davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unique Management Services, Inc (IN)

I recieved communication from a debt collector. I invoked my specialized remedy as a consumer under 15 USC 1692 of the Fair Debt Collections Practice Act. My rights have been violated with a list of fourteen violations. 

There were six ( 6 ) listed violations in the first affidavit submitted to Unique Management Services Inc. D/b/a Unique National Collections. An invice was sent along with my affidavit to address my remedy as a consumer. The six violations are listed below in the affidavite are listed for your review below. 

1 ) 15 USC 1692A.

2 ) 15 USC 1692B ( 2 ).

3 ) 15 USC 1692B ( 5 ).

4 ) 15 USC 1692A.

5 ) 15 USC 1692D ( 1 & 2 ).

6 ) 15 USC 1692E ( 2-a ). 

To which the aforementioned debt collector responded with a letter that does not address my affidavit, nor the violations, nor my remedy. to wit I responded with a second affidavit and invoice which includes eight more violations. The violations are listed below. 

1 ) 15 USC 1692B ( 5 ).

2 ) 15 USC 1692B ( 5 ).

3 ) 15 USC 1692A.

4 ) 15 USC 1692C ( a ).

5 ) 15 USC 1692C ( b ).

6 ) 15 USC 1692D ( 1 & 2 ).

7 ) 15 USC 1692E ( 2-a ).

8 ) 15 USC 1692B ( a ).
Consumer complaint received 2017-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IN)

I am submitting a follow up complaint. After deception regarding a forbearance Wells Fargo then stalled the process when I was able to pay off the entire balance as of XX/XX/XXXX. They finally ( thru their lawyers ) submitted an offer to end it ( Attached ). I wired the payoff ( Attached ). It is now XX/XX/XXXX and they send a letter saying they " expect to complete our work by XX/XX/XXXX ''. They also say they may charge their " loss '' to us as taxable income to us. I argue they had no loss until they began refusing to accept our money and continued to drag out the payment acceptance. They ignore my requests to be contacted via email. They only call, leave a message, and can not be reached. I requested email in order to have documentation as I have learned that what they tell me on the phone is not what is what their intentions are.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NM)

My Siblings and Parents Companies have ' XXXX XXXX Dollars with XXXX XXXX XXXX which, In turn Pays an Experien Representative that ' works in 'poor ' decision making.. As, I Could not. understand the Continued Fees I pay to the Credit Bureau, Bank , Creditor and Insurance Company in a Continuing Identity Theft, Fraud, and Scamming. Potentially, the Personal Theft in a Made Cause could be. Hundreds of Thousands of Dollars amongst ' all the Credit Bureaus. XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

This account has been disputed several times to XXXX, Experian, and XXXX-XXXX  and the outcome is always VERIFIED as ACCURATE. The pages attached are from XXXX and Experian is also reporting identical data. 
XXXX XXXX  XXXX sent me a IRS XXXX Discharge of Debt on account number XXXX and the date reflects XX/XX/XXXX in the amount of XXXX which differs from the {$2400.00} currently reporting as accurate. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-5 ) a XXXX  ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-3 ) a {$2400.00} balance, {$1700.00} past due balance, charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-2 ) a XXXX ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-1 ) a {$2400.00} balance, {$1800.00} past due balance, charge-off. 
On XX/XX/XXXX, I mailed an Affidavit of Truth and fact to XXXX XXXX to clear up the problem of reporting unverified information from XXXX XXXX ; a similar affidavit was mailed to Experian with a notary of the public page completed in blue ink. Both XXXX and Experian failed to refute any of the facts including dates of dispute and demands to produce Method-of-Verification and Proof-of-Verification. The credit bureaus ( XXXX XXXX and Experian ) are using automated dispute equipment to process these disputes and a machine is unable to determine the difference between a dispute and a legal document, a computer is unable to render a fair decision outside of its programmed inputs. This is not a reasonable investigation as outlined in XXXX V XXXX  ( XXXX ). I OBJECT to the use of XXXX as the method of verification ( MOV ). Dispute results were sent to me and some of the data listed was obtained directly from the foregoing affidavit and not a dispute. 
XX/XX/XXXX, I mailed the attached Affidavit to XXXX to produce Proof-of-Verification in the form of a sworn affidavit or the production of the original Loan Agreement bearing my signature. USPS certifies delivery on XX/XX/XXXX ( tracking provided within the attached file ). There is a ten day clause included for XXXX to notify me of their refusal to comply, nothing was sent to me by XXXX indicating their intent to deny proof-of-Verification. 
Any reasonable person can see that the CRA is just passing on information provided by XXXX and there is NO PAPER available that can VERIFY the INACCURATE information disputed over the past year. In the past, XXXX has sent me some statement pages that do not identify the charges in question that are believed to be charged without the card present and the result of Identity Theft. Experian and XXXX   have been notified to block this account under FCRA Section XXXX.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (WA)

I am Writing to File a Formal Complaint against American Express : They have been a challenge to deal with on 3 main large scale issues : 1 ) Difficulty in getting anyone from any appropriate department to credit back a XXXX  membership fee that should have resolved after account closed shortly after opening. 
Being tossed back and forth between several different departments spending hours and days on the phone. 

2 ) Unfair and unethical practices regarding fraud disputes. Rejecting fraud claims from XXXX in XX/XX/XXXXand refusing to credit valid consumer disputes when proof was provided. Automatically charging back {$36000.00} worth of charges at once on 8 different accounts and inaccurate credit reporting showing 350 % over credit limit when the accounts were separated. Harassment and aggression from XXXX XXXX XXXX with unwillingness to work with me to resolve claims. 

3 ) Closing all accounts on no formal basis and severely decreasing my credit score with no explanation.
Consumer complaint received 2021-09-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2021 I mailed a letter asking for an investigation to verify questionable accounts on my credit report. I has been almost 5 months and I still haven't received a response and these unverified accounts are still listed on my credit file.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-04-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I did not authorize these inquires that are on my Experian credit report and they refuse to give proof of them and will not delete them CRA 's must correct or remove inaccurate, incomplete or unverifiable information in their files. 
In accordance with the written instructions of the consumer to whom it relates. 

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( 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 promptly delete Thanking you in advance. I demand the following inquiries removed immediately. The following inquiries are unauthorized : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. Inquiry Date :XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-02-19
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 XXXX XXXX XXXX
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent this document to Transunion and they are saying they have not received my document I would like the bankruptcy XXXX to be remove from my credit report.
Consumer complaint received 2021-04-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Benworth Capital Partners LLC (PA)

On XXXX XXXX I applied for the PPP loan for the 1st time ever via XXXX. On XXXX XXXX I received a notification the I could not apply for the 1st draft loan because I had already received it. I thought this may be an error and I waited a few days to see if it would clear up on its own. After a few days the processing portal still showed that I received the loan for the 1st draft even thought I had never received it. I immediately called the SBA who is the government agency that provides the funding for the PPP loan. I explained to them exactly what was going on and I also provided them with the loan number that shows it was funded to me. After giving the loan number I was told that SBA could not provide any further information other than the loan was funded. I was told to contact the Attorney General Office and to speak to someone at XXXX. I have called XXXX and emailed and still have not received any type of communication back. Today I logged into my XXXX account and it now says the under of the 1st PPP loan was a company called Benworth. I called Benworth and after waiting over 2 hours to speak with a representative I was told to email my concerns and then the representative hung up on me. He did not take the loan number or any of my information. I have tried to contact Benworth numerous times and have had no luck in this matter.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2021-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX claim I opened a credit card account in XXXX. I do not recall open an account. Six months later XXXX XXXX XXXX sold the alleged account to XXXX XXXX XXXX. XXXX XXXX XXXX. has never made any contact or taken any action against me to date. XXXX XXXX Bank was sent a dispute letter in XXXX and never responded, so the account was removed from all three credit reports. XXXX XXXX XXXX. was sent a dispute letter in XXXX to which they never responded too. They continue to report to the credit reporting agencies. I am disputing the validity of this account and the actions of XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2021-04-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (TN)

On XX/XX/2021 I received a foreclosure sale date, but never received a default or breach letter previously. I contacted the loan servicer and requested the sale be postponed do to failure to notify me and allow me time to resolve it. They will not stop the sale date and as well will not review and process my hardship application sent to them on XX/XX/2021 which they acknowledge receiving. Additionally, the loan was modified previously through the HEMP program.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I applied for a 30 year military choice loan for Navy Federal Credit Union on XXXX. 

I was approved for a {$400000.00} loan at 3.7 % interest with 0 % pmi and 0 % down payment and 0 origination fees. I was in contact with the mortgage officer, XXXX XXXX, to discuss certain topics, this took place on XXXX and XXXX. I received the preapproval letter and started searching for homes. 

From XXXX to XXXX I was not in contact with XXXX XXXX. He did send me some emails asking how the search was going but I did not respond as there was nothing to update him with. 

I contacted him on XXXX to inform him that I put an offer on a house. XXXX informed me that since I was not in contact with him that my mortgage was withdrawn. There was no notice, no warning nor did he tell me that it was required to stay in contact with him to maintain the loan application. 

XXXX directed me to reapply for a new loan. I did and now it is at a 4.5 % interest rate, which is .8 % higher than the previous loan I had. As of now there is no recourse to reopen my previous application. 

My complaint is that NFCU did not inform me that constant communication was required, did not give me an expiration date for the mortgage, nor did they inform me that they withdrew the account. I believe it was done with bad intent as interest rates are rising and they wanted to have me reapply.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

-- STUDENT ACCOUNTS -- 1. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

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

4. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$0.00} -This is not my account.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (CA)

HELLO MY NAME IS XXXX XXXX, I NOTICED SOME UNAUTHORIZED INQUIRIES ON MY REPORT & ACCORDING TO THE FCRA I'D LIKE TO HAVE THEM REMOVED IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX