davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-18
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. (CO)

On XX/XX/2021 at XXXX, I received a call from XXXX XXXX XXXX NMLS ID # XXXX ) about information I submitted online about a refinance. During the phone call, I asked if I would even qualify for a refinance and told him I just wanted an idea on the numbers I might get. A few minutes later he stated that my credit and my partner 's credit wasn't pulling for him. I told him I had just lifted credit freezes from Transunion and XXXX. after he still couldn't get the credit to pull he stated that " for security reasons, I need both full social security numbers ''. I asked him if this would be a hard credit inquiry and he stated several times it was a soft pull. I agreed to the soft pull. After he pulled the credit I and my partner received credit notifications that a hard inquiry had been processed and it dropped my partners credit 3 points which resulted in her credit score not being in the excellent range. After we received the notifications, I immediately notified him that he had pulled a hard inquiry and we had not authorized him to do so. He responded by saying " I don't know what you're looking at or where you're getting your information but I assure you that I pulled a soft credit inquiry and that all inquiries show. '' I repeated that I received notifications from the major credit bureaus that there had been a hard credit inquiry to both of our credit reports. After that, he started asking us about our employers and we asked why he needed that information when we just wanted to know general information based on our debt and income. He stated he just needed it to fill out the information on his screen. We stated we did not want to apply for a mortgage at this time. He stated he wasn't setting up an application and asked again for our employer information. At this point we ended the call. Immediatly, I checked my email which had an email sent by Mr. XXXX at XXXX, that stated a mortgage application had been started. 

At XXXX XXXX, I called XXXX 's customer service team and who said she would report this information to Mr. XXXX 's supervisor and have them reach out to me to correct the issue. 

Also, I tried to report this to the credit bureaus but they require you to call during their business hours.
Consumer complaint received 2021-05-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2020-11-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GLOBAL TRUST FINANCE, LLC (FL)

This lender caused me to lose {$7500.00} on a deal due to the fact that he qualified me for a loan that was never qualified for. He asked me to provide income for an income that did not exist and he carried the process out for 3 months only to end up with a denial. The seller filed a claim on the escrow funds and now I am without the house as well as the funds lost. His communication was terrible, and he showed no concern or empathy for the trouble that he caused.
Consumer complaint received 2021-05-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (KY)

On XX/XX/2021 I had to sign over our deed back over to Vanderbilt Mortgage. After I and XXXX asked for a loan to improve the house for placing an foundation under our house mobile home to improve the value of the property from XXXX to the estimated price of XXXX the mortgage is making us pay. Now we are having to get evicted from the home we dearly love on XXXX. We're having to go to court for eviction on XXXX. We have nowhere to go and we just now received a letter from XXXX XXXX XXXX XXXX Representative of Vanderbilt Mortgage on XXXX which was mailed out to us on XXXXto try to help us find a place to move to if indeed and I are evicted today!? Please help us with this issue and matter okay? Thank you very much for your help and assistance in this matter of grave importance.
Consumer complaint received 2021-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

Credit control this will be my last warning to you before taking legal action whenever you provide an ICD9 code and current procedure terminology Which is a coding system design for the medical diagnoses and procedures you on your company letterhead sent out what you called a debt validation I have the paperwork that you provide it to me via US mail I will be reaching out to an attorney on Tuesday to take the necessary actions you have a happy and safe memorial day weekend and you will hear from me very soon I promise you thanks credit control!!
Consumer complaint received 2020-06-02
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. (OH)

There are accounts that were included in the bankruptcy but still listed on my credit report. According to the provisions of the Fair Credit Reporting Act 609 A1 E2 Validation and Disclosure 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

I was enrolled in school and AES didnt update their records until 3 months after enrollment. I was told that it would be backdated and my late payments would be removed. They were not. I was never late ever in my 11 years of having student loans beside them marking 30,60, and 90 days late on a loan despite me being enrolled in school. Ive tried to dispute with AES and have received no response or failure to accurately update credit file. I am unable to get a mortgage because of it.
Consumer complaint received 2022-10-12
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX 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 2021-10-21
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. (VA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IA)

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (OH)

Account Details Bureau Name ERC Original Lender XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$230.00} Date Account Opened XXXX XXXX 2015
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ad Astra Recovery Services Inc (TX)

I received a payday loan from XXXX XXXX XXXX and incorrect amounts were with drawn from my checking account on several occasions. After speaking with XXXX XXXX XXXX it was noted that I applied for 2 loans which I had not. They informed me that it would be corrected and I did not have anything to worry about. My original the account was paid in full and should have never been forwarded to a collection agency. I informed AD Astra via certified mail and they still are trying to collect and this account remains on my credit report. The 2nd account must be and err or fraud.
Consumer complaint received 2020-11-14
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. (GA)

Disputed erroneous incorrect bankruptcy reporting on my credit report XX/XX/XXXX. Experian replied back verified by courts or XXXX. I sent XXXX letter XX/XX/XXXX Experian replied back " unable to honor my request. '' I then send a method of verification letter XX/XX/XXXX certified tracking number XXXX which was signed for by Experian on XX/XX/XXXX at XXXX XXXX which multiple reps have stated on XX/XX/XXXX they can not see the letter or they didn't get the letter which is not true. as I have proof they have it. Experian needs to be held accountable for not properly verifying disputes according to the FCRA 611 law which entitles me to proof the debt belongs to me which Experian has failed 3 times to do so. XXXX XXXX @ XXXX I was told by rep XXXX XXXX Experian does not have to give method of verification and they were given the information by the courts. XX/XX/XXXX spoke to will @ XXXX, XXXX XXXX @ XXXX and XXXX XXXX @ XXXX and XXXX @ XXXX who all were not able to provide an update on my dispute. My XXXX file has been suppressed since XXXX including all public records and I have a letter from the bankruptcies court stating they do not and have not furnished info to Experian. Also per XXXX @ XXXX my files is suppressed ref # XXXX # XXXX # XXXX. IF Experian can not and they have not to date properly investigate, verify and prove the record is mine, this needs to be be taken off my credit report immediately as their fradulent negligence and deception is causing me harm and reframing my character. I want the unverified incorrect erroneous bankruptcy off my credit. I have filed a complaint to the XXXX on XXXX ref # XXXX which exerian has yet to respond to and also a complaint to the attorney general office here in GA.
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (IL)

I have a complaint regarding the loan process for our cash out refi with Loan Depot. The initial loan estimate was inclusive of a XXXX point lender credit, with a locked interest rate. This lender credit was taken away during the pending approval process, outside of the legal time period. 
The appraisal did not come back as high as anticipated, so the loan value was adjusted. We requested a little time ( a week and a half ) to decide if we were going to pursue the loan with Loan Depot. During this time period, my loan officer 's boss ( XXXX XXXX ) contacted my and tried to pressure me into deciding before I was ready, as I was " costing him money since the funds were being held for our loan. " I told him to leave the loan as pending, and I would decide next week ( still well with my locked period and giving ample time for the underwriters to review ). It was them he called my husband, pressuring him to decide for us and essentially taking a condescending tone toward me. 

We did decide to go ahead with the loan. Hours after I told the loan officer, XXXX XXXX, XXXX XXXX closed out our original loan and opened a new loan, revoking the XXXX point, costing us another {$1500.00} in closing costs. When I asked the loan officer, she said she would ask to get that credit back on. It took 4 days to get back, and she said her boss ( XXXX XXXX ), and his boss both said no. I asked as to why, and I was told the LTV ratio changed from 75 % to 80 %. This was not the case, as the initial anticipated value of the house was XXXX to XXXX and the initial loan was for XXXX ( this is not an LTV of 75 % ). When I pressed her on this, she then said there " was no margin, '' but wouldn't explain further. I asked for all of this in writing in an email, but she declined. 

There is no legal, valid reason for the credit to be removed. The lender was outside of the legal time frame to make adjustments ( 3 days ). Our appraisal came back on XX/XX/XXXX. The updated loan estimate ( and removal of the credit ) was sent on XX/XX/XXXX. All of this is documented. We were advised from legal that there is a time period that adjustments to credits and points may be made, and that this was well outside of it. 

This was bait and switch pricing, and it was poor.
Consumer complaint received 2020-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (UT)

Police report XXXX is attached. TD Bank/Nordstrom has willingly ignored police reports and have been in noncompliance of the laws and negligently reporting inaccurate credit reporting information to the credit bureaus. Section 605B protects consumers from fraud and identity theft yet the creditor has willingly broken the law and has refused to respond via the CFPB to these claims. Please send back to the original credit as they are not following the law. Also cease and desist all forms of communication as this debt is not valid.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Experian has not deleted the requested item off of my credit report. I have sent over the letter from the court stating that they did not share my personal information and they don't know where Experian got their information about the bankruptcy on my credit file. I also sent over a letter from XXXX XXXX saying that the bankruptcy was deleted from that report as well because they had no way to verify the bankruptcy. 

So if the courts didn't share my information and its not on my XXXX XXXX report I would like to know how is Experian so called verifying this account. This is a violation of my rights according to the FCRA. I want to sue for monetary damages done not only to my credit file but to my personal life due to this account being on my report.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2023 I paid/spent {$1100.00} worth of Chase Ultimate Reward points to book two ( 2 ) hotel reservations, with guaranteed FREE CANCELLATION. When I attempted to cancel for full refund on XX/XX/2023, the vendor ( XXXX ) refused saying the reservation was " non refundable ''. This is Consumer Fraud as the vendor unilaterally changed the transaction terms AFTER booking. XXXX was predicated on Terms and Conditions that allowed FREE CANCELLATION.
Consumer complaint received 2021-05-28
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: JPMORGAN CHASE & CO. (IL)

I received a call from a company called XXXX XXXX XXXX XXXX XXXX saying that I owed for a credit card I never had. In our conversation abusive language was used as well as threats. I couldn't get a word in to explain the situation. 
the amount of this fraud was {$1200.00}
Consumer complaint received 2023-02-01
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. (PA)

( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting.

agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; accounts : 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 2021-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please see attached. XXXX claimed that they resolved my disputes but have not. I've been disputing with them for years. They have XXXX XXXX, XXXX  XXXX XXXX  etc. And 6 inquiries for which I have no contracts for and no authorizations for. These aren't mine. Result of their data breaches? They are willfully refusing to remove all items listed. XXXX XXXX must've been taken out by someone else and XXXX XXXX as well. I have no aligning contracts. My attorney wanted me to submit prior to us sending off formal legal complaints as I'm to receive monetary gain per each item they refused to remove. Per Comprehensive Credit Act of 2020 section 401 there is nothing that should be reporting as these aren't even mine. Please advise them as I'm tired of the situation ruining my reputation and defamation my character.
Consumer complaint received 2021-05-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (TX)

This is an illegal debt collection in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

This unlawful claim should be removed from my credit immediately, as Procollect , Inc. and XXXX XXXX XXXX APARTMENTS are involved in illegal credit reporting. Procollect, Inc. and XXXX XXXX XXXX APARTMENTS have no legal authority to ruin my credit reporting and implement unfair, deceptive, and abusive acts. 

Under the FCRA, Procollect, Inc. and XXXX XXXX XXXX APARTMENTS are liable for statutory damages, actual damages for injuries I suffered as a result, emotional damages for stress or physical ailments caused by this ordeal and punitive damages for these unlawful actions. 

Procollect, Inc. has repeatedly harassed me.The FDCPA prohibits debt collectors from contacting debtors at inconvenient or unusual places. ( 15 U.S. Code 1692c ).
Consumer complaint received 2022-04-28
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. (DC)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters, However, I need these laws applied to my report or I will take legal action. 
15 US code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U, S code 1692k civil liability