davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
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. (FL)

Hello, My name is XXXX XXXX and I am filing this complaint on behalf of myself. there is no third party involved. I am filing this complaint about false reporting misleading information being on my credit report.
Consumer complaint received 2022-01-24
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: Experian Information Solutions Inc. (NY)

YOU BROKE THE LAW ADVERSE ACTONS You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to live fairly because of you assuming this role, Pursuant to 15 USC 1681 ( a ) 4 ) You were unfair in reporting this erroneous information without First consulting with me the consumer. You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as result of that third party. I am demanding that this information be removed soon as possible. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This information is not accurate INDIVIDUAL ACTIONS - 15 USC 1691a1-3 1591b1-5.. I DEMAND AN INVOICE FOR REMEDY AND EXTENSION OF MY CREDIT AS AN FEDERAL RIGHT BY CONGRESS FOR UNEQUIVOCAL ACTIONS **NOTICE**PLEASE RESPOND IN LAWFUL MANOR ( REMEDY INCLUDED ) LAST CHANCE OF PRIVATE ADMINISTRATION PROCESS BEFORE FILING FEDERAL LAWSUIT!
Consumer complaint received 2022-01-24
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. (NY)

YOU BROKE THE LAW ADVERSE ACTONS You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental stress, and XXXX. I have been unable to live fairly because of you assuming this role, Pursuant to 15 USC 1681 ( a ) 4 ) You were unfair in reporting this erroneous information without First consulting with me the consumer. You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as result of that third party. I am demanding that this information be removed soon as possible. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This information is not accurate INDIVIDUAL ACTIONS - 15 USC 1691a1-3 1591b1-5.. I DEMAND AN INVOICE FOR REMEDY AND EXTENSION OF MY CREDIT AS AN FEDERAL RIGHT BY CONGRESS FOR UNEQUIVOCAL ACTIONS **NOTICE**PLEASE RESPOND IN LAWFUL MANOR ( REMEDY INCLUDED ) LAST CHANCE OF PRIVATE ADMINISTRATION PROCESS BEFORE FILING FEDERAL LAWSUIT!
Consumer complaint received 2022-01-24
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, My name is XXXX XXXX and I am filing this complaint on behalf of myself. there is no third party involved. I am filing this complaint about false reporting misleading information being on my credit report.
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Recovco Mortgage Management, LLC (FL)

I would like to file a formal complaint against Sprout Mortgage XXXX and request an investigation by the Regulators at CFPB. 

Here is their website : https : //www.sproutwholesale.com Sprout Mortgage XXXX constantly engages in unlawful businesses practices that is causing a tremendous amount of financial damage to the Loan Applicant and Home Owner. 

After they receive a loan application, their underwriters will issue a conditional approval then drag out the loan process for weeks and months. 

Then they will decline the loan unexpectedly at the last minute on the scheduled closing date even when all the approval conditions have been met. 

This creates a lot of financial and emotional hardship for the buyer and seller in the transaction when they engage in this type of unfair business practice. 

Based on my recent experience and numerous online customer complaints, this the pattern they consistently engage in that creates such hardship : 1 ) Borrower submits a new loan application 2 ) Loan gets underwritten 3 ) Conditional Approval is granted by their underwriter 4 ) Broker who's representing the borrower provides all required approval conditions 5 ) Mysterious delays occur ( weeks or months ) 6 ) Closing deadline approaches 7 ) Broker reaches out to Area Manager daily for closing status but is left in the dark. 
8 ) Borrowers, Realtors, Brokers, Title Companies, all start to panic due to closing deadline 9 ) Loan gets DECLINED at the last minute for unspecified reason on the day of closing!

10 ) Area Manager sends an email to the Broker defending this unfair business practice.

This is what occurred with my personal scenario : 1 ) Loan submitted and Conditional Approval received on XX/XX/21 XXXX ) Multiple underwriting delays including appraisal occur. 
XXXX ) Almost 3 months later, loan is ready for Clear To Close waiting on one rent letter condition. 
4 ) Mysteriously, loan got DECLINED by XXXX XXXX on the closing day based on one condition that has already been cleared by their underwriter long time ago? 

This is a constant pattern by Sprout Mortgage that is causing a lot of harm to borrowers and everyone involved in the transaction. 

Please see the attached screenshots of multiple complaints and negative reviews posted by disgruntled borrowers and brokers online. 

Another complaint we would like you to investigate and reprimand is their lack of Loan Estimate Disclosures. 

Sprout Mortgage XXXX never issues any Loan Estimate Disclosures after receiving the loan application and adds undisclosed and unjustified fees at the last minute. 

This is an ongoing unlawful business practice they engage in and needs to be stopped effective immediately Please see the attached screenshots of multiple complaints form other borrowers and brokers with the same issues.
Consumer complaint received 2019-09-12
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: SYNCHRONY FINANCIAL (CO)

SYNCB/SYNCHRONY MAST continues to put on all my credit reports this debt that is not mine and was part of an identity theft issue that was filed in 2015 and they refuse to remove this from all my credit reports despite multiple requests.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

Hello, Every time I submit my payment to Costco Anywhere Citi credit card. My available balance does not reflect my payment until at least 10 days after my payment has been submitted, even if the payment has cleared my bank. This happens every time I make a payment for the last 7 months ( at least ). For instance, I submitted the last payment of {$250.00} on XX/XX/23, cleared my XXXX XXXX account on XX/XX/23, but it wasn't reflected on my available balance until XX/XX/23. I don't think it's right to hold my payment hostage after it cleared my account. If the credit card is holding my payment and not making available to me after it cleared my bank account they should pay me interest applying my credit card interest rate.
Consumer complaint received 2022-01-24
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. (TN)

The account listed below are inaccurate. I did not consent to have the accounts listed on my report. 

Account Name Account Number XXXX XXXX US Dept ED XXXX DeptedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-24
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. (TN)

The account listed below are inaccurate. I did not consent to have the accounts listed on my report. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX real XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (MI)

On XX/XX/XXXX I submitted 2 deposits for a total of {$600.00} to Binance US for use on their crypto currency platform. The money was immediately withdraw from my credit union. After several days the money was not deposited to my account on Binance US. I opened a ticket for support and subsequent tickets on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All requests. Have gone unanswered. Trading on platform with previous funds has also been disable without reason causing a loss in value of account.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (MI)

XXXX XXXX recently transitioned from XXXX XXXX to Goldman Sachs. I have never received a card or a new account number. Prior to them taking over I paid my monthly statement in full to XXXX XXXX, account ending in XXXX. The last payment due XX/XX/XXXX for XXXX was paid in full to XXXX XXXX before the due date via electronic payment. Goldman Sachs took over XXXX XXXX in XXXX and I got a bill dated XX/XX/XXXX that I am behind in a payment to them for XXXX. There customer service staff said it was due XX/XX/XXXX??? I explained it is dated XX/XX/XXXX and XXXX payment was in full to XXXX XXXX. They began sending emails and saying I am behind in payment to an account ending in XXXX that " doesn't yet exist '' under them. I don't have an account ending in XXXX and yet their correspondence indicates this is an account they are billing me under. They are saying I am late and the account has been frozen. Yet, when I speak to them they say I am able to make purchases with my XXXX XXXX  number ending in XXXX and to pay the payments to them with the old XXXX XXXX number?? Their Customer Service staff and two Managers seem to have no idea about the new account number being sent in my correspondence, for an account they have yet to send me a card on, and that doesn't exist and that has been " frozen ''. Despite more than 4 phone calls to them, I continue to receive threatening emails from them saying I need to pay XXXX and additional late fees they have tacked on to my most recent purchase XX/XX/2022 for XXXX. I received a letter from them dated XX/XX/2022 saying there is no error and the initial dispute decision is that I owe the money {$6.00}. The last call to CS Rep indicated the first dispute was declined ( which I received in writing as noted above ) and I owe the money. I asked for and spoke with yet another manager, and he was again sending it on to Dispute. Every person I speak with thinks it is strange and I shouldn't owe any fees, but no one seems to be resolving this issue. I am growing weary of speaking with them, with no resolution and getting threatening emails and another statement with late charges and additional fees added to the amount indicated above. Also, the statements are arriving with account number XXXX not XXXX???
Consumer complaint received 2022-01-24
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. (IL)

I did not consent nor authorize any person nor company to benefit from my credit. The account listed below is a result of identity theft. 

Account name Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-01-24
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. (NJ)

TransUnion did not investigate a problem I have with 2 collections on my report. The info from those collections are incorrect and must be removed. I have tried numerous times through last year to get these removed. Both accounts are in violation of fair credit laws.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, PLEASE RE-INVESTIGATE THE DISPUTE ITEM AND HAVE IT DELETE OFF MY CREDIT FILE. 

PLEASE UPDATE MY ADDRESS INFORMATION IN YOUR DATA BASE.
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

contacted capital one to resolve access to my account after i reported my cars lost/stolen in XX/XX/2021. They assured me they fixed the issue and new card would be sent out. 
Never received replacement card and customer serviced locked access to my online account!!!!

Month later i received statement of card and called immediately as it seems my card was never shut off and whomever got hold of it made charges to my card. and this is AFTER capital one said my lost card would be handled!!!! they failed to protect my sercurity and failed to lock card and issue replacement!!!! Negative impact on my credit report and still no access to account. had to fight for months to even get it off of my report and the costly time i have spent needs to be taken care of! it has cost me getting other credit loans and everything under the sun. thanks Capital one for your great negligence and carelessness for your customers
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (KS)

Recently came across a Satisfaction of Mortgage that I received from RoundPoint Mortgage the company to whom I was making mortgage payments to. The Satisfaction of Mortgage was dated XX/XX/2017. I questioned RoundPoint about the paper work and they refused to acknowledge the validity of the Satisfaction of Mortgage, I informed RoundPoint that I would not be making any more payments, the calls and emails stop coming from RoundPoint. Recently I received a petition to foreclosure on my home from a company that I have never had dealings with.
Consumer complaint received 2022-01-24
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. (WA)

To whom it may concern, XXXX XXXX XXXX I have received a copy of my consumer report, i noticed late payments posted on my consumer report In reference to above account XXXX XXXX. Your company is in clear violation of the law by posting late payments. THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from the above account. I do not consent to XXXX or any automated means of verification.
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (TX)

I am puzzled that the below inquires appear on my credit report. Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 

Prove to me that the inclusion of this inquiry complies with this federal law, or remove them now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/XXXX
Consumer complaint received 2023-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (CA)

A letter dated XXXX  came in the mail on XXXX 

I wrote a Validation Dispute Letter dated XXXX and sent it to the email on the letter ; company did not respond. 

On XX/XX/XXXX I sent a follow up email in the same email chain. Company did not respond. 

On XX/XX/XXXX I sent another follow up email in the same email chain. Company did not respond. 

On XX/XX/XXXX Again I sent a follow up email in the same email chain. Company did not respond. 

On XX/XX/XXXX I sent my last email correspondence. 

I also sent 3 letters to the 3 addresses listed for the company on the form ( intentionally super confusing ) + 1 certified letter to the apparent po box .
Consumer complaint received 2022-01-24
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. (VA)

I have tried to correct my disputes with Experian, XXXX, and XXXX. I continue to have inquires on my account which do not belong to me, addresses which do not belong to me, accounts which do not belong to me. All THREE credit bureaus have failed to help me in a timely manner.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have tried to correct my disputes with XXXX, Transunion, and XXXX. I continue to have inquires on my account which do not belong to me, addresses which do not belong to me, accounts which do not belong to me. All THREE credit bureaus have failed to help me in a timely manner.
Consumer complaint received 2022-10-12
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. (NJ)

The Credit bureaus stated that my accounts were properly investigated but they failed to provide me with details of how the accounts were verified, by whom, and failed to correct the information. There are disparities between reports. My name is spelled in various ways between agencies. I have disputed the information and requested that my name spelling be updated but the bureaus fail to make the changes. Disputes were sent XX/XX/2022, XX/XX/2022, and they fail to make the corrections. 

15 USC 1681 section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions The listed inquiries below were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Accounts in Dispute Include the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX
Consumer complaint received 2021-05-11
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: Experian Information Solutions Inc. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.