davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BBVA FINANCIAL CORPORATION (CA)

I am a victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in jail at XXXX County, for other fraud charges. He opened a corporation XXXX XXXX XXXX XXXX under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Loan BBVA Compass : Credit Card XXXX XXXX : Auto Loan XXXX XXXX XXXX : Credit Card XXXX XXXX : Business Credit Card I do not know if there are other accounts opened under my name. I have checked my credit and has dropped significantly under 500 because delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My wife, my sister and other family members are victims of XXXX XXXX identity theft and fraud. 
I do not speak English, only XXXX. My son is assisting me with translation.
Consumer complaint received 2018-08-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (AL)

THE COMPANY HAD TOLD ME SEVERAL MONTHS AGO THEY WOULD TURN ME OVER TO GARNISHMENT BECAUSE OF DELINQUENT IN MY PAYMENTS. THIS WAS BECAUSE OF SHORT TIME AND SICKNESS OF MYSELF AND A FAMILY MEMBER. I WAS ASKED TO BRING IN XXXX DOLLARS THAT DAY OR BE GARNISHED. I TOLD THEM I DIDNT HAVE IT BUT WOULD GET PAID THE FOLLOWING FRIDAY, NOT ACCEPTABLE SO I HUNG UP. THE NEXT FRIDAY THEY CALL FOR A PAYMENT AS IF NOTHING HAD HAPPEN SO I PAID AND PAID AND PAID THE AMOUNT WAS XXXX XXXX.WHEN I QUESTION THEM ABOUT MY BILL SHOULD BE PAID OUT THEN THEY TELL ME ABOUT THE LATE CHARGES, SO I STARTED PAYING {$100.00} EVERY TWO WEEKS, ON THE PAYMENT THAT I QUESTIONED I PAID XXXX AND THOUGHT THAT WAS IT, THEY INFORMED ME I STILL OWED OVER 200 DOLLARS MORE. I STOP PAYMENTS AND TOLD THEM WHEN THEY COULD PROVE I OWED THAT MUCH WE COULD TALK. NOW THEY ARE CALLING MY CHILDREN MY FRIENDS AND BLOWING UP MY PHONE AT WORK THIS HAS TO STOP OI I WILL SEEK FURTHER ASST. THE COMPANY IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL. XXXX
Consumer complaint received 2018-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: GOLDMAN SACHS BANK USA (CA)

Goldman Sachs failed to conduct fair and accurate oversight when they trained XXXX XXXX XXXX and also helped him to get licensing as a banker. 

XXXX XXXX speaks about Goldman Sachs as his source of training. He claims the company is pure evil. He cites his time working under XXXX and he openly discusses XXXX 's dealing with his clients. 

XXXX XXXX is a known abuser of women. 

She should have disclosed to me that XXXX XXXX XXXX physically beat his wife and his ex-wife XXXX XXXX and children. 

I have the documents to prove this and they are attached to this complaint.
Consumer complaint received 2023-03-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I sent letters initially to XXXX, XXXX, and XXXX requesting verification for an account on my credit file being reported by Portfolio Recovery. It was verified and I was told to contact them directly to ask for a method of verification. When I did, they just sent me a copy of a credit card bill. In my letter sent on XX/XX/2023 and XX/XX/2023, after checking the nmls consumer access and seeing that XXXX  was not a state they were authorized to conduct business in, and I reside in XXXX, I asked for proof that they could operate in the state of XXXX  and verification of the account they are reporting on my credit file other than a copy of a bill. I didn't received adequate debt validation.
Consumer complaint received 2018-08-23
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. (WA)

XXXX and Transunion are both alleging that the XXXX XXXX account reflected on my credit report is accurate and verified. The inaccuracies listed below : *The account type listed for XXXX is factoring data and collection on Transunion XXXX reflects a past due amount of {$480.00} and Transunion reflects XXXX *XXXX reflects payment history as ok from XXXX ; Transunion reflects no payment history *The account number differs among the 2 bureaus *They are allowing XXXX to list 2 different names among the bureaus for the same account These inaccuracies alone are grounds for removal. Additionally, in my communication with XXXX, if they indeed own the debt, they did not provide any credit card agreement forms, a mere statement does not validate the amount alleged to be owed. XXXX did not provide a comprehensive accounting ledger of the account.
Consumer complaint received 2022-07-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (CA)

I am writing this response as an update to my previous complaint filed regarding a dealership inflating my income by providing false information to Santander which is a violation of fair lending as it related to the origination of my account. In Santander 's previous response, they provided me a copy of the application used to support the origination. 
On XX/XX/2018, the monthly income the dealership stated on the application was {$3700.00} per month. Please see attached for my paystub showcasing a YTD income of {$11000.00} which would be equivalent to roughly {$1600.00}. This proves that I was a victim of income fraud which placed me in a vehicle I was not able to afford. 
It is the responsibility of the finance company to ensure and validate by review of the proof of income. Their lack of verification of my paystubs resulted in this predatory lending. As of today, Santander has secured their collateral. I am asking again for the deficiency balance to be waived and the trade line deleted from all three credit reporting agencies. 
Thank you for this consideration.
Consumer complaint received 2022-07-08
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. (TX)

This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. They did not provide proof that this account was ever late. The 3 credit bureaus did an improper investigation.

According to the Fair Credit Report Act Account # XXXX .... violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 

Account name XXXX XXXX XXXX  XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX through Bankruptcy XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Type Deposit Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$98.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Account history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-07-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (FL)

I try to receive a payoff from US bank but they just provide me my morgue payoff, also I have a partial claim morgue. That need to be send from USBank to HUD and in this way XXXX can provide me a payoff for my partial claim morgue. I was trying to received any answer from Usbank for around 45 days because they never send the document and always when I call I receive a different answer ( I will call you back tomorrow, I will send the document this week ) in addition I spoke with a couple supervisor and the answer I received was nothing because when try reach then again they never are available for attending to me. I conclusion at this situation I never received any solution for my problem and for that reason I re-scheduled my closing day a couple a time and that cost me a lot of money.
Consumer complaint received 2022-07-25
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. (NY)

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

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. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Consumer complaint received 2018-08-23
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. (WA)

Equifax and XXXX are both alleging that the XXXX XXXX account reflected on my credit report is accurate and verified. The inaccuracies listed below : *The account type listed for Equifax is factoring data and collection on XXXX *Equifax reflects a past due amount of {$480.00} and XXXX reflects XXXX *Equifax reflects payment history as ok from XXXX ; XXXX reflects no payment history *The account number differs among the 2 bureaus *They are allowing XXXX to list 2 different names among the bureaus for the same account These inaccuracies alone are grounds for removal. Additionally, in my communication with XXXX, if they indeed own the debt, they did not provide any credit card agreement forms, a mere statement does not validate the amount alleged to be owed. XXXX did not provide a comprehensive accounting ledger of the account.
Consumer complaint received 2018-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

Attempting to have PMI wiped from my Wells Fargo mortgage loan number XXXX. Need an appraisal to determine if my loan is 80/20 LTV. Had a loan with wells for 14 months, all on time payments. 

Ordered our first appraisal on XX/XX/XXXX ( attached ). First appraisal came in at $ XXXX. I need $ XXXX for 80/20 LTV. They used 1 beds as comparable properties, when in reality my property is a 2 bed. Submitted a value reconsideration form for a second appraisal ( attached ). This new appraisal came in at the same value. 

This new appraisal contains factual errors and is a misrepresentation of closed real estate listings that are either cancelled or not closed properties. I will be filing a formal complaint against appraisers license, and will be contacting Wells Fargo for a refund on this appraisal and obtaining a new appraisal. XXXX XXXX has failed to deliver an accurate 2 bed / 1 bath appraisal on two opportunities. 

On the value reconsideration, the appraiser used two new comparable properties that never sold. One is a cancelled listing, the other is under contract. Its impossible to determine market value from two properties that have never closed. This is either a blatant error or a clear sign of incompetence. 

XXXX XXXX XXXX XXXX ( MLS XXXX ) 1 bed condo, that was on the market for 301 days, and never closed. The appraiser has this listed as " active '' when in fact it is a " cancelled '' listing. MLS sheet attached. This clearly can not be a comparable property for the sales comparison approach, as it never sold, and is not an active listing. Also, its a 1 bed property, without parking. The subject property is a 2 bed property with parking. 

XXXX XXXX XXXX XXXX ( MLS XXXX ) 2 bed condo, that is currently under contract. Its listed at $ XXXX. What happens if it sells for $ XXXX over the list price? What happens if it sells for $ XXXX? We can not assume this as a comparable property or use it to determine market value as it has not closed. MLS sheet attached. 

There are plenty of closed comparable properties in the area that the appraiser could use, which would easily get this property in the $ XXXX range it needs for 80/20 LTV ( actual comparable properties that have closed, that are 2 bed / 1 bath condos with parking ). In my value reconsideration form ( attached ), four of these properties are suggested. The appraiser chose not to use any of these properties and instead chose cancelled and under contract listings. 

See attached docs, and let me know how you plan to fix this, or when I can expect another adjustment and an accurate appraisal. 

Waiting for a third appraisal, almost 30 days later, still no response from Wells Fargo. Just got off the phone, they said they will mail me a letter in 14 business days. Making this process of an appraisal turn around take 45 business days, during which, I'm paying {$200.00} in PMI monthly.
Consumer complaint received 2018-08-23
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. (FL)

I have disputed this account with XXXX regarding the inaccuracies that they are reporting amongst the 3 bureaus, yet they continue to respond that the information is accurate and verified. The following inaccuracies are reflected : *The date opened differs among the bureaus *XXXX is stating account type as factoring on Experian, open on XXXX and Collection type on XXXX ( all inaccurate and pecuniary ) *The payment history varies among the 3 bureaus ( Experian codes failed to pay and starts payment history in XX/XX/XXXX even though they denote the account as being opened in XX/XX/XXXX ; XXXX reflects payment history from XXXX and all ok even though they denote the account as being opened in XX/XX/XXXX??? XXXX  reflects no payment history *Midland reflects on Experian terms of 1 month, yet I never entered into any type of agreement or contract with them Lastly, in my most recent communication with XXXX ( see attached ), I requested an agreement that states their authority to collect on this alleged debt, an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, as well as complete accounting of alleged debt. XXXX did not oblige. XXXX merely sent a statement that did not reflect any comprehensive accounting. 

XXXX did not provide any credit card agreements that would further substantiate their allegation. These inaccuracies reflected among the bureaus as well as the fact that XXXX did not provide any credit card agreements warrant this entry to be removed from my credit reports.
Consumer complaint received 2018-08-23
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. (FL)

I have disputed this account with XXXX regarding the inaccuracies that they are reporting amongst the 3 bureaus, yet they continue to respond that the information is accurate and verified. The following inaccuracies are reflected : *The date opened differs among the bureaus *XXXX  is stating account type as factoring on XXXX, open on XXXX and Collection type on Transunion ( all inaccurate and pecuniary ) *The payment history varies among the 3 bureaus ( XXXX  codes failed to pay and starts payment history in XX/XX/XXXX even though they denote the account as being opened in XX/XX/XXXX ; XXXX  reflects payment history from XXXX and all ok even though they denote the account as being opened in XX/XX/XXXX??? Transunion reflects no payment history *Midland reflects on XXXX  terms of 1 month, yet I never entered into any type of agreement or contract with them Lastly, in my most recent communication with XXXX ( see attached ), I requested an agreement that states their authority to collect on this alleged debt, an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, as well as complete accounting of alleged debt. XXXX did not oblige. XXXX merely sent a statement that did not reflect any comprehensive accounting. 

XXXX did not provide any credit card agreements that would further substantiate their allegation. These inaccuracies reflected among the bureaus as well as the fact that XXXX did not provide any credit card agreements warrant this entry to be removed from my credit reports.
Consumer complaint received 2018-08-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Greetings, The following letter is to notify you of TransUnion questionable handling of personal information and unexplained charges. 

On XX/XX/18 I requested an annual free credit report from TransUnion. Then on XX/XX/18 I noticed a charge of {$19.00}. 

I called the company 's customer service XXXX ( XXXX ) XXXX and right away they asked for my social security number. I informed them I do not give out my full social over the phone. They looked me up with my last 4 digits, name, and street address. I tried asking why I had that charge on my account and wanted to make sure I was not signed up for any monthly charges, The phone operator did not answer my question and kept on insisting I call another number, XXXX, stating that it is the Transunion Credit Online Monitor. 

I called XXXX number and dealt with a very similar process. I asked if there was a transunion ID number I could provide, but they seemed to really want my SS number. The operator again insisted that I should call XXXX, yet that is the number I called. 

Upon further research it appears that other customers have dealt with unexplained charges as well when trying to receive a free credit report. On TransUnion website I cancelled my plan that I was not informed of having on XX/XX/18. 

It strikes me as odd that the operators did not inform me how to cancel a possible plan, always redirect me to a number even when that is the number I called, wanted my SS number immediately, and charged for a free annual credit report.
Consumer complaint received 2018-10-14
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: EQUIFAX, INC. (CA)

I received an alert from XXXX Credit Reporting Agency about a collections on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX for XXXX XXXX from what I read on the report. I have not live in Virginia for 5 years while stationed in XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX and now in XXXX XXXX on board XXXX XXXX XXXX XXXX. I do not have an active account with any services outside California except with XXXX XXXX mortgage for my home in XXXX XXXX which has an active tenant living at this residence name XXXX XXXX. Equifax and XXXX will not let me report this fraud or activate a freeze without buying a product.
Consumer complaint received 2018-08-23
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. (PA)

XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Card Ending In : XXXX There are no balances owed on any credit cards
Consumer complaint received 2022-07-08
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, XXXX XXXXXXXX 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
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

I applied for apple credit card & have been denied over n over for the same reason which makes zero sense? The denial letter reads to many obligations with balances? I only have one credit card with a balance & perfect payment record outstanding never late on any of my cards 19 accounts in total all with zero balance! Only one card with a {$2500.00} balance. Im attaching my balances to all my accounts for review.