davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

*****SEE ATTACHMENTS****** Hi XXXX XXXX/CRA/CFPB ; My name is XXXX, and for the last 3-4 months I been trying to resolve the accounts below under my consumer rights FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law and both the bank XXXX Bank and credit bureaus have failed to investigate this account. I can not accept a pre-printed templates as a proof of investigation. IF you look at the screenshots below or attached, you will noticed that there are different dates of 1st delinquencies, dates of last reported, dates of last active ( e.g. Date Last Active : XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; EQUIFAX : XX/XX/XXXX ), and inconsistent with payment history. 

Listen, if this account was indeed verified or investigated, the account status would being updated, and there werent be multiple inaccuracies still reporting. Due to these inaccuracies and violations, I demand that this account be deleted from my credit report effective today. 

I also called and went into the XXXX Branches and they have different and questionable balance reported. They said that the balance that they have in the system is {$7700.00}, but the credit reporting agencies are reporting {$6100.00}. Again, as you can see, there are wrong balance, inconsistent payment status and history, account status never updated, wrong dates of last active, 1st delinquency, dates of last reported etc. Too many inaccuracies to report>DELETE NOW FROM MY CREDIT REPORT!!!! 

Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law
Consumer complaint received 2019-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-06-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

*****SEE ATTACHMENTS****** Hi XXXX XXXX/CRA/CFPB ; My name is XXXX, and for the last 3-4 months I been trying to resolve the accounts below under my consumer rights FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law and both the bank XXXX Bank and credit bureaus have failed to investigate this account. I can not accept a pre-printed templates as a proof of investigation. IF you look at the screenshots below or attached, you will noticed that there are different dates of 1st delinquencies, dates of last reported, dates of last active ( e.g. Date Last Active : TU : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ), and inconsistent with payment history. 

Listen, if this account was indeed verified or investigated, the account status would being updated, and there werent be multiple inaccuracies still reporting. Due to these inaccuracies and violations, I demand that this account be deleted from my credit report effective today. 

I also called and went into the XXXX Branches and they have different and questionable balance reported. They said that the balance that they have in the system is {$7700.00}, but the credit reporting agencies are reporting {$6100.00}. Again, as you can see, there are wrong balance, inconsistent payment status and history, account status never updated, wrong dates of last active, 1st delinquency, dates of last reported etc. Too many inaccuracies to report>DELETE NOW FROM MY CREDIT REPORT!!!! 

Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law
Consumer complaint received 2021-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I DID NOT Authorize or INITIATE THE FOLLOWING INQUIRES. THE CAR COMPANY PLASTERED MY CREDIT RUNNING MULTIPLE REPORTS. DELETE REPORTING! Violation of Fair Credit Reporting Act. 
TRANSUNION XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I did a purchase by phone ( airlines tickets ) and the transaction was declined. I used another card to buy the tickets and the next day the Bank approved the transaction but charged me the amount.The bank says this transaction was in person and I put my pin in for this reason, they refuse to give me my money back. I sent all the proof to the bank and they denied my claim for 3 months straight.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

Equifax is reporting incorrectly the XXXX partial account number XXXX as ( 60 ) plus days past due. ( Please see page 18 of the attached credit report. ) This account was included in my bankruptcy and should be reporting as such. I have contacted the bureau to fix this however, I have been unsuccessful. This incorrect reporting is harming my credit score. This trade line item needs to be updated to report accurate information.
Consumer complaint received 2018-05-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COMMERCE BANK (TX)

Divorced in XX/XX/2016 and husband was given the travel trailer by the judge of XXXX County, TX. Judge did not make him sell or refinance the trailer. My lawyer had the judge add wording to protect me and my property from debt collection if the debt went to default. 

At the request of Commerce Bank I have located my ex-husbands address, work, and phone numbers and given it to Commerce bank. I found out he sold the trailer to his cousins and told Commerce Bank the name of the couple and area where they lived. Commerce Bank did not go get the trailer. 

Commerce Bank is still posting information on my credit report of past due/ collection/write-off debt and I am afraid the will put a lien on my property or garnish my wages to pay for this.
Consumer complaint received 2022-12-01
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. (MO)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions.

15 U.S.C 1681 c. ( 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

Under the FCRA, I request that LexisNexis immediately notify XXXX, XXXX , & XXXX of the folllowing : That the bankruptcy Item US BKPT CT XXXX is deleted from my file. And to provide me with a copy of said communication. Under the FCRA, I have the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of XXXX, XXXX, and XXXX XXXX  ).
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX  XXXX submitted XXXX inquiries which were meant to be for a XXXX XXXX application and not personally. They kindly accepted their error while processing it wrongly as a personal credit application, which I rejected due to changes needed on a title with high costs. 
XXXXXXXX XXXX  XXXX submitted the request to Transunion to remove the inquiries, and Transunion has omitted the request and has not removed them as instructed. 
Attached is the evidence from the XXXX XXXX.
Consumer complaint received 2022-12-01
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. (CA)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

Rocket Mortage LLC was offering a promotion using XXXX XXXX to deliver the message to its customers. I received an email from XXXX XXXX stating that as an XXXX XXXX customer if I closed a conforming mortgage loan with Rocket Mortgage by XX/XX/XXXX that I would receive a statement credit of XXXX to my XXXX XXXX XXXX 8-12 weeks after closing occurred. I closed my loan in XX/XX/XXXX, so I was definitely eligible for the credit. I initially emailed on XX/XX/XXXX just to confirm with the loan processor that I expected the credit before we continued to proceed with the loan. The fact of the matter is I would have gone elsewhere for my mortgage needs and had a lower rate had it not been for this promotion. The property needed work and I was looking forward to the statement credit to help with those costs. When I didn't receive the credit, I inquired with my loan processor at Rocket Mortgage again XX/XX/XXXX as to what had happened, and he stated that it was applied as a lender credit to my closing costs. That is an EXTREMELY shady business practice since lender credits are typically given by the lender in exchange for a higher interest rate. NONE of that was communicated to me, nor was I given the option to choose in which manner I wanted to receive my XXXX. Nor did the promotion read that that was an option at Rocket 's discretion. I have all of the emails exchanged where my loan processer tried to give me the run around and a bunch of reasons that didn't jive with the promotion to cover his back. Basically, they created a win-win situation for themselves ; they get the customer roped in under a promotion where they never actually give anything, they just give you a credit while charging you a higher rate. The entire offer is for an XXXX XXXX XXXX, nowhere does it mention a lender credit. I didnt receive that, nor any mention that I would never receive it. I have attached the terms and conditions of the offer as provided to me by XXXX XXXX on behalf of Rocket Mortgage as well as my correspondence with Rocket Mortgage in regards to the treatment of my credit. Needless to say XXXX XXXX at XXXX never gave me the items I specifically asked him to provide numerous times.
Consumer complaint received 2021-12-01
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)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Ive been with capital one for a long time and my payments have always been on time while also paying more than the minimum required. Back in XXXX I submitted a payment which got returned because I didnt realized that my mortgage company had charged my mortgage and I was a bit short ; I continued by making a second payment of {$700.00} and Capital one never tried to take it out of my checking account. After XXXX days I logged in and after seeing that the payment was never tried I submitted another {$500.00} payment and same thing happened XXXX times. I ended up calling Capital one and one of the supervisors that got on the line called XXXX XXXX with me on the line and XXXX XXXX confirmed that Capital one hadnt tried to get the payments at all after the returned XXXX from XXXX. As stated before that happened 3 times and after I called a second time to have this resolved the agent told me that I could do a payment over the phone free of charge and I told him Id do it over the app. I checked my account and had more than enough money for the payment I had just submitted and the agent told me perfect. The payment will be reflected by tomorrow and we hung up. The next morning I logged in to my capital one account just to make sure everything was ok and i found out they had closed my account because of the previous explained situation. This is unacceptable as theyre the ones that screwed up and not me.
Consumer complaint received 2019-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF HAWAII CORPORATION (AZ)

Dear CFPB, Reference ( ALLEGED ) Judgement # XXXX XXXX I owned a vacation rental property in the state of Hawaii, Island of XXXX of which Bank of Hawaii foreclosed and sold at the courthouse steps 3 years ago of which was represented to me as payment in full. To my surprise, the bank is now threatening to collect an " ALLEGED '' Deficiency Judgement -- - 4 years later in the amount of {$310000.00} I WAS NEVER CONTACTED BY BANK OF HAWAII AFTER THE FORECLOSED SALE! 

I request the CFPB to investigate this matter as I have NO record of any past " LEGAL Advance Notifications '' from the bank, inclusive, of a full accounting of how the foreclosed sales overages were legally applied at the time of foreclosure. Further, I request proof/verification if the bank was ever reimbursed for any perceived losses via ( LOAN LOSS RESERVE FUND )??? 

I request the Bank Of Hawaii to forward to me ALL appraisals that were by law ( LEGALLY ) required prior to the foreclosed sale to ensure proper credit back to the debtor was not an issue. 

With Regard to the ALLEGED Deficiency amount of {$310000.00}, please disclose exactly how the Bank intends to apply this amount???? Please provide a full accounting of the intended applications. 

I request CFPB to ask Bank Of Hawaii to disclose the Name of the Banks FULL TIME in House Fully Compliant Attorney, inclusive, of the attorneys " up to date licensing & certifications ''. Additionally, was the Banks Loan Officer fully compliant at the time of issuance of the original mortgage committal. Please provide me with a copy of the Original Loan Commitment To Fund.

Please disclose who the Banks Full Time Compliance Officer Is and if the banks compliance officer is fully up to date on ALL current licences & certifications??

Please issue the ( Original Mortgage Document ), inclusive, of ALL Proper Disclosures.

Lastly, please disclose as to whether the Bank had any advance knowledge of any potential ( CONFLICTS OF INTEREST ) with regard to the buyer of my property at the time of the foreclosure???

Please respond ASAP to this -- - ongoing process.

Thank You.
Consumer complaint received 2022-12-01
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$160000.00}.
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Duncan Solutions, lnc. (KS)

I was contacted by PAM Professional Account Management on XX/XX/XXXX for amount of money owed to XXXX, the tolls they provided in the documents were invalid, my car tag number was accurate, I had the previous day paid my account in full through my monthly billing on my credit card, I sent a letter requesting validation of the debt and disputed it and requested more information on the debt. I received a letter stating the debt was correct and provided a different contact number for the agency. I have contacted the XXXX  and reported this information to them and am making this report. 

XXXX Debt owed was XXXX Return address provided XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX Violation # XXXX Account # XXXX Stated was not to contact XXXX regarding the debt. 
on XX/XX/XXXX Violation # XXXX Account # XXXX Amount due {$210.00} Letter received indicated they could be reached at XXXX Please let me know I can further dispute this debt.