davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Emerge Financial Services, Inc. (CA)

Mortgage lender - XXXX XXXX XXXX # XXXX I applied for the mortgage on XX/XX/XXXX. The lender filled out my application and sent me the document to sign. But the forms were already filled by the lender. 
XX/XX/XXXX - i got my loan pre approval from the lender. 
XX/XX/XXXX - i put my earnest money deposit into escrow account. The closing date was supposed to be XX/XX/XXXX. 
We did not close, the lender needed more time to verify info. The seller was kind to extend the loan contingency. Not sure why it was not done earlier, all info was provided by me right after request from the lender. 
XX/XX/XXXX - XXXX sent me an email that my loan is approved. The closing date was expected to be XX/XX/XXXX. On XXXX XXXX the lender informed my agent that we can remove the loan contingency. The closing date was supposed to be XX/XX/XXXX, as XXXX advsed my agent. On XX/XX/XXXX it was still no closing, some delay from the lender again, but as i was informed we are almost there. we did walk through with my agent on XX/XX/XXXX. XX/XX/XXXX i signed the documents with the notary, and i deposited the downpayment at the escrow account. When i was signing the documents i saw my loan amount and loan number XXXX, by XXXX XXXX. Same day the lender informed me that the loan was 'cancelled ''. XXXX assistant texted me to email XXXX that i 'refuse to purchase due to personal reasons ''. I refused to do so, i wanted to purchase the property and i put my downpayment in the escrow account. I questioned the reasons why the loan cancelled. I was informed that it happened because of sellers cancellation, That is not true. He gave another reason to the agent. and there were few more different excuses, none of them was true. The sale did not happen despite my countless efforts to make it go through. I lost half of my earnest money deposit - {$6000.00}, also i had another expenses like {$450.00} home inspection, {$500.00} appraisal, some escrow fees around {$200.00}, number of another small fees, about 50 hours of my time, time off work, stress, and also the prices went up so now it is hard to find the comparable home at this price.
Consumer complaint received 2020-12-08
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: CORELOGIC INC (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-02-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (NM)

I sent a debt validation request via USCB website on XX/XX/XXXX requesting information to validate debt for accounts listed by USBC representative as : Act # XXXX {$15.00}, Act # XXXX {$890.00}, Act # XXXX {$510.00}, Act # XXXX {$0.00}, Act # XXXX {$10.00}, Act # XXXX {$34.00}, Act # XXXX {$25.00} and Act # XXXX {$40.00}. In return, they sent a letter back on XX/XX/XXXX that did not contain the information to prove the debt was mine. The letter contained only account # s, amount due and creditor name. A certified debt validation letter was sent on XX/XX/XXXX requesting validation of debt information. I received only 3 letters for three out of eight accounts which are listed as follows : Act # XXXX {$890.00}, Act # XXXX {$25.00} and Act # XXXX {$34.00}. In these letters, it contained my private medical records/information that is a direct violation of XXXX privacy regulations. I never signed a XXXX form authorizing them to have access to this information. In addition, the remaining accounts were not validated after two attempts to ensure this was indeed my debt. Please delete this information from my credit file and cease all collections activities for the noted accounts above.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2021-07-12
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. (NC)

I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigation or are they just automatically verifying things without conducting a investigation as required by law? No wonder XXXX XXXX wants to do away with the credit bureaus, they are useless.
Consumer complaint received 2021-05-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MN)

Sent bureau a letter to dispute inaccurate accounts XX/XX/XXXX Sent a verification letter XX/XX/XXXX Sent a no response letter XX/XX/XXXX Sent a letter stating that I was going to file a complaint XX/XX/XXXX I never received a response from any of my letters
Consumer complaint received 2018-10-02
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)

inaccurate information reported to the credit bureaus, FTC violation, submitted the FTC report to all 3, Sent PO report already, more than 45 days
Consumer complaint received 2017-12-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: GMA Investments, LLC (CA)

On XXXX XXXX, XXXX at XXXX, XXXX from XXXX XXXX called me and left a message that he had left numerous messages for me. That is false. He also tried to call other people who he thought might be related to me. These people have told XXXX at XXXX XXXX  on XXXX XXXX, XXXX to not call them again looking for me. XXXX told the people that he called looking for me that I gave XXXX their phone number. That is a false statement. 

This company calls my home phone and cellular phone 10 plus times a day and does n't leave messages. The calls start at XXXX and do n't stop until XXXX. 

The telephone numbers for XXXX XXXX  are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX, California per caller ID. 

They are not the original creditors.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo charged a deferred 12 months interest to my account. 30 % of my principal balance. I was told when I signed up for the card that I would have no interest for 12 months, and then it would start to begin incurring interest in the 13th month. I was never told and it was never explained to me what deferred interest was or that that was the terms of the card that I signed up for. 3 weeks ago I noticed a charge for 72 % of my remaining balance. I called Wells Fargo, who told me there was nothing they could do because I did not have any issues with my mailing address, even though I never received any notices stating any of this information. I am still within 30 days of the charge as of today. I feel like I have been duped into paying much more than I ever would have agreed to.
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

I called XXXX XXXX store card which is a part of Citi Bank. The interest rate is rather high. I have NEVER missed a payment and asked to have the interest rate lowered they said no. 

I feel I am being unfairly treated and want to complain.
Consumer complaint received 2017-12-18
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. (WI)

I have called, sent and faxed over letters to TransUnion about having inquires on my credit report that I did not approve. I have not heard anything back I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the  accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. If they are unable to show me proof.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. Here are the following inquires that should not be on my Transunion report. 


XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXInquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

IC systems responded to my complaint with a form that show they know my name and address. This is not a validation, it seems as if someone used my mane and address and obtained a phone and this company is requiring me to pay for it. I have not done any business with this company nor XXXX  and they should not be able to submit information thats false to the credit bureaus.
Consumer complaint received 2019-11-16
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: Experian Information Solutions Inc. (GA)

XXXX XXXX I pulled my credit report. Wanted to get ready for loan to buy new home. 
I saw that XXXX  and Experian credit reports have XXXX  XXXX XXXX XXXX  entries in COLLECTIONS status. I did not go to XXXX XXXX XXXX during the periods that these services were provided. 
XXXX XXXX went to XXXX Hospital thinking that they put someone else medical fees against me by mistake. I have never been contacted by anyone about the labs. They looked me up and that I was self-pay with no insurance was listed and they had my home address incorrect in their database. This is when I found out that the labs were from XXXX at home care. During this time period an XXXX hospital gave me a XXXX XXXX that required at home health care by XXXX. XXXX, without my knowledge took my bloodwork to XXXX   XXXX XXXX without XXXX insurance information on the paperwork. I asked XXXX Hospital for copies of the XXXX  forms XXXX   submitted and all of them had my correct home phone number. I was never called. XXXX knows my correct home address since they provide " at home care '' but they were not asked. Since Obamacare, everyone has insurance but they had me down as " no insurance ''. I mailed a letter to the address they had listed for me to see what response the USPS would give them. A week later, I received the letter back from the USPS stating that it was the wrong address. So XXXX  Hospital would have been told for each incorrectly addressed bill that it was the wrong address. Instead of doing any basic or minimal due diligence to contact me ( call my phone number, get with XXXX for my correct address, or XXXX  my address ), XXXX  Hospital used the credit report system to harm my credit. I had to contact XXXX  Hospital two more time to push them to file their claims with XXXX. They were paid within a week of their actually filing claims with XXXX.
Consumer complaint received 2019-11-16
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. (GA)

XXXX XXXX I pulled my credit report. Wanted to get ready for loan to buy new home. 
I saw that Equifax and XXXX  credit reports have XXXX  XXXX XXXX XXXX  entries in COLLECTIONS status. I did not go to XXXX  XXXX XXXX during the periods that these services were provided. 
XXXX XXXX went to XXXX  Hospital thinking that they put someone else medical fees against me by mistake. I have never been contacted by anyone about the XXXX. They looked me up and that I was self-pay with no insurance was listed and they had my home address incorrect in their database. This is when I found out that the XXXX  were from XXXX at home care. During this time period an XXXX hospital gave me a XXXX  XXXX that required at home health care by XXXX. XXXX, without my knowledge took my bloodwork to University XXXX XXXX without XXXX insurance information on the paperwork. I asked XXXX  Hospital for copies of the XXXX  forms XXXX  submitted and all of them had my correct home phone number. I was never called. XXXX knows my correct home address since they provide " at home care '' but they were not asked. Since Obamacare, everyone has insurance but they had me down as " no insurance ''. I mailed a letter to the address they had listed for me to see what response the USPS would give them. A week later, I received the letter back from the USPS stating that it was the wrong address. So XXXX  Hospital would have been told for each incorrectly addressed bill that it was the wrong address. Instead of doing any basic or minimal due diligence to contact me ( call my phone number, get with XXXX for my correct address, or XXXX  my address ), XXXX  Hospital used the credit report system to harm my credit. I had to contact XXXX  Hospital two more time to push them to file their claims with XXXX. They were paid within a week of their actually filing claims with XXXX.
Consumer complaint received 2021-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On XX/XX/2021, I provided the bureaus ( XXXX, Transunion, & XXXX  ) proof from the Oklahoma bankruptcy court that I havent filed bankruptcy and they dont validate that info to outside credit reporting agencies either. Instead of removing the mixed/merged information from my credit profile, they sent results saying the info was verified, but not validated, by a third party vendor.
Consumer complaint received 2017-12-19
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. (NM)

TransUnion has been informed multiple times about incorrect information on my report, and refuses to remove it. Specifically due to Identity theft committed by my ex-wife, the XXXX XXXX XXXX account represented by XXXX XXXX XXXX in the ammount of {$240.00}. This account has been removed from all of my credit reports multiple times, but is put back on when TransUnion attempts to sell me one of their monitoring products that I decline to purchase. 

Even though XXXX XXXX has acknowledged this account to be fraudulent and closed the account TransUnion refuses to remove it from my report.
Consumer complaint received 2020-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (GA)

I have a debt on my account from XXXX, I have no knowledge of this debt nor have I received any letters from creditors naming me as the owner of this debt. This debt is fraudulent. This debt in amount of {$270.00}, from XXXX, dated XX/XX/2020, to be collected by Focus Receivables Management is not valid. Obtain verification of the debt or obtain a copy of a judgment and mail myself a copy of such judgment or verification. I request of this office to provide myself with the name and address of the original creditor.
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (CT)

This is a closed account. I charged only {$200.00} and have paid {$230.00} this company refuses to completely close this account and now theyre telling me the balance on the closed account is XXXX and after the XX/XX/XXXX of each month they will continue adding late fees and interest on the closed account. At this point they are charging late fees and interest on late fees. They refuse to close it out completely and remove these absurd fees they continue to add to the closed account. I would like for them to close this account completely and remove those fees. I have paid them all I owe them.
Consumer complaint received 2020-12-07
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-04-02
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. (CA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX