davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (WA)

I worked with XXXX XXXX of New American Funding in XXXX, WA last month. The experience was rough every step of the way. We took our application on XX/XX/16. She was tough to get in contact with, I didn't have an underwritten loan decision for nearly a month, I was sent loan disclosures with inaccurate information multiple times, and when I wanted to see rates she didn't call me back. After she told us it wouldn't work, we ended up going to another lender and closing in 3 weeks. We had to pay an extra {$24000.00} to the seller because we didn't close on time because of XXXX. Despite, being bad at her job, what bothers me is that she has no regard for compliance. She ultimately told us that our loan wouldn't work. It is my understanding that I should have received a formal denial letter within 30 days of XX/XX/XXXX ( the day she denied us ). I felt like I was not important and she just wanted us gone to make her life easier.
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. (FL)

In Accordance with the fair Credit Report 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 has violated my rights. 
XXXX XXXX XXXX 15 U.SC 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681c. ( A ) ( 1 ) States no consumer reporting agency may make any consumer report containing any of the following items 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 ) States that a person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSH & Associates, LLC (PA)

This debt showed up on my credit report, I have never dealt personally with XXXX XXXX. I have asked them to provide proof of this debt and they ignored my request. I have disputed the debt with XXXX but they state that the debt is valid but again I see no proof of this. 
The collection company is has been harassing me.
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc (CA)

Between XXXX and XX/XX/2016 I gave my apartment manager 30 day notice Verbally, she failed to mention it had to be written, she said ok I'll send you the paperwork for it. 2 weeks later she said she forgot, and then tried to charge me {$2000.00} extra after my father and primary applicant paid the last months rent. I had no damage to the apt . whatsoever and she took the whole {$2500.00} security deposit. My father, nor I was notified that she was going to sue. She knew we were just getting on XXXX XXXX XXXXXXXX XXXX, and that's why we were moving. My relative was the primary applicant, and paid each months rent and any late fees. She knew I had no income and was pregnant. Why am I being punished. Not only can myself, my husband whose a vet, and our XXXX children loose our housing voucher, but we could be homeless soon since I cant get approved to move into a new home. We are getting Denials, and we have a few weeks left to find a place. The manager made false accusations regarding what the security deposit was used for. The last almost 3 years we have been doing great with our landlord who would vouch for us as being good tenants, and plans to give us partial security deposit back. If I could get help with this, it would be greatly appreciated. This has been unfair and unjust. Thank you.
Consumer complaint received 2016-11-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TekCollect Inc. (PA)

hello, my name is XXXX and my reference number is XXXX i join the college on XX/XX/2016 when i add a class i had did all the paper work for FAFSA . because every time i add a class i did a FAFSA. i had summit all the paper work that FAFSA needed and they said everything has been done that i do n't have to worried that i can start classes because FAFSA had paid everything. i called the college and talk about the issue and they are not helping me at all. so college is making me to pay it twice. i do n't work and i can not make a this payment. we go college for batter education not to pay the amount twice.
Consumer complaint received 2019-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

ON XX/XX/2019 I Submitted a file and reporting Identity theft to the Equifax Bureau, and ask that they would block information. In letter I ask to verify any information according to 609 of fair credit reporting act. that state that before they can place anything on my credit report they needed original doc 's with my signature. They just sent letter that said it was verified. I'm asking that they comply and show my handwritten signature on all documents they verified or they need to remove all items from my report because it hindering me from get approved for credit.
Consumer complaint received 2016-03-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Javitch, Block & Rathbone LLC (OH)

XXXX hired a third party debt collector for my defaulted debt. The debt collector is XXXX. XXXX is out of my state where I borrowed, so they have farmed it to a network debt collector called Javitch Block. I have worked with Javitch Block for 5 years to repay the debt I defaulted on under the pretenses that there was no interest, and the current debt balance is in the area of {$8000.00}. After not receiving paperwork from the creditor nor Javitch Block for some time, I inquired in XXXX 2015, which ended up in having to go to the XXXX for assistance after many refusals to assist me in getting this information. To date, and after many emails, many letters, certified mail requests, I have not had the debt verified by Javitch Block. This includes their right to collect from me, whom they are an agent for, balance, interest, and other pertinent information I am due under fair debt collection rights. Additionally, not only has the company not verified the balance of this account, but by misrepresenting the balance and interest rate over the phone, they have misplaced nearly {$6000.00} of the debt as the creditor states that money went to interest. I am not in a position where I have paid {$12000.00} and only received half of the credit due to dishonesty. Furthermore, the debt collector, who states they are an agent for XXXX refuses to honor the settlement agreement address in XX/XX/XXXX by XXXX themselves. I have not received a written confirmation that after misleading me for 5 years, that Javitch Block intends to accept a lesser payment on behalf of their client without suing me for failing to meet our initial payment plan. I also have been told by Javitch Block in recording calls that the collection account is in a " holding '' position, and while I can make payments, it is not an active collection. Upon disputing the credit line on my credit files, XXXX states otherwise and continues to post a much larger balance.
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2017-07-19
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. (SC)

During the summer of XXXX and in early XXXX, Transunion experienced a system glitch that removed all inquiries from my credit report.TransUnion later added them all back onto my credit report without providing me with the legally-required written notice 5 days prior to them re-adding them. I contacted TransUnion, in good faith, asking them to delete the inquiries that they had illegally re-added.My first attempt result in being told that my account was not affected ; however, ALL accounts were affected. My second attempt resulting in me being able to revolve this matter by ( 1 ) contacting the creditors that requested my file and having them to remove the inquiries or ( 2 ) filing a police report.
Consumer complaint received 2015-11-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (FL)

Nationwide recovery came to an agreement of {$420.00} per month to pay off partial debt on an original debt of $ XXXXafter submitting all my payments every month for 4 months they put a derogatory discharge on my credit for the remainder part.
Consumer complaint received 2023-02-10
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2019-07-16
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-07-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Earlier this year I had a family emergency that required me to be outside the USA for extended periods. In my absence, I had scheduled my Wells Fargo HELOC payments to be automatically debited from my back account. These payments were deducted from my checking account but not remitted to Wells Fargo by the bank 's processor. I contacted my bank and their automatic payment processor confirmed the payment errors were caused on their end. I inquired with Wells Fargo customer service who advised me earlier this year that these payments would not be negatively reported to the credit bureaus but I've discovered recently that they are being reported late. I have been a very loyal customer of Wells Fargo for over 10 years and never missed a payment. I made every attempt to make these payments on time and now I am being financially punished by Wells Fargo for the fault of another financial institution.
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (FL)

This is regarding a collection initiated by Trident Asset Management showing the initial creditor as XXXX. It appears that the date opened was XX/XX/XXXX in the amount of {$1400.00} This is not my debt and the account is in another persons name. I have requested verification of this debt from Trident Asset Management and they have refused to provide requested verification. They continue to send simply a bill stating that I owe the amount of {$1400.00} but refuse to verify the debt or provide ANY information concerning the details of alleged monies owed. I have contacted the company numerous times as recently as XX/XX/XXXX requesting verification of said debt only to be either refused requested information or being hung up on!
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP (WA)

I received a promotion in the mail from KeyBank. It states if I open an account by XXXX and make a single direct deposit of XXXX dollars or more in the next 60 days they would give me XXXX dollars. I opened an account online XX/XX/XXXX with XXXX dollars using an on, line transfer from another bank account at XXXX. Today, XX/XX/XXXX I went in and deposited a check to this account for XXXX dollars. I asked the teller if this would qualify for this promotion. He was not sure since it might have said a direct deposit. I asked would this be considered a direct deposit. He was not sure. Concerned, I called Key Bank when I came home about XXXX XX/XX/XXXX. I was informed the check deposit was not considered a direct deposit. Reviewing the promotion, it does say direct deposit. The Keybank representative, XXXX, stated that direct deposit means to Keybank that it is from payroll type of institution such as Social Security, a pension, salary from a job, etc. Nowhere on the promotion does it enumerate the direct deposti means from such an institution and a check deposit by me would not count. I told XXXX, I considered this fraud since I am not in the banking industry and my idea of direct deposit is my going to the bank and directly making a deposit. Furthermore, these terms are impossible to comply with. I logged into my Social Security account and the soonest I effect a change to my direct deposit is my XXXX payment. I usually receive my Social Security payment on the XXXX of the month. To comply with the promotion terms I would have to receive a Social Security Payment by XX/XX/XXXX or XXXX. Clearly this is further fraud. I could not change my Social Security direct deposit institution without first having an open account at Keybank. Social Security will not change a direct deposit institution in less than 60 days. I have changed my Social Security direct deposit 4 business days after opening the Keybank account. Keybank full well knows these time frames of Social Security and have committed fraud by intentionally misleading me and probably many thousands of others. The float the gain will be a large windfall. I suspect they have targeted likely Social Security recipients by simply usiing a mailing list filtered on the age. Please fine Key Bank to the fullest possible extent and consider criminal prosecution of their executives. I have a copy of the promotion. I have screen shot of the Social Security screen. Please contact me if you need any further documents. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX How can your complaint be satisfactorily addressed? 
An investigation a large fine against Keybank and criminal fraud charges brought against this company.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MD)

I am writing to request assistance with Navient. I believe that the accounts they are reporting are incorrect. 

I recently pulled a copy of my credit report on-line and found that they are reporting the following inaccurate information in my file that is negatively affecting my credit score.

Account Number : # XXXX Reason : Not my account/Inaccurate information - After careful review of my credit report. I have verified that this loan does not belong to me. I never authorized this loan. Please remove this from my credit report immediately.

Account Number : # XXXX Reason : Your company has not provided me with a signed agreement by me that shows the original loan features of the loan, that states the repayment options, interest rate or with any other terms an conditions of the loan. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

I am inquiring about the evidence Chase has to feel they are by law to freeze my account and my retirement & social security and unemployment funds. i need to know what steps are they taking and are they taking any to rectify this situation immediately? And what is the time frame are they seeking to continue to hold my funds. I know this is a vendetta because XXXX XXXX and his executive office made as a XXXX discrimination tactic and corporate XXXX  against me am XXXX XXXX  consumer.
Consumer complaint received 2021-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX Focus Fina Opened XX/XX/XXXX +Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Focus Fina Opened XX/XX/XXXX +As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (PA)

I have sent a dispute letter to the company and they have not complied or sent back any type of information to have this account removed. This account is not even mine and I have no ownership of the collection. The dispute was made against XXXX. 

Alleged debt- Firstpoint Coll Reso Opened on XX/XX/2019 amount {$370.00} Original Creditor XXXX XXXX
Consumer complaint received 2022-10-15
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. (TX)

There are several hard inquiries on my TransUnion credit report that I do not recognize, and have previously disputed with TransUnion to no avail. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, one of the inquiring companies XXXX XXXX provided me a letter that stated they authorized the removal of the inquiry due to its fraudulent nature. This letter was sent to TransUnion on XX/XX/XXXX, but XXXX months later, TransUnion still has yet to remove it.
Consumer complaint received 2021-06-15
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. (NY)

I initially sent a series of corresp

ondence to the Credit Reporting Agencies as well as the Actual Creditor. I am fully aware of how r
eporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report. 

Please see attached documents of proof of me sending the letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

Original creditor is denying any misreporting to CRAs.

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my capability to obtain mortgage.
Consumer complaint received 2020-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

I.C. SYSTEM, INC has posted a collection account onto my credit profile. I have no recollection of this bill. I am disabled and on social security. I was denied an approval for a XXXX XXXX credit card because of this collection. I contacted the credit bureaus and disputed the account ; XXXX, XXXX, and XXXX. XXXX  refuses to honor my numerous disputes with the aforementioned account. I am deeply disturbed and depressed by I.C. System 's and XXXX  's action. Please see the item below : Account Info I.C.  SYSTEM, INC Account number- XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$860.00}