davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC. (FL)

XXXX  Dispute Department XXXX. XXXX XXXX XXXX, PA XXXX Equifax Dispute Department XXXX. XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX AFNI, INC ACCT # - XXXX XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX  XXXX XXXX  ACCT # - XXXX XX/XX/XXXX XXXX  XXXX ACCT # - XXXX XXXX -- XXXX MEDICAL PAYMENT ACCT # - XXXX XXXX -- XXXX MEDICAL PAYMENT ACCT # - XXXX XX/XX/XXXX XXXX/XXXX  ACCT # - XXXX XX/XX/XXXX XXXX/XXXX  ACCT # - XXXX XX/XX/XXXX XXXX/XXXX  ACCT # - XXXX XX/XX/XXXX XXXX XXXX  XXXX ACCT XXXX XXXX XXXX Requested Correction : Please update any and all information to my credit reports and, take notice I have sent all the necessary evidence to support my claim ; therefore, I expect swift result on your part. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correct any and all the item accordingly.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade  Commission. I have also enclosed a copy my state issued identification along with other personal documents that entail my name and current address. 

Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-04-27
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2023-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BOK FINANCIAL CORP (OK)

Sometime in XX/XX/2022 I fell victim to a multilayered scam orchestrated by XXXX.XXXX. This involved transfer of a sum of XXXX dollars from my account in Bank of Oklahoma to a recipient in XXXX XXXX XXXX  for investment purposes. I have been cheated of that amount.
Consumer complaint received 2020-09-04
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. (PA)

Equifax, will not allow me to dispute my XXXX XXXX, Equifax customer service rep, XXXX made up security identification questions to verify my id, I already verify my identification once but was required additional information not disclosed in my credit report. Equifax has violated the Fair Credit reporting act by reporting false information and not allowing me to dispute my credit file.
Consumer complaint received 2020-09-04
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. (MS)

Experian and XXXX are fraudulent on my account XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX DPT EDXXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2022-09-18
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. (TX)

I went to the car dealership to cosign a car at XXXX XXXX XXXX XXXX dealership, and the salesperson told me that they were only going to allow XXXX XXXX to pull my credit report. However, they ran multiple hard credit inquiries on my credit report with the companies listed below. 
I want all the below inquiries deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 106 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Im submitting this complaint due to inaccurate names on my credit report, inaccurate addresses, 1 auto loan account ( XXXX XXXX XXXX ) and unauthorized inquiries. Ive sent in a 609 letter to TransUnion, and also contacted the other bureaus regarding this issue!
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent in dispute letters certified for transunion, experian, equifax and have not received result status nor any response. The date for my dispute letters to all company 's is XX/XX/2021 it has been more than 30 days at this point and I have talked with them to dispute everything because FCA 30 days non response. Every letter has date and information in yellow which I disputed.
Consumer complaint received 2021-07-09
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: EQUIFAX, INC. (SC)

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this date, over 30 days later I have not received a response. I feel like I am being taken advantage of and being ignored with my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those inaccurate items from my credit report. It has been over 30 days, so they should be deleted immediately. I demand those accounts to be deleted immediately or I will file for litigation due to the XXXX you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-01
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. ()

Good afternoon, On XX/XX/2021, I went to XXXX with my 2 friends. At the moment, when we did self checkout an XXXX employee asked me if I want to get XXXX 's points card ( he did not mentioned at all that it was a master card ). And, I agreed to get it as back home ( XXXX ) we always used points cards. But, I never received this " points card '' neither the " XXXX XXXX XXXX I also do not live at that address anymore. So, I don't know if someone else took it and used it on my behalf or I have no clue what happened. After a few months I went to check if I had any letter on my name at the previous address and there I found a letter from XXXX that was saying I have to pay a amount of {$3500.00}. It is a huge shock and amount for me that I have never used. 

I called various times to the XXXX customer care and XXXX XXXX  agent but they always told me they don't have anything under my name. But, now that I wanted to buy a care I came to know that I have to check my credit score, I found it to be very low. I called Equifax and dispute the credit that did not belong to me. But, it was not helpful. 

I have never used this XXXX XXXX and don't even had it. 
Please help me in this regard. 
Thank you Best regards
Consumer complaint received 2017-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (LA)

In XXXX of 2016, my home was flooded in the Louisiana Flood. I have flood insurance. A claim was made to the flood insurance company and a claim was paid. The claim check was made payable to myself and my mortgage company. I contacted my mortgage company to inform them of the damage and of the insurance payment. I also worked with the mortgage company because I intended to self perform the repair work on the house. The mortgage company requested a letter of qualification that i was capable of performing the work and also requested that they be allowed to perform inspections. A letter of qualification was sent, I was approved to self perform, I completed the work on the house utilizing my personal savings account funds. Mortgage company was contacted and an inspection was performed that stated the house was complete. I also turned in receipts for materials spent. To date, the mortgage company will not release my insurance payment to me. It is sitting in an escrow account. Every time i contact them, they give me a different story. I have done everything requested of them and spent my savings to repair my house and they will not release my money. Please help!!!
Consumer complaint received 2017-12-15
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: Experian Information Solutions Inc. (NV)

On XX/XX/17 I contacted Experian about unauthorized inquiries on my credit report. I spent almost a hour on the phone and waited for a supervisor so that I could dispute the unauthorized inquiries. The rep I talked to first told me I would be able to dispute or delete them with the supervisor and I was transferred and waited on hold for almost an hour. Once the supervisor got on the phone, he said he could not help me. Every inquiry on my report was not aunthorized by me except XXXX XXXX in XXXX 2017. Every other one is no authorized by me. I would like these deleted.
Consumer complaint received 2018-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

On XX/XX/XXXX, I spoke to XXXX at Ditech with the concern that my unapplied funds balance was not reflecting the XXXX paid every month for the past three years. She told me I had to write to ask for these funds to be returned to the unapplied funds balance account and that sometimes it is applied to principal. I am very concerned that I have to write asking to return the unapplied amounts. I receive notice when escrow/disbursement tax/insurance are paid. I have not received any notice from Ditech explaining to me when the unapplied funds are transferred. I am requesting full disclosure regarding disbursement of funds and asking these funds to be returned to my unapplied funds balance. 
My monthly billing statement clearly reads that Any partial payments that you make are NOT applied to your mortgage, but instead are held in a separate un-applied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage.
Consumer complaint received 2022-09-18
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: NRA Group, LLC (FL)

According to the FCRA the following companies XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX NTL Recovery Agency account XXXX, & account XXXX have violated rights 15 U.S.C 1681 section ( A ) ( 4 ) I have the right to privacy 15 U.S.C 1681 section ( B ) ( a ) ( 2 ) nothing can be furnished to my consumer report without my written consent 15 U.S.C 1681 section ( A ) ( 3 ) ( a ) ( b ) ( c ) any medical bills or information should not be on my consumer report.
Consumer complaint received 2021-05-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (CO)

I applied for a mortgage loan back in XX/XX/2020. XXXX XXXX Senior Mortgage Banker at Mutual Of Omaha located at XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX, became my loan officer. XXXX XXXX my broker had been communicating with XXXX about the house contract, XXXX asked for my file information and asked if it was ready to be sent to the underwriter for loan commitment approval ; XXXX said that my file was complete and it was being sent to the underwriter for conditional approval but unfortunately XXXX sent an email on XX/XX/2020 stating that I had to do an amendment of taxes due to an unreported XXXX XXXX  from my CPA on my taxes ( which the underwriter noticed last minute ). This email was sent 2 days after the new loan termination deadline on XX/XX/2020 for this reason I have lost my earnest money due to a lender late notice about missing documents. I was never notified by XXXX XXXX nor other representatives of Mutual Of Omaha of the missing reported income until XX/XX/2020 which was after the new loan termination deadline. 
Mutual of Omaha did not keep in mind that my earnest money was in jeopardy due to the late notice. 
I want to complain about her not revising my file correctly before deadlines and for this reason I have lost my earnest money for the amount of {$5000.00}. 

I was never notified of the missing documentation on time before my earnest money was in jeopardy, I want to claim my monetary loss due to a lack of revision, communication from XXXX XXXX and all the other parties involved in Mutual  Of Omaha.
Consumer complaint received 2021-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (UT)

I fully paid off this account months ago and sent in the equipment. I have proof of package dropoff at XXXX. XXXX said they would cancel the collections but have not. They continue to call me constantly, yet every time I try to get in touch with someone who can fix the situation, I get sent in circles until I get told someone will fix it, but then it's never fixed.
Consumer complaint received 2021-02-01
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. (MN)

I have sent a few letters, to be more specific since XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX explain and also sending prof that they are reporting inaccuracies like re-age account and also balances that are wrong but they keep ignoring me and have not sent me correct info. 
Also to be more specific on " XXXX XXXX XXXX '', " XXXX  XXXX XXXX '', XXXX  XXXX, XXXX XXXX ''. this accounts have re-age and show inaccurate info.
Consumer complaint received 2017-12-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have written to the Bureau a total of 4 times. I have stated I had no acknowledgment of this account and was asking for documentation for validation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by  not complying with what is being asked. 

They have also written that if I do n't have any more documentation that they will " no longer investigate. '' Im sorry but that is unacceptable. Not ONE account that was listed was verified, shown form of verification, not updated, or taken off my credit report. I have done everything the proper way. I have informed them if they continued to not comply I was going to use my rights and use litigation and get monetary damages under FCRA section 616 & section 617.
Consumer complaint received 2022-04-27
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. (NY)

Experian, XXXX and XXXX has failed to remove the following from the credit report. I have tried to disputed XXXX XXXX, numerous of times and the information is incorrect. I have also called the following companies to remove the hard inquiries from my account and have refused to do so. list of hard inquiries will be attached You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.

You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures. 

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

Access to your file
is limited. A consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (TX)

On XX/XX/2021, I purchased a XXXX dishwasher in the amount of {$1300.00}, order number XXXX from Home Depot in XXXX TX,XXXX. The appliance was set for delivery on XX/XX/2021, On day of delivery the appliance was damaged, I refused delivery, and cancelled the order. I was advised by Home Depot Credit Card services, which is adminstered by CItibank, that I could not receive a refund on my Home Depot credit card until the damaged appliance was returned to the manufacturer and that I would be obligated to pay the credit card balance until the appliance was received by XXXX XXXX the manufacturer. It seems predatory to charge someone for a product they never received. The refund should be automatic to my Home Depot credit card, the appliance returned to the store of purchase and Home Depot should return to manufactuer. In addition, I am XXXX years old was never advised of this credit policy and no where on the purchase contract does it state this policy.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 9. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately