davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paradigm Assets, LLC (IL)

A derogatory mark appeared on my credit report suddenly in XXXX of 2021 from JDHPE Finance.

Suddenly some predatory debt collector has dinged my credit report for 30+ points on some debt that was closed or charged off long before XXXX of 2021. 

The amount they have tried to pin to my credit report is approx XXXX. It said the original creditor was XXXXXXXX XXXX of which I have had no buisness or transactions that I am aware of in MANY years.
Consumer complaint received 2020-12-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OH)

I purchased a property using FHA financing for {$89000.00}. It transferred on XXXX. Since living here, my XXXX has been aggravated by the gas fumes coming from the gas station next door. I understand that my house should have been 300 feet from the gas tanks to qualify for an FHA loan and per a recent appraisal it is only 200 feet from the gas tanks. Also the value of the house was inflated by approximately {$15000.00} ( Attachment 3 ). Documents attached were sent to Quicken Loans. 

XXXX XXXX of Quicken Loans responded to me on Friday, XX/XX/2020 stating that these were appraiser issues and not loan issues and I should take it up with the appraiser. She continued by saying that Quicken Loans is not responsible. But the loan officer was aware of the 300 foot requirement and she said in an email that she would have her collateral crew verify the distance before proceeding ( Attachment 4 ). Additionally, I paid Quicken Loans for the appraisal and had absolutely no interaction with the appraiser. 

I was a client of Quicken Loans and I expected they would follow FHA guidelines in providing a loan to me and they didn't. So, I hold Quicken Loans fully responsible. If Quicken Loans think the appraiser did not do his job, then they should be the one to pursue the appraiser. 

I want Quicken Loans to cancel my mortgage, take the house back and refund my down payment and moving expenses. 

( Unfortunately I was not able to upload attachment 3 because of size- the appraisal I had done on XXXX which showed a value of {$76000.00}. This has been sent to Quicken Loans )
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (FL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl XXXX XX/XX/XXXX FACTUAL DATA by CBC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH, XXXX XXXX : Disputing error on credit report dated XX/XX/XXXX required for XXXX XXXX Dear, FACTUAL DATA by CBC I am writing to request a correction of the following information that appears on my FACTUAL DATA by CBC consumer report : Dispute Account Number or other information to identify account : ..Creditor Account Number Owner. XXXX XXXX # XXXX. Reported XX/XX/XXXX. Last Payment : XX/XX/XXXX. Opened XX/XX/XXXX. Limit /Hc : XXXX. Balance XXXX. Past Due {$580.00}. Status Type Vendor : 30 Days late Home Equity Rev.EFX Dates associated with item being disputed. 
The report attached Exhibit A incorrectly shows the existence of a balance of a loan with the XXXX XXXXXXXX XXXX The truth is that both me and my wife XXXX XXXX had a loan XXXX # XXXX. Loan Date XXXX : Principal {$100.00} which was fully paid on time and date XX/XX/XXXX. As such, please see Exhibit B, attached document issue by XXXX XXXXXXXX XXXX that contain the pay off, original satisfaction of mortgage and Original Promissory Note. 
I made a loan application with XXXXXXXX XXXX on XX/XX/XXXX and the existence of the loan in question with the XXXX XXXXXXXX XXXX  is affecting my credit score negatively. 
As can be seen in the Credit Report I have not defaulted on my credit obligations, I have no past due debts, and it is unfair to keep this loan pending when it was fully paid on time. 



Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Over an extended period, I have diligently contested the inaccuracies present within the information provided to Equifax, XXXX, and XXXX. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date.

Equifax 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection 3. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX  Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX 1. The following personal information is incorrect Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 3. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX  Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection 4. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX  Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection 5. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX  Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection 5. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection
Consumer complaint received 2023-05-22
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)

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 XXXXXXXX, 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 an 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 2018-07-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (AZ)

On or around XX/XX/2018 I received a phone call from an individual claiming to be a representative of XXXX XXXX XXXX XXXX claiming I owed them {$1000.00}. I stated that I hadnt received any written communication in reference to the alleged debt they claimed I owed and stated that I had no intention of communicating with them via telephone and to put everything in writing. I received a letter dated XX/XX/2018 stating I have a past due balance of {$1000.00} and the creditor is XXXX XXXX. Account # XXXX. 
Lets make something perfectly clear. I OWE XXXX XXXX XXXX XXXX NOTHING. Ive never heard of them or done business with them. They continue to harass me on a daily basis, calling for fake local exchanges to mask there identy. As I stated I politely asked them to cease and desist telephone communication with me but they have blatantly violated my request. I owe these parasites nothing. They havent provided me any documentation that suggests that they are a legitimate company and not some SCAMMERS out to rip off an unsuspecting person like myself.
Consumer complaint received 2021-03-30
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. (CA)

I XXXX XXXX XXXX disputing the validity of this debt with XXXX XXXX XXXX XXXX, they have CHARGED OFF the account and since this is a charge off and a charge means you are no longer attempting to collect, I can't pay or validate something if you're not attempting to collect. They are also in violation of the following laws listed below ; FCRA VIOLATION 15 USC 1681a ( 4 ) - respect to the consumers right to privacy.

FCRA VIOLATION 15 US code 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

FCRA VIOLATION 15 USC 1681a ( 2 Exclusions ) ( A ) ( 1 ) - report containing information solely as to transactions or experiences between the consumer ( individual ) and the person ( corporation ) making the report ; in this matter i XXXX XXXX am the consumer ( individual ) and XXXX XXXX XXXX XXXX is the person ( corporation ).
Consumer complaint received 2018-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Company was contacted on XX/XX/18 about debt via certified mail. Company received notification on XX/XX/18. It is now XX/XX/18 and I have not heard back from the company yet wrong information is being reported.The FCRA gives the company 30 days to respond.
Consumer complaint received 2023-08-18
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: Self Financial Inc. (IN)

SELF FINANCIAL, XXXX XXXX  AND XXXX XXXXXXXX XXXX  are stating that I do not have the right to opt out when in fact XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' SELF FINANCIAL, XXXX XXXX  AND XXXX XXXXXXXX XXXX are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " SELF FINANCIAL, XXXX XXXX  AND XXXXXXXX XXXX XXXX are a financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from SELF FINANCIAL, XXXXXXXX XXXX  AND XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, SELF FINANCIAL, XXXXXXXX XXXX  AND XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. 


Previous letters were sent as well with no response.
Consumer complaint received 2022-12-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had stolen my identity and someone had used my information and made a large purchases from XXXX XXXX XXXX XXXX XXXX about {$17000.00} During XXXX to XX/XX/2022. 
And I had never authorized anyone to use these transactions. 
Bank of America Credit Card number XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dyck-O'Neal, Inc. (FL)

I had a {$5000.00} promissory note assigned to me in the short sale of my condo back in XXXX. Dyck O'Neal was the debt collector in charge of servicing my note. From the beginning, communication was poor. I began paying on my promissory note In XXXX of XXXX. I set up an autopay and each month, from XXXX of XXXX through XXXX of XXXX, Dyck O'Neal was paid the agreed upon monthly amount. In XXXX of XXXX, I began receiving late payment notifications in the mail, which confused me since I was on autopay. When I called Dyck O'Neal and inquired, they told me my account was fine and my monthly payment had been received. I continued to sporadically receive late payment notifications, and another time when I called, I was told my loan needed to be modified and they would send me the paperwork. Twice, I never received the paperwork they said they sent. So even though I paid Dyck O'Neal every single month, my account was in default. They never once told me this would affect my credit, and that my account was showing late payments month after month on my credit report. Whenever Dyck O'Neal would try and contact me, it was during working hours, and they would never leave messages. I finally did modify my account this year and ultimately paid the remainder off just to be done with them. I am extremely upset that my credit has been destroyed due to their lack of communication and mixed messages that I was told over the past 5 years. I never missed a month in payments, and I don't believe my credit should be impacted by this company.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

XXXX XXXX ACCT XXXX XXXX DATE OPEN : XX/XX/year> {$0.00} ... ... ... ... .Reported late in the past but i was never late.
Consumer complaint received 2021-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have been a customer of USAA for over 26 years and I had a mortgage with USAA for over 10 years. 
My mortgage included an escrow account, and USAA paid XXXX County property and MUD taxes annually as agreed. 
In XXXX, USAA failed to pay the MUD taxes, which were due XX/XX/XXXX. I contacted USAA multiple times by email and phone to ask that they pay the taxes as required. Multiple agents said on the phone that the taxes and accumulated penalties would be paid. The escrow account was fully funded and funds were available for payment of the XXXX MUD taxes. 
In XXXX of XXXX the MUD tax district received the delinquent XXXX MUD tax from USAA, but the late payment penalty of {$140.00} that had accumulated over 6 months was not included. 
On XX/XX/XXXX, I paid the MUD district the penalty of {$140.00} in order to prevent delinquent taxpayer action and additional penalties. The same day, I called USAA to ask for the {$140.00} to be credited or refunded to me. The agent, XXXX, was unable to take any action to resolve the issue. She said the Tax department disputes any penalties and I should get those back from the MUD tax district. I am asking that USAA refund the {$140.00} tax liability they caused.
Consumer complaint received 2020-06-03
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regard to a phone call I placed to your company regarding the accounts listed on XX/XX/XXXX ( calling asking for a legal debt validation ). I called to inquire about these accounts that are listed on my Credit Reports. I spoke to a Customer Service Representative. 

She informed me that she was unable to provide me any legal documentation proving that any of the following accounts are legally valid : XXXX XXXX {$18000.00} XXXX XXXX XXXX  XXXX {$5600.00} XXXX XXXX  XXXX  {$580.00} XXXX  XXXX  XXXX  {$18000.00} XXXX  XXXX  XXXX  {$3600.00} XXXX  XXXX {$0.00} XXXX XXXX - SOUTH {$1300.00} How did you investigate this account without any documentation? You havent provided me with anything not even an account number. Its incredibly frustrating because it affects my ability to get a place to live and a job. 

I need this debt validated or remove all information regarding this account from my credit reports. I am not requesting a copy of the credit report. I am asking for proof that I opened the accounts because they arent mine. They belong to someone else. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX XXXX Cc : XXXX XXXX XXXX,
Consumer complaint received 2019-08-26
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. (GA)

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically get approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report : XXXX/XXXX, XXXX, XXXX XXXX XXXX XXXX. Also there are inquiries on my report I did not authorize as well : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-03
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. (MN)

I do not agree that the said amount of debt is owed by myself, to XXXX XXXX XXXX XXXX. I have not received any documentation of how this amount was generated, from XXXX XXXX XXXX XXXX. To my knowledge I am strongly convinced that I do not owe the stated amount, in fact I do not owe any amount. Unless credible, validation of proof is produced, we are all in full agreement that there is no debt owed by myself.
Consumer complaint received 2019-09-03
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. (TX)

In XX/XX/XXXX I sent my first dispute letter and disputed these accounts ( XXXX XXXX, XXXX ) via certified mail. After they received my correspondence they sent me back a letter stating it was verified. I asked them several times to send me their method of verification with names of persons involved in verification, in which I never received. The last correspondence I sent was XX/XX/XXXX and I still have not received any evidence of this debt.
Consumer complaint received 2018-10-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NJ)

checked my credit reports and found a few Derogatory marks in the beginning of the month that I do not recognize XXXX XXXX XXXX. When I called they could not verify my information and/or provide information about the debt claimed that I owe. On my credit reports it shows that I owe them XXXX
Consumer complaint received 2022-12-27
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. (LA)

I have a court ordered child support payment I am current and no back pay was ordered Credit report is ruining my credit by falsely reporting back due delinquent payments This is false The payments are taken out of my checking account There currently no back or delinquent amounts Please see Judgment
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

I lost my t-mobile phone and money and my account was accessed through it. My money was taken from my savings account and sent to my checking account, then sent to my cashapp, then sent to a XXXX banks while locking me out of my cashapp account. I called as the transactions were still pending and told to call back once they went through. I did so then was blamed for the money taken from my account. Chime has not gotten the amount of money I need refunded correct since I placed the claim, it is only supposed to be for XXXX total. XXXX I had to set up another account in order to dispute the charges and they too blamed me. They are both stealing people 's money and not protecting them when supposed to. Please assist this has been going on in Disputes for over a year and u also have a police report that was filed and given to them as evidence. Along with multiple screenshots showing my whereabouts and the transactions that were taking place and the struggle I encountered trying to not get my account hacked.