davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc. (FL)

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As FCRA, a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Consumer complaint received 2024-02-22
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NJ)

I was preapproved for a mortgage on a home in NJ. I'm a first time home buyer with excellent credit and 20 % down for the purchase. Rocket Mortgage/Quicken Loans approved the mortgage and informed me there were no issues and we would close on time with no problems. One day before closing, Rocket/Quicken informs me of an issue with the home being in probate. I was not aware of this and 1 day before closing is not the appropriate time to tell me this. They then proceed to have the loan looked at by their research team who comes back and tells me the loan is no longer approved. This is 1 day before I close on the home. In addition this was a relocation and my goods being relocated were on schedule to arrive to the home after the weekend I closed. Due to Rocket Mortgage incompetence, I had to scramble to reschedule the relocation truck, cancel a XXXX reservation and track deliveries that were scheduled after the closing. I'm wondering how/why Rocket/Quicken can do this after approving me and after all their requests were approved by attorney review and title review. Can you assist in any way?
Consumer complaint received 2019-06-05
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 pulled my credit report and saw inquiry on my report that I had question about I sent the letter to credit bureau to validate or please remove if they can not provide proof to please remove they said they can not dispute or remove that it can not be done I told them due to fair reporting credit act section 1681 that if the can not validate it has to be remove they told me that it was not possible to remove I talk to the supervisor but did not want to help
Consumer complaint received 2022-04-07
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: CAINE & WEINER COMPANY, INC. (NC)

Filed a complaint 2 times with with XXXX abut this situation. XX/XX/XXXX & XX/XX/XXXX I requested proof of debt from Caine and Weiner from Progressive and they did not send proof if debt from Progressive until XX/XX/XXXX after they placed it on my credit report XX/XX/XXXX. By law I have the right to request the proof of the debt from the original creditor and they have to provide me with it it a timely fashion before reporting this debt on my credit report! This company failed to provide me with the necessary paperwork after requesting it for 2 months straight. It is unlawful and downright disgusting and every time I call to handle the matter I am being sent to voicemail. I will take legal action if necessary.
Consumer complaint received 2022-04-07
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-07
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. (AL)

CONTACTED THIS COMPANY ABOUT ALL OF THE MULTIPLE INQUIRIES LISTED ON MY CREDIT REPORTS AND THEY TOLD ME THAT THEY DID NOT HAVE A FRAUD DEPARTMENT THAT THEY COULD TRANSFER ME TO. I FOUND THIS TO BE ODD BECAUSE THIS IS A HUGE COMPANY AND THEY DON'T HAVE A FRAUD DEPARTMENT TO REPORT TO IS ODD TO ME.
Consumer complaint received 2021-12-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I been sending Transunion disputes the last XXXX months about a false bankruptcy on my credit report. However, they are not properly investigating because XXXX and XXXX are not reporting this false bankruptcy. I even contacted XXXX and they also have no record of it. Transunion is clearly violating my right to have an accurate credit report.
Consumer complaint received 2020-12-09
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. (NC)

I have a XXXX XXXX credit card that is being reported by the CRAs as late for the following months : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This information is inaccurate and despite providing proof of payment to XXXX XXXX on several occasions, my payment history has never been updated or corrected by the CRAs. This is a violation of the Fair Credit Reporting Act and I would like the erroneous information removed immediately. This inaccurate reporting is having a severe negative impact on me!
Consumer complaint received 2019-11-04
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (FL)

I took out an auto lease from Chase Bank, account XXXX. The lease was a 36 month lease that was set up for automatic monthly deduction from my bank account, at the end of the term Chase Bank assessed a bill for damage to the car, I did not receive this bill and was only made aware of the issue once I was notified of a 30 day late payment by the credit bureau. 

My issues are as follows : 1. The account was set up for automatic monthly payment and any fees should have been deducted as were the prior XXXX  on-time payments. 
2. I was never sent a bill or invoice from Chase until I called them to query the late charge.
Consumer complaint received 2020-10-27
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. (FL)

I have been writing in to the bureaus since XXXX of 2020 and have not received ANY responses. 

Here 's a list of the correspondence : Experian : XX/XX/2020 : Request to remove outdated and inaccurate information. 

XX/XX/2020 : Request to Investigate ( 3 accounts listed with reason for requesting investigation ). 

XX/XX/2020 : Bureau Warning Letter - No responses received XX/XX/2020 : Next round of disputing with 3 letters requesting ( 1 ) description of investigation procedures ( 2 ) all documents contained in their files about those 3 accounts ( 3 ) request to re-investigate. 

I have not received a response to ANY of these requests.
Consumer complaint received 2022-04-07
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. (AL)

CONTACTED THIS COMPANY ABOUT ALL OF THE MULTIPLE INQUIRIES LISTED ON MY CREDIT REPORTS AND THEY TOLD ME THAT THEY DID NOT HAVE A FRAUD DEPARTMENT THAT THEY COULD TRANSFER ME TO. I FOUND THIS TO BE ODD BECAUSE THIS IS A HUGE COMPANY AND THEY DON'T HAVE A FRAUD DEPARTMENT TO REPORT TO IS ODD TO ME.
Consumer complaint received 2022-04-07
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX and XXXX 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 a account without my written instructions
Consumer complaint received 2021-12-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The TransUnion Credit Bureau is reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Attached is my FTC REPORT! 

My Name is XXXX XXXX and I am a victim of Identity Theft. The following accounts provided are Fradulent and my identity was stolen. These negative items on my credit report are Fradulent and not known my be. Please XXXX and remove these innaccurate and fraudlent accounts that are not mine These Fradulent accounts are attached to my FTC Report
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (IL)

they repossessed my car when I never missed a payment & it cost me {$10000.00} to get it back due to rental damage caused to vehicle & & & I was 2 months behind do to cover & up to date on payments but they still repossessed the car
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX and XXXX 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 a account without my written instructions
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, 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 a account without my written instructions.
Consumer complaint received 2021-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MID-ISLAND MORTGAGE CORP. (NY)

2 months after my closing, Mid-Island failed to pay my home owners insurance on time which I only discovered when my insurance provider sent me a Final notice before cancellation. That was since resolved after I frantically contacted anyone I could, including the loan officer, to have this issue resolved. As a result of the failed process of paying my insurance, I asked them to also check and ensure the tax payments, which were due around the same week, processed and were properly received by my town. At this time, the payments are now 6 months overdue and my property taxes are now in arrears and my name and property information appeared on my town 's Tax Lien Sale Bulletin this month.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (GA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. And Pursuant to 15 USC 1681a, the transaction and the experiences between the consumer must not be included in the consumer 's credit report.
Consumer complaint received 2022-04-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Alliance Financial, LLC (SC)

garnishments started XX/XX/XXXX. The fact that the courts in Michigan has never answered my questions since XXXX, nor what monies I owe ( XXXX, {$5500.00}, {$8700.00}, the latest are two I've received are dated XXXX Capital Alliance Financial LLC XXXX XX/XX/XXXX on XXXX XXXX XXXX have all the documents from all the payments they've taken via garnishments, and still taking from my paychecks. I don't know what. The offices of XXXX XXXX are at XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX, MI XXXX, and XXXX XXXX XXXX is P.O. XXXX XXXX, MI. 

Help c
Consumer complaint received 2021-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

I am hearing about lawyer XXXX out of XXXX Texas has been fraudulent about accusations. They dinged my XXXX XXXX like six times. And if they are in the right, I only went to the hospital like two times in 3 years. So how did they ding me more then twice?
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2017-12-22
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. (CA)

I sent this company a letter disputing several incorrectly reported items on my credit report. Correspondence dated XXXX XXXX, 2017, informed them of the accuracies and violations of the FCRA resulting from their negligence and none compliance. There had been inaccurate and incomplete information from the account opened date, closed date, payment history, balance and the highest balance being reported. There are even items that have been removed from the other credit repositories that this company did not. What documents did you use in your investigation? I definitely need a copy of that. The verifying documents that only this company was able to acquire or was only provided to this company. Why and how this company was able to acquire those documents and verify these pieces of information is a mystery since other bureaus are not able to. This obviously looks like a violation of FCRA, Please see attached copies of the letter I am mailing them again.
Consumer complaint received 2020-10-27
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 — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (AL)

XXXX  and experian credit Bureaus allowing Credit Acceptance to continue to report on my credit file..consumer protection and federal trade Commission added a reporting block to my file as of XXXX XXXX I reported to all 3 credit bureaus and sent the documents to each .. Filed over 7 disputes not to Allow credit Acceptance to report and inaccuracies because we're still in legislation and it's truly damaging my chance to be able to purchase my first home ... XXXX vs CREDIT ACCEPTANCE as of XX/XX/2020 Block isnt in effect at All! Still reporting doing so much damage..and it's not helping to keep filling disputes after dispute I been fighting and complaining to no end..I been turned down for approval because of Credit Acceptance still reporting after Block was added as of XXXX 2020 Thank u
Consumer complaint received 2018-02-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Send several certified letters with tracking numbers asking to verify debt and the credit bureau has completely ignored and have not provided a contract or anything with my signature has not been provided regarding XXXX XXXX. my last letter i send is attached to this complaint and has been ignored.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

I am writing to complaint about Citibank Card not refunding the full amount for my cancelled travel tickets. I have called bank several times and have been on the call for hours and hours now but still they refuse to provide me with the refund and keep saying some one will reach out. 

OnXX/XX/2020 I booked air travel ( Trip ID : XXXX ) using Citibanks Thankyou.com redeem points. The air travel was booked for my parents to travel from XXXX to XXXX forXX/XX/2020and returning on XX/XX/2020. I paid total of XXXX thank you point and {$700.00}. Due to Covid-19, I called Citibank on XXXX, XXXX XX/XX/2020 and asked them to change the travel dates to departing XXXX  on XX/XX/2020 and returning on XX/XX/2020 I asked the representative to confirm if there will be any additional charges for the same. I was told there will be no additional charges and changes were made. Than I called Citibank on XX/XX/2020to cancel the tickets and the representative confirmed that I will be getting full refund within next 14 BDs. So I cancelled the tickets on April 14th, 2020 and they finally provided a partial refund on XX/XX/2020. They took 4 months to provide me with a partial refund. For those 4 months I was on the call with Citibank for hours. Each time I call, representative is like it will take another 2 weeks to process the refund, please gives us a call after 2 weeks. Finally I saw a refund on XX/XX/2020 for XXXX thank you points and {$700.00}. So afterXX/XX/2020, I started calling them again to find out what happened to the remaining XXXX thank you points. Finally onXX/XX/2020, I was provided with the explanation and was told they have submitted the complaint and someone should be reaching out to me. Today is XX/XX/2020 and no one has reached out yet. The explanation provided to me was when I made changes to the ticket on XX/XX/2020, the fare of the ticket at that time was less than the original fare that I had paid. So finally on XX/XX/2020, when they refunded me the fare, they actually refunded what the fare was on XX/XX/2020 ( the date I made changes ) and not the full fare which I had paid for the original booking that I made onXX/XX/2020 In all this I am not sure what happened to XXXX thank you points when I was told I will be refunded fully. This is fraud and Citibank owes me full refund of XXXX additional thank you points.
Consumer complaint received 2017-12-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On theXX/XX/XXXX I transfered XXXX to Coinbase from my bank account ( XXXX XXXX, which should take 2 business days, as it was a XXXX. My bank says that coinbase have the money, but it is not showing on my Coinbase balance.

I have contacted Coinbase, and logged this issue with them ( XXXX ) I did this on theXX/XX/XXXX They sent me an email back which was of no help, saying just to wait and see what happens. 

I am very worried that I have been a victim of fraud. I hope you can help me.