davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (DE)

I was laid off my job in XX/XX/XXXX that I was at for nine years. I started receiving state assistance by the state of Delaware. It seem there was an overpayment in XX/XX/XXXX or XX/XX/XXXX. The state claimed they sent me a letter in XX/XX/XXXX to an address I was no longer at and some one signed for it. 
when they had a correct address for me.XX/XX/XXXX my son was still receiving XXXX. never received the letter at the correct address that they had for me. The debt was paid by me from my income taxes that were intercepted. 
this is how I found out. I have been working very hard to clear all my debt one at a time since regaining employment in XX/XX/XXXX with better income to allow me to clear my debt one at a time. I have done a pretty good job. I am in the process of trying to obtain a mortgage I have written all XXXX credit bureaus explaining how this judgment is hindering me from obtaining a mortgage, XXXX and XXXX has removed it from my credit report I have made several attempts with Equifax to remove and they have n't and continues to update my credit report with it every month that drops my credit score.
Consumer complaint received 2020-03-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (VA)

On or about XX/XX/XXXX I applied for a refinance with my current lender Loan Depot. This is my 2nd refinance request within the past 6 months That has been turned down for low LTV because of the appraisal ordered by Loan Depot. 

What strikes me as very odd is that my city assessment Real Estate Statement reflected a higher value that even my home appraisal. I called my local city assessment real estate office to challenge their assessment since I had Pay for an appraisal with Loan Depot. After speaking to my local real estate City Assesser office in Virginia they informed me their assessments are 90 - 95 % of market value according to the Code of Virginia. 

After several attempts by phone and by email someone Loan Depot refinance finally responded to my concerns regarding the appraisal. My original loan officer didnt even bother to reach out to me. They told me that I could challenge the appraisal. They understood the grounds for which I was challenging the appraisal due to my city assessment come in way over the appraisal which normally does not happen. 

My concern as a consumer which pay for the appraisal although I understand Loan Depot ordered it. I find it very difficult to believe that in the last six months my appraisal has not changed. 

I am concerned that there may be an inappropriate relationship with Loan Depot and the Appraisal company that they use and that there might need to be another level of oversight to make sure that these appraisal fair and equitable to the consumer. 

I understand that home loan values affect the pricing of the loan. However if an equitable and unfair appraisal of the house is performed for whatever reason. It can definitely negatively affect the pricing of the loan for the consumer and in my case deny them the opportunity to refinance and lower the monthly payment. 

Hopefully no other consumer has experience what I have experience twice in a row. Its uncanny the likelihood of this happening so close together
Consumer complaint received 2020-02-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio (TN)

I had an account with XXXX XXXX that went into collections. They sent it to a third party. I was contacted by a few third parties over this debt so I honestly do not know what XXXX XXXX was doing but the last one that contacted me was the one that had it on my credit report. I paid the debt. Now this Vance and Huffman add the same balance to my credit report. I contacted them and they state the other company does not have rights to the debt so I have to pay them even though I already paid the other company. I called XXXX XXXX and they stated the original company I paid has actually got the debt. I called Vance and Huffman again and explained it and they rudely argued with me and refuse to work with me. They state they will not remove it from my credit report even though I paid the other company and the original creditor agrees it is paid off. I do not know what to do. They refuse to help and all this when I was trying to get my house refinanced and now have to pay a higher interest rate because of this. Both XXXX XXXX and Vance and Huffman has handled this poorly as XXXX XXXX is telling me there is nothing they can do as they are no longer responsible because they sold the debt.
Consumer complaint received 2021-06-05
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: JPMORGAN CHASE & CO. (FL)

i opened a fraud investigation with my chase credit card services against a company i made a charge to that was later cancled and never refunded for.chase credit card services was hesitant to open the investigation and a month later after presenting evidence of fraud against the company has not resolved my complaint and has refused to release any information regarding my complaint.the bank is harboring fraudulent companies and should be shut down.please investigate this company and protect the people
Consumer complaint received 2022-04-11
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. (NC)

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 2022-06-26
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: Experian Information Solutions Inc. (FL)

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (PA)

I am an elderly lady who doesn't check my credit report a lot but when my child showed me how I realized someone rented an apartment using my name, The name of the creditor is XXXX XXXX XXXX they are on my credit report 3 times with a total debt of XXXX which is not mine. Also there were several hard inquiries on my report XXXX XXXXXXXX, XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX DBA XXXX
Consumer complaint received 2020-02-03
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: Rocket Mortgage, LLC (FL)

PREDATORY LENDING, UNAUTHORIZED CREDIT INQUIRY On Friday, XX/XX/XXXX, I received an unsolicited call from Quicken Loans. The banker said she would like to review my account and see if there are any refinance offers available. I did not authorize the banker to run a credit inquiry, and the call ended. I then received a notice from my credit monitoring service that all three credit bureaus had received a hard credit inquiry. I contacted Quicken Loans to make sure they knew I did not authorize a credit inquiry and they refuse to remove it. My phone number is also on the do not call list. I was also contacted by unsolicited texts without my consent. 

Quicken continues to falsify the story, dismiss the negative impact to my credit report, and is unable to provide any evidence of my consent to a credit inquiry.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (FL)

Delete Late payments from XXXX from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2022-08-23
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. Additionally, please supply the description of the procedure used to determine the accuracy and completeness of the information. This is your final chance to resolve the inaccuracies on the items : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}, Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Consumer complaint received 2022-04-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (FL)

Sallie Mae is charging me outrageous interest rates up to 10 % for private student loan for my XXXX XXXX completed in XXXX  I am currently earning less than {$25000.00} per year in revenue and they will not come up with any flexible payment options. I am having to pay {$470.00} a month or my credit will suffer as well as my moms who is the co-signer. My mom is also out of XXXX They offer no forbearance, no reduced rates absolutely nothing zero resources. Please help me I can not continue to pay these outrageous payments. These people harass myself and my family nearly day and night with calls, emails and texts it is absolutely unbearable.
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (NY)

XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states that 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. 

XXXX XXXX  Account # XXXX and Account # XXXX In accordance with the Fair Credit Report Act XXXX XXXX  Account # XXXX and Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states that 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. 

XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Report Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states that 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 2022-04-11
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: ERC (FL)

Recently I decided that I wanted to review my credit due to my interest in purchasing a home within the next 2 years. After carefully reviewing my credit report I saw a lot of things that I have no acknowledgment of. Someone stole my social security number and opened accounts in my name. There were even address from Georgia and Ive never even been in that state before.
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC (LA)

Alltran Financial LP is in violations of the following federal laws 15 USC 1692d - Harassment or Abuse, 15 USC 1692e ( 2 ) ( A ) - False and Misleading Representatons,18 USC 1028 - Fraud and related activity in connection with identification documents ( Social Security ). Pursuant to 15 USC 1692j, ANY forms, statements or any documents sent by your office are considered DECEPTIVE forms because they are being used to create the FALSE belief that I, the consumer to whom these alleged debt claims relate, owe you any alleged debts.
Consumer complaint received 2018-05-14
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: EQUIFAX, INC. (NV)

since XX/XX/2017, I have sent over 25 letters to the three credit agencies, XXXX, .Equifax and XXXX . Those letters were comprised of ; change of personal information ; hard inquiries ; collections of fraud ; accounts that are fradulant etc.. Each letter was timely, giving 30 days response time with notices of possible small claims action, yet they refuse to correct /remove the mentioned complaint.
Consumer complaint received 2022-10-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Receivables, Inc. (GA)

Written notification for verification of who and how this alleged debt was verified to this debt collector has been sent on the following dates : XX/XX/2022 & XX/XX/2022, with no response each time. On both occasions, a 30 day investigation period was given. This company has not been in compliance of the FCRA laws during this investigation.
Consumer complaint received 2021-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

On XXXX I had contacted HSBC to close my account due to the fact the 1st of all I never got a bonus for opening an account with the them and 2ndly they're charging me {$50.00} per month. Also, considering I have a checking account with XXXX XXXX XXXX XXXX and the fact that I have rent to pay and I needed to have this account closed and I was advised by the representative on that day that I needed to transfer the balance remaining to my other account. 

After I initiated this charge it did not go through so I tried again. 

Below shows what is in my account now with HSBC ending with XXXX The first time I tried was to send {$1800.00} The 2nd time since that did not go through was. 

{$1800.00} Yet when I checked on the status of both transfers it showed up as suspended. 

Yet in my account I went from having a balance of XXXX on XX/XX/2021 to a negative balance : XXXX on XX/XX/2021. 

I had called multiple times on XX/XX/2021 to have this account brought down to 0 and to have it closed and couldn't. The first representative was XXXX. The 2nd was XXXX and when I asked XXXX for a supervisor he put me on hold and the call got disconnected. There is NO money showing transferred into my other checking account with XXXX XXXX XXXX XXXX. 

Copied below is the information I see on the attempted transfers in my HSBC checking account : Tip : You can transfer funds into your account Don't get caught with a low balance. You can easily transfer money into your account from your outside bank. Set it up now. So you are ready when you need it. 

Your accounts at HSBC are unavailable as source or destination account for the transfer as all your accounts at HSBC are currently suspended. Please contact Customer Service at XXXXHSBC ( XXXX ) for more information.
Consumer complaint received 2022-04-25
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, The following accounts have violated my rights : XXXX Account-XXXX  XXXX XXXX XXXX- Account # XXXX XXXX- Account # XXXX I. XXXX XXXX, XXXX- Account # XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 states that a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX {$1000.00} XXXX {$9500.00} XXXX {$610.00} XXXX {$410.00} XXXX {$920.00} XXXX {$100.00} XXXX {$68.00} XXXX {$470.00} XXXX {$20000.00}
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I 've been working to pay off my student loans over the last two months and twice I submitted payments that were applied incorrectly and on XXXX of the payments they tried to short me {$1000.00}. They were unreceptive to my complaints regarding the incorrect payments both times and even though I followed the website 's instructions to the letter, they still applied the payments incorrectly. I read in the XXXX about the lawsuit regarding Navient and I wanted to ensure my complaint was lodged.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (CA)

Let this complaint be the proof that I need the CFPB to investigate XXXX  and how they are not honoring their legal settlements between them and their clients. 

XXXX and I signed a legal settlement on XX/XX/XXXX. XXXX was to send a deletion notice for the months of XX/XX/XXXX and XX/XX/XXXX to all 3 credit bureaus within 10 days of full execution of the agreement ( once both parties sign ). Per the legal agreement, XXXX was to send an update no later than XXXX. 

Its been almost three months and they havent sent the update to the credit reporting agencies. The credit bureaus are saying no update was sent to them for the late removal. 

We just got turned down for a mortgage, since this late is still on there, and will hold XXXX responsible for damages. I lost the opportunity for a loan due to XXXX ' breach of contract. 

I am afraid that XXXX is committing breach of contract not only in my case but also with other customers. 

See attached proof of agreement and credit report that shows the late payments are still being reported.
Consumer complaint received 2022-08-23
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681cXXXX ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 



XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}