loan Depot paid a portion of the taxes in XXXX but did not pay the total amount which made us delinquent on our taxes for XXXX tax year. We were contacted by the XXXX XXXX of the shortage and that we still owed {$7500.00} since Loan Depot only paid {$3700.00} of a {$11000.00} bill.We relayed this information to Loan Depot in the manner below is the email we sent to Loan Depot : THESE ARE TWO EMAILS WE SENT TO THE EMAIL THEY SUGGEST WE CONTACT : XXXX # 1 To whom it may concern, My husband XXXX XXXX and I spoke to a customer service rep on XX/XX/XXXX, about our taxes not being paid in full, we were told to fax the XXXX TAX STATEMENT we received to XXXX, this was done on XX/XX/XXXX. We called back and it had not shown that it was received, and we were told to also send this email with the XXXX TAX STATEMENT, which is attached. 
Please let me know if there is anything further on our end that needs to be done. 
Thank you, XXXX XXXX XXXX & XXXX XXXX THIS IS THE SECOND EMAIL WE SENT THEM AND GOT NO RESPONSE : # 2 To whom it may concern, We are requesting that we be reimbursed for the {$670.00} that we were penalized for taxes to XXXX XXXX, TX not being paid in full for XXXX. 
My husband XXXX XXXX and I spoke to a customer service rep on XX/XX/XXXX, about our taxes not being paid in full, we were told to fax the XXXX TAX STATEMENT we received to XXXX, this was done on XX/XX/XXXX. We called back and it had not shown that it was received, and we were told to also send this email with the XXXX TAX STATEMENT, which is attached. The taxes were still not paid and a penalty was applied for the amount of {$670.00}, this penalty was assessed while we still had a mortgage loan through the Loan Depot. There has been no communication and we were told by your customer service rep that the penalty would be taken care of and reimbursed through Loan Depot 's mortgage company. 
This has caused a major hardship on our family due to the negligence of your organization for the second year in a row! We hope to get this issue resolved, if this is not handled through your mortgage company we will have no choice but to file a complaint with the Consumer Finacial Protection Bureau ( CFPB ). 
Thank you, XXXX XXXX XXXX & XXXX XXXX
Consumer complaint received 2022-07-06
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. (NC)

I recantly went into 2 separate dealerships to finance 2 separate vehicles, both times I was already approved when I walked in, however they ran my credit over 20 times, here are the companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-22
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: Manhattan Beach Venture, LLC (IL)

The amount alleged owed {$7500.00}, on XX/XX/2014. I have contact and told this company this account is not mine and never has been. I asked them to send me proof that the account is mine with signature and they did not send me a response back very rude. I sent XXXX letters to them asking for removal of unauthorized account
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I recantly went into 2 separate dealerships to finance 2 separate vehicles, both times I was already approved when I walked in, however they ran my credit over 20 times, here are the companies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-06
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. (TX)

in accordance with the fair credit reporting act # numbers XXXX XXXX, and XXXX XXXX  XXXX, have 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 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Santander bank received a request fro XXXX and they [ aid it despite the fact that my account is the type pf account that should not be over-drafted. They should have returned the amount unpaid. They then charged my account XXXX $ in fees. When I called to ask for help, the representative told me she was closing my account. I asked her not to. I called 3 other times and spend more than 7 hours on the phone with them. They told me my account was reopened and everything was fine. Two months later, i started getting calls from a collection agency. The collection agency calls me several times a day and says there is no way to resolve the issue aside form paying the amount. I have spent enough hours on the phone with Santander bank and they need to delete the debt like they said they would.
Consumer complaint received 2024-03-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (FL)

I received this gift card as wedding gift on XX/XX/2023. It is a prepaid XXXX  gift card sold in packaging indicating it is worth {$200.00}. The issuer is listed as U.S. Bank National Association and is listed with the website XXXX  and phone number XXXX. The card is active for in-store to my knowledge but has never been used by me or my wife. Despite this, when I call the check the balance, the card is worth {$26.00}. When I ask to hear the transaction list, the system says no transaction has been recorded on the card. To test if the card was even functional, I attempted a {$14.00} purchase at a local restaurant and the transaction was declined. This is a fake, fraudulent gift card that is supposed to be worth {$200.00} and is actually just worthless.
Consumer complaint received 2021-06-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/2021 a summon for debt {$2900.00} from a company I have never heard of. Company representing XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX Phone number ( XXXX ) XXXX ext XXXX I returned a phone call on XXXX about The certified dispute letter to verified the debt. 
Called on XX/XX/2021 to follow up about verifying the debt. No update on verification.
Consumer complaint received 2021-04-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have written a couple of letters to all 3 credit bureaus requesting proof of verification of 2 bankruptcies on my report and also a collection from XXXX XXXX. All they write back is the item is accurate and has been verified but does not provide by who. The information is inaccurate and is damaging my credit. It takes them 30 days to send the results but do not supply the information I am requesting.
Consumer complaint received 2022-10-08
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. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

purpose.
Consumer complaint received 2022-07-06
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. (IL)

I sent a letter XX/XX/2022. Here are my tracking numbers XXXX, XXXX, XXXX, To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institute is suppose to share my information to any third party.

These are a clear violation of my federally protected consumer rights
Consumer complaint received 2022-10-08
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. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

purpose.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

XXXX XXXX BANK XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: STERLING JEWELERS, INC. (TX)

These problems are wit h Jared The Galleria O f Jewelry.  <P/> First, when I applied for the credit account, I was told the credit check would be a soft hit. It was a hard hit. They lied.  <P/> Second, I have received no information about how to pay down my account. Logging into their website and clicking on  " My Jared Card '' brings me to a page with recent orders, nothing to do with the credit account. When I contacted Jared via chat, I was told my address in their system was incorrect and they needed my birthdate to verify. When I provided my birthdate, I was told the date was incorrect as well. I was then told I needed to fax my state ID card to them. This is 2017, I do n't know where a fax machine would be, or how to use one. Additionally, I was told I needed to provide my account number when I faxed them. Trouble is, I do not know my account number and they wo n't give it to me since the information they have on my account is incorrect.  This is a circle of illogic.  <P/> I was also told I could visit my nearest store. The nearest store is prohibitively far away for such a trivial matter.  <P/> Finally, when calling their  XXXX  number, t  he automated system keeps saying " Sorry I did n't get that '' and will not connect me to a human.
<P/>
Jared messed up and now they are preventing   me from paying my debts.
Consumer complaint received 2021-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CT)

In late XXXX I started receiving collection notices from Afni / XXXX about a bill I didn't incur with XXXX. I called numerous times indicating to them that the debt was not mine. I sent a certified letter in XXXX to them contesting the debit and requesting more information. They responded by sending the bill. I called and confirmed that the debt was not mine. I thought the matter was resolved until I started receiving collection notices from XXXX XXXX. Today I am sending out another certified letter contesting the debit
Consumer complaint received 2022-10-08
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. (GA)

In accordance with fair credit reporting.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc 1681 XXXX XXXX # XXXX 15 u.s.c 1681 section 602 a.States I have the rights 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 ) ( s ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or gas reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-06
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. (TX)

FCRA violations : payments never late XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed XXXX  XXXX  XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$49000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5400.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$400.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Creditor recently l XXXX/XXXX/XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX, Closed. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$480.00} Status Open. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Open.. 


FCRA violations : accounts not mine XXXX BANK Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Account charged off. {$730.00} written off. {$730.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Account charged off. {$620.00} written off. {$620.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$1300.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1700.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Account charged off. {$2800.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Account charged off. {$1.00} XXXX  XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3300.00} Status Account charged off. {$1700.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Account charged off. $
Consumer complaint received 2022-02-17
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. (SC)

On XX/XX/2022, I filed a dispute for the inaccuracy of these accounts and submitted it to XXXX, Equifax, XXXX, and the company itself, but no one has responded. XX/XX/2022, I filed a Validation of Debt to the XXXX 's but still no response coming from them and refused to remove these inaccuracy items from my credit report.
Consumer complaint received 2024-02-13
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. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

This is a follow up of the previous complaint with number : XXXX that was filed on XX/XX/22. The following information that is still incorrect on my credit file that is evident when mortgage lender pulled my report includes : Name : As highlighted on the Experian credit report : XXXX XXXX My name is XXXX XXXX XXXX as my name is verified with my drivers license. 

Addresses incorrect : XXXX XXXX XXXX XXXX NC XXXX This is not my correct address I have never changed my drivers license in 20 years Employer Incorrect : XXXX XXXX XXXX NC. 
I do not work for this employer. 

Employer Incorrect : XXXX XXXX I do not work for this employer. 

Employer Incorrect : XXXX XXXX I do not work for this employer. 

Incorrect information of loan paid off as agreed XXXX XXXX XXXX It was paid in full as agreed.
Consumer complaint received 2021-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rubin & Rothman, LLC (NJ)

i received a letter from Rubin & Rothman LLC claiming i own {$12000.00} from an account that i haven't use for 4 years since i lost my job back in 2017. this account its been close and i don't even have access to it.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021, with follow ups disputes on XX/XX/2021, XX/XX/2021, XXXX, and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Consumer complaint received 2022-03-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (LA)

On XX/XX/XXXX and XX/XX/XXXX of 2022, I requested my contract and full file and audit traiXXXX. On XX/XX/2022 I was given access to a digital account and was told the information would be unloaded on two days. I logged in several times and they failed to provide me with the info I requested.