davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Was not notified of investigation status or results
Company: HOVG, LLC (PA)

On XX/XX/2021, I filed a dispute in regards to the incorrect items on my credit report and its been 30 days and I haven't received any investigation results.
Consumer complaint received 2022-07-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (MO)

We signed paperwork with Flagstar bank in XX/XX/XXXX to complete a VA loan modification for our home that was in COVID forbearance. We made the first payment on this loan on XX/XX/XXXX, per the terms of that agreement. At the same time, due to having no faith that Flagstar was following the correct VA procedures, we placed our home for sale and planned to leave California. The home was sold on XX/XX/XXXX. When our closing escrow company called for the final payoff with Flagstar bank, it was without the partial claim amount that was created as part of the loan modification. 

This caused several issues, but the escrow company agreed to withhold the funds + {$20000.00} of our own funds in reserve, to ensure payoff when the partial claim was finally settled. Because Flagstar did not work with the VA properly to process the loan modification ( per XXXX XXXX, VA Loan Technician XXXX - XXXX EXT. XXXX ) the partial claim still exists at Flagstar bank. My repeated calls to Flagstar Bank continuously end in 'escalation ' to management/underwriting that frustratingly lead nowhere. All I need is the proof that the partial claim still exists at Flagstar bank, so that my escrow can be fully closed. 

Additionally, Flagstar bank repeatedly sent me to XXXX XXXX XXXX XXXX, who struggled mightily to help me, but they never received the partial claim and therefore could not help me. It was XXXX who escalated to the VA, who confirmed the error was with Flagstar Bank. Having been a Flagstar customer who routinely witnessed the bungling of even simple processes and the poor call center employees who seem powerless to help, I am not surprised that Flagstar bank found another way to XXXX things up. It's almost as if the company has decided it's purpose is to be obstructionist with respect to servicing of loans, and VA loans in particular. This is my second CFPB complaint in regards to Flagstar Bank. No other institution has ever led me to create another one.
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX Consumer, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX XXXX Balance - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance - XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-07-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX is attempting to collect debt on a policy that was canceled within XXXX hour and refunded back to me. Therefore, this collection Agencey and XXXX is in violation of falsely reporting a balance due when in fact the policy was canceled same day.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (TX)

Between XX/XX/XXXX and XX/XX/XXXX I applied for an automobile loan. The dealership sent my credit application to several lenders each time without my direct consent. I have called the lenders and none can produce a signed application for credit with their companies.
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (NC)

The name of the company is Conn ; s Home Plus. I have listed some of the phone numbers that they call from. I have to actually block their number from calling me because they will call a minimum of 10 times per day. In one instance, someone received a phone call from Conn 's Home Plus concerning my account and they were not even authorized to call the number. I had to call and make a complaint to advised that if not listed, they should not be contacting anyone for me without my consent. I understand that I do owe money and have done my best to keep the account paid, life happens. However, their phone calls are pure harassment. I have received calls from a collections agency before and they were never this abusive with their collection tactics. If I was not half was not nearly fully paid off with my purchase from them, I would return the item and leave a horrible review. I have told them on several occasions that they call too much. When my dad past, I told them to stop calling while I got his funeral arrangements sorted out and they still called me the next day. Its disrespectful. I will also add that, when they call, they mask their phone numbers and it appears to be some one else 's caller id. This is not something that happens all the time, but it does happen. That leads me to believe they are using a VOIP dialing that is hard to trace. How can a company use deceitful tactics like this when communicating to their customers. 

Call Times in EDT XX/XX/19 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call Times in EDT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call Times in EDT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call Times in EDT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These calls are just a few, but I can pull my call records for more times and days and from different numbers. I honestly have to block them for the number they call. Then they just call me from another one. These calls are also in addition to two to three emails every day. I simply do not want to talk to them because they will still continue to call and send emails even if you call them.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

15 usc 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. Duty of furnishers of information to provide ACCURATE information. It is PROHIBITIOn. Reporting information with actual knowledge of errors. A person SHALL not furnish any information relating to a consumer to AnY consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate. Duty, accurate and prohibition. 15USC 1605 determination of finance charge. According to the IRS any cancel debt must be file form 1099c. The IRS defines cancel debt as a XXXX, XXXX does not reported on consumer report which in fact makes the company of this account inaccurate. Reporting information after notice and confirmation of errors. A person SHALL NOT furnish information relating to a consumer to any consumer reporting agencies. 
The continuing reporting of this information is a clear violation of Law 15 usc 1681s-2 of your responsibilities as a furnisher of information and 15USC 1681q obtaining information under false pretenses. Any person who knowingly and willfully obtains information on a cunsumer reporting agency under false pretenses SHALL be FINED under Title 18imprisoned for not more than 2years or both. Experian even they received my written letter on XX/XX/2022 at XXXX tracking number XXXX explaining everything, they are still made an update today XX/XX/2022 XXXX. You were also put in notice ANY person meaning The consumer reporting a bench, who knowingly willfully reporting inaccurate information is violating the LAW. Failure to respond to this factory with deletion of the all charge offs will result in legal action being taken against the consumer reporting agencies for which I will be seeking {$1000.00} for violations. 15USC 15suits by Person injured. Defamation of character, negligent non compliance, civil liability and mental anguish.
Consumer complaint received 2021-06-14
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: EQUIFAX, INC. (AR)

In XX/XX/XXXX I applied for a home loan. My Equifax and XXXX  score were XXXX prior to application. In XXXX they would only increase my score by 1 point in consecutively and not monthly. It shouldve been above XXXX. I have not missed or been late on any debts for 6 years prior. And, the agencies were recommending several credit cards, home mortgage companies and commending me for paying my bills on time for the past 48 months. The reporting agencies dropped my score from XXXX to XXXX. When I attempted to resolve the discrepancies with the agencies, I was literally laughed at and told I needed to pay for my scores. When I said I would not, the Equifax agent said there was nothing else to be done and my scores remained bad. 
I have encountered age and race discrimination : age because Im XXXX ; race because of my skin race- XXXX XXXX XXXX I have suffered retaliation related to my race, and the XXXX XXXX XXXX XXXX. Surely there are laws against these acts against the consumer. Ive worked very hard to be a person of integrity, and having my FICO score drop 172 points because of my skin color is not acceptable. There are others The negative and old accounts are still present and they wont remove them. They thwarted my ability to purchase a home with low interest. There is a fourth agency along with XXXX, Equifax and XXXX  whose name I dont recall, who is reporting information thats more than 20 years old as well. My next step is to hire an attorney and sue the agencies which would annihilate my down payment on a home.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I have had a dispute over a {$170.00} origami purchase for over a month on a foldable butcher block rack that caught my fingers badly. Put the rack back in its box and immediately told the vendor to send a smart label because the product is dangerous. They gaslighted me. I disputed the merchandise and Chase gaslighted me as well. Ive called chase five times and sent XXXX more than a dozen emails. Im glad to return the item but its over 50 lbs. and I am under doctors care when hurt my leg. No one will address the issue. Chase just hung up on me. Their letter of depute was answered with a chase letter than theyre handling and have credited my account. Theyve done nothing and my account is paid in full each month. Its obvious chase dispute department gaslights customers.
Consumer complaint received 2021-06-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service (CA)

This complaint involved a credit card under my wife name who is a victim of identity theft. we reported a fraudulent charges on our billing statement and was told it will be investigated but instead continued to mail us statement every month with demand of continued payment while waiting for their investigation which never happen and now we received a letter saying it is in their collection department. Hoping someone can help us thank you so much.
Consumer complaint received 2021-06-14
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: CITIBANK, N.A. (CA)

I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AE)

I have had a USAA Master card since 1988. This account has always been in good standing. Recently USAA switched to Visa without my permission or consent. I called USAA to tell them I do not want the Visa and to cancel it. They stalled, put me on hold, switched me to a supervisor who told me if I cancel the card it will hurt my credit score, in essence a coercion tactic. This can not be legal or ethical.
Consumer complaint received 2022-06-30
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. (MN)

Trying to work with Equifax has been horrible. Terrible language barrieries and repetitive script reading. I have submitted multiple FTC reports regarding the inquiries. These have yet to be removed because the agents at Equifax can not read. Here are the inquiries I have requested several times to be removed. 

( ( XXXX XX/XX/XXXX ) ) ( ( XXXX XX/XX/XXXX ) ) ( ( XXXX XX/XX/XXXX ) ) ( ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) ) ( ( XXXX, XXXX XX/XX/XXXX ) ) ( ( XXXX XXXXXX/XX/XXXX ) )
Consumer complaint received 2022-12-03
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. (FL)

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-28
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. (FL)

HELLO I AM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL FRAUDULENT INQUIRIES FROM MY CREDIT REPORT HERE I LEAVE IDENTITY THEFT GURDAR ON MY CREDIT REPORT
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX reported to the consumers reporting agencies for an unpaid account three years ago and that account is now paid in the full amount. 
XXXX XXXX credit company, XXXX, and Transunion credit reporting agencies are refused to remove/delete the fully paid & closed account from my credit report history. 
Paid Date : XX/XX/2021 Amount Paid : {$69.00} Payment Confirmation Number : XXXX Paid Date : XX/XX/2021 Amount Paid : {$99.00} Payment Confirmation Number : XXXX
Consumer complaint received 2022-10-08
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$830.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$2200.00} ; XXXX XXXX XXXX : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$820.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$730.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX ( XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$24.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-14
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXXeporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-07-21
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: SANTANDER HOLDINGS USA, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.