davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

I have recently received a copy of my consumer report XX/XX/2022 and am frustrated to have found so many inaccurate accounts being furnished in errors. Pursuant to 15 USC 1666b, a creditor may not treat a payment in a credit card account under an open-end consumer credit plan as late for any purpose. Congress has noted that XXXX, Equifax and XXXX XXXX is not backed by any government agency and is simply an elaborate mechanism developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character and general reputation of consumers. Congress has also made it clear that XXXX, XXXX XXXX and Equifax have assumed a vital role in assembling and evaluating consumer credit and other information on consumers pursuant to 15 USC 1681. Per Congress l, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, XXXX XXXX and Equifax acted impartially towards me because you furnished inaccurate information l, defaming my character and reputation, with no proof. Not to mention l, I never gave XXXX, XXXX XXXX and Equifax any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b as well 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) because information solely as to transactions or experiences between the consumer and the person making the report should be EXCLUDED from a consumer report so you have no authority to furnish this information. XXXX, Equifax and XXXX XXXX has caused me severe stress and anxiety due to these abusive and unfair practices.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I submitted to them a claim a dispute the stating that my account had unauthorized use while I was incarcerated. I had possession of my card at all times never gave up the card information, no other authorized users and was not able to make any transactions as I was incarcerated I was asked for proof of incarceration I provided that and also a police reporter was provided they then said i would be contacted. I was told that i can't file a dispute until the account was reopened. I didn't get to spend my money that was in my account they will not resolve the issue. They will not reopen the account or allow me to access it and rectify the situation.
Consumer complaint received 2021-02-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NC)

A ) XX/XX/XXXX - pre-approval from Quicken Loans for VA loan financing up to $ XXXX {$900000.00} B ) XX/XX/XXXX - property under contract for purchase offer of {$690000.00}, option period of 14 days, fee {$350.00}, ( end XX/XX/XXXX ) C ) XX/XX/XXXX - travel accommodations booked, home inspection purchased D ) XX/XX/XXXX approximately XXXX central time, received notice from Quicken Loans that underwriting can not qualify applicant for purchase amount. 
E ) XX/XX/XXXX - XXXX central time, phone resolution discussion with Quicken Loans who admitted income was not properly vetted during pre-approval process and complaint filed with Customer Relations. 
F ) XX/XX/XXXX - XXXX pacific time, resolution from Quicken Loans, proposed reapplication timeline for financing would result in option period expiration with potential for further losses ( XXXX XXXX XXXX  ) without guarantee of financing secured for contract. 
G ) XX/XX/XXXX - XXXX pacific time, client relations offer to refund {$500.00} application deposit, refusal to compensate for additional financial loss due to improper vetting for pre-approval Amplifying information : I am filing a complaint against Quicken Loan. I received pre-approval after going through initial underwriting for up to $ XXXX $ XXXX and made a purchase offer under the pre-tense of qualification. Just prior to close of option period on home purchase, Quicken Loans notified me that I did not qualify for the VA loan due to an issue presented that my spouse 's income no longer qualified due lack of a confirmed job offer to area of the new primary residence. At no point prior to this were we notified that this would disqualify us for VA loan finance. No new material financial information was provided or updated from initial pre-approval/underwriting. Home inspection fee, option fee, travel and accommodations had already been booked/executed by the time we received notice and were unable to be cancelled or refunded.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. You can reach me at [ your phone number ] or [ your email address ] if you require any additional information or clarification. I am asking for your immediate assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed :. {$0.00}
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

The person that charged the card advised the credit charged to be credited. Best Buy Visa by Citibank didn't issue the credit. They do not understand that I suffered a XXXX XXXX and have my phone number on my business card and wallet.
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (NJ)

I pulled my consumer report and noticed that there were a few unauthorized, unknown inquiries being reported. At no time did I authorize anyone to put anything on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-10
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: CITIBANK, N.A. (MD)

On XX/XX/XXXX, I received correspondence from XXXX XXXX  XXXX, law office representing Citibank , N.A . stating they were a debt collector attempting to collect an alleged debt. 
On XX/XX/XXXX, I mailed a letter asking for validation of the alleged debt. 
On XX/XX/XXXX, received another correspondence from XXXX XXXX  XXXX listing information and not validating the alleged debt. 
On XX/XX/XXXX, mailed an Affidavit of Loan Denial certified to XXXX XXXX  XXXX that went unrebutted and stands as truth in law. 
On XX/XX/XXXX, mailed the same Affidavit of Loan Denial certified to Sears/CBNA that went unrebutted and stands as truth in law. 
On XX/XX/XXXX, mailed the same Affidavit of Loan Denial certified for a third time that went unrebutted and stands as truth in law. 
On XX/XX/XXXX and again on XX/XX/XXXX ( due to usps delivery delays ), I mailed a notarized Affidavit C & D certified to XXXX XXXX XXXX. 
On XX/XX/XXXX, I received documents from District Court of Maryland for XXXX County stating the case had been voluntarily dismissed. 
On XX/XX/XXXX and again on XX/XX/XXXX, I mailed a notarized Affidavit of Truth demanding that the information being reported to the three consumer reporting agencies be deleted from my three consumer reports, subrogation of the bond to settle the charge and an invoice for XXXX for violating the following FEDERALLY PROTECTED CONSUMER RIGHTS15 USC 1681n, 15 USC 1681o, 15 USC 1692c, 15 USC 1692d and 15 USC 1692g.
Consumer complaint received 2021-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC. (WI)

Saw that I owe a debt that is in collections to a company I've never heard of and has made no attempt to contact me regarding it. It is also not the original creditor so whomever this company is, I don't have a contract with them regarding this debt
Consumer complaint received 2020-11-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION (AZ)

I had my BBVA CARD ONLINE BANK LOCKED ALL BECAUSE THEY SAY I SENT A CHECK SO I TRIED TO DO A FRAUD ALERT TO THE FRAUD DEPARTMENT AND ALL THE CUSTOMER SERVICE REP.THAT HELP ME DIDNT WANT ME TO EXPLAINLIKE SHE KNEW MY SOTUATION AND I GOT UPSET AND I HUNG UP THE PHONE SO NOW I CANT GET ANY FUNDS
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information  per the new law. The bankruptcy XXXX listed does not include this information and should be deleted. I have disputed this bankruptcy several times and the data has not been updated since the new law took effect. Per the dispute with Transunion on X/X/17 that was completed X/X/17 the last time the bankruptcy was verified was on X/X/17. The address that Transunion is claiming was used to verify the bankruptcy as mine XXXX XXXX XXXX XXXX IL is not mine and does not belong to me, nor is that address listed on my Transunion credit report.
Consumer complaint received 2017-08-04
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. (WA)

XX/XX/XXXX Dear XXXX XXXX and or XXXX XXXX : On or about XX/XX/XXXX I contacted XXXX XXXX about misinformation the company made and placed on my credit report. I disputed the information and contacted the DAC, ( Delinquency Assistance Center ), a XXXX third party partner. I spoke with XXXX who told me XXXX had provided the information I was disputing to XXXX, XXXX and Trans Union.
Specifically, XXXX said XXXX reported as of XX/XX/XXXX I was more than 120 days past due on my mortgage. That information is untrue. XXXX also said XXXX XXXX  and or XXXX policy is to report mortgages as delinquent or late even if the mortgagee continues to make payments which I did after contacting XXXX to request mortgage assistance.
I was approved for a reduction in payment plan in XX/XX/XXXXand thereafter placed on a modification plan with a 3-month trial payment period that I paid as agreed. Nonetheless XXXX reported to the credit agencies I was 120 days delinquent in XX/XX/XXXX. I believe incorrect reporting violates the Consumer Protection and Fair Debt Practices Acts.
Any payments not made on my mortgage occurred because XXXX  instructed me to not make payments until after my modification was completed. I did as XXXX instructed. I want my credit reports corrected and future reporting to be accurate as according to law. I want a statement from XXXX explaining its policy with supporting legal documentation.
I look forward to hearing from you.
Consumer complaint received 2018-07-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Synovus Bank (SC)

I'm A SINGLE MOTHER WHO OF XXXX WHOM HAS BEEWN TRYING TO CLOSE ON MY FIRSY HOME FOR ALMOST 3 MONTHS NOW. I HAVE PROVIDED EVERTHING TO MY BANK SEVERAL TIMES AND KEEP GETTING THE RUN AROUD. ITS BEING THROWN UP IN MY FACE BECAUSE MY FAMILY AND I NEEDED DOWN PAYMENT ASSISTANCE AND ITS UNFAIR. I'M UNSURE WHAT TO DO AT THIS POINT AND MY SELLER IS ABOUT TO PUT THE HOME BACK ON THE MARKET BECAUSE IF IT. WHAT DO I DO? I HAVE ALL MY PROOFS TO BACK UP MY CLAIM AS WELL. MY REALTOR ALSO IS SEEING THE SAME THING AND SUPPORTS ME IN THIS MATTER. MEANWHILE MY FAMILY AND I HAVE BEEN LIVING OUT OF BOXES AND SLEEPING ON THE FLOOR. I RECENTLY HAD TO ADOPT A XXXX OLD BABY AND A XXXX YEARF OLD. I'VE PUT EVERTHING I HAVE INTO THIS HOME AND NOW MY BACK IS AGAINST THE WALL. CAN YOU HELP ME PLEASE OR DIRECT ME TO SOMEONE WHO CAN? 


THANK YOU
Consumer complaint received 2020-09-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2018-04-03
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. (TX)

I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX / XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-04-03
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 (TX)

I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XXXX / XXXX Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I went on Experian.com XX/XX/2023 and I noticed my personal information was incorrect. According to 15 USC 1681 everything on my consumer report has to be accurate. Having incorrect information can hurt my chances for upcoming approval.
Consumer complaint received 2020-09-17
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. (IN)

Transunion completed an investigation and still claims that their error is accurate. The account that they claim is still open has been closed for XXXX months.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I contacted Equifax several times about missing information on my credit report. I have two federal student loans with XXXX XXXX and I have three credit cards with XXXX XXXX. None of these accounts are on my Equifax credit report. This agency is withholding information which is a violation of the federal fair accuracy act. I would like my two student loans and all my XXXX XXXX   credit cards to be reported correctly immediately.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX
Consumer complaint received 2021-08-10
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: ENCORE CAPITAL GROUP INC. (TX)

This company is a very fraudulent company MIDLAND CREDIT MANAGEMENT uses all kinds of fraudulent way to to extort payments for debts they can not verify, they have been reporting very negative information every month on my credit report with the goal of destroying my credit so i will be forced to pay for a debt that they can not verify its mine. 
They have been calling me on odd times
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have tried multiple times to have my name and social security number corrected on my Equifax credit report. The company is completely disregarding my my disputed information. I have forwarded a copy of my driver 's license, social security card, and utility. I wad sent a response to my dispute on XX/XX/2023 and the name above my address is clearly not my name and I have provided multiple documents to verify my identity. I would like the record to show that my accurate XXXX is XXXX XXXX. I do not go by any other name or alias. The incorrect name of XXXX XXXX is on my credit report dispute. I am NOT XXXX XXXX. I am requesting this name be removed from my credit report immediately.
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I applied for a Capital One Credit card and was approved for a credit limit of {$15000.00}. Since that time, i have used the card here and there. Lately, i have been in the process of looking and buying my first home. I was instructed not to use my cards, or use them as little as possible. While in the middle of getting approved for loans on my home, it was brought to my attention that my credit had dropped because of Capital one ( without notice or contact or acknowledgment from me ) decided to lower my spending limit from $ XXXX down to $ XXXX DUE TO NOT USING IT ENOUGH!!!!! This is absolutely unacceptable. I paid my balances on time, and have never been late with the company. Now because you woke up one day and decided to mess with my credit, my home loan was changed around and had to be restructured and much more costly due to my credit rating decrease that was caused by Capital one. Upon my calling of customer service, i was rudely told it was my fault and there would be nothing Capital one will do because it is in my fine print that Capital One can do whatever they want to my account. The rep was completely unhelpful and made the situation even worse. Also refused to allow me to speak to ANYONE above him. That he was the final decision maker in this matter and there was nothing he or capital one would do to help at this time.
Consumer complaint received 2021-02-23
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. (SC)

I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.