davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX XXXX XXXX Balance : {$7700.00}.
Consumer complaint received 2022-01-17
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. (SC)

Please update all of my personal information on XXXX, XXXX, and Experian. My only name is XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX, SC XXXX and my only employer is XXXX XXXX XXXX XXXX ( XXXX ). 
There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2024-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (NC)

This debt is not mine ; the debt collector can not provide any proof the debt is mine as outlined in the FCRA. They can not provide any paperwork proving this is my debt, a signed document or anything. 

Additionally, the debt collector has been using unethical practices to intentionally cause damage to my credit causing financial burden and effecting my mental health. They continue to cycle back and forth anytime I dispute the debt between the names " Wakefield and associates '' and " Choice recovery '' ( both of companies are the same as " Choice recovery '' has been acquired by " Wakefield and associates '' in 2022 and are both reporting the same debt ). Every time they do this It causes my score to drop for the same unverified debt causing severe damage to my credit and making it impossible for me to qualify for credit, more specifically a home loan. Not to mention they are currently reporting the same debt twice on my credit report. 

Furthermore, neither " Wakefield and Associates '' or " Choice recovery '', are licensed to collect debt in the state of North Carolina as required by law here. A cease-and-desist letter has been sent to them to discontinue any further reporting on my credit report and harassment communication.
Consumer complaint received 2020-04-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

My interest rate has been 4.75 % since signing closing documents and I requested for a lower VA 30 year fixed APR. I contacted LoanDepot and asked for a lower APR because rates have lowered however LoanDepot will not lower my interest rate of 4.75 %. 

My mortgage payment has been {$1100.00} however without notification, LoanDepot raised my mortgage payment to {$1400.00} - raising my DTI ratio and credit utilization. When I contacted LoanDepot they told me that they paid County Taxes and when I asked what dollar amount was paid to the County and when - no response from LoanDepot. I contacted the Chief Deputy of the Office of XXXX XXXX XXXX, Tax Assessor-Collector and was told that no payment was received from LoanDepot and LoanDepot has not provided me with any documentation showing what they paid to the tax collector. I am exempt from taxes, so not sure what LoanDepot paid however I would like my account refunded and returned to the original contract terms and conditions. 

Loan Depot also added {$120.00} in Hazard Insurance to my mortgage payments which was not a part of the terms of the contract. I told LoanDepot that the Hazard Insurance is my insurance policy with XXXX - something I pay out of pocket and I asked for my mortgage payment to be returned to it's original amount. 

I contacted the main office in NJ and I am getting the run around and having a lot of trouble with loan servicing, payment processing and my escrow account.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please update all of my personal information on XXXX, Transunion, and XXXX. My only name is XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX, SC XXXX and my only employer is XXXX XXXX XXXX XXXX ( XXXX ). 
There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX 2024
Consumer complaint received 2022-07-19
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}.
Consumer complaint received 2019-03-06
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: UNITED BANKSHARES, INC. (MD)

I received a check from a mortgage company for the proceeds of refinancing. The check was on XXXX XXXX  and was for {$20000.00}. I took it to my bank ( United Bank ) on XXXX XXXX in XXXX, Virginia. They informed me it would take 5-7 business days for it to clear which I think is ridiculous and banks are allowed to take advantage of customers. What takes that long? Yes more of the ( XXXX ) nonsense. So I said I dont see why I need to wait that long, I had the teller to call a manager in my home bank although it had been moved. I have been a customer of United Bank and others they took over for more than 25 years. I was told by teller that their security department suggested that I go to XXXX and get a cashiers check and the money should be available the next day. I did that and was told it would be 2-3 business days. I was allowed to pay {$3500.00} from the check. I waited the three days and went to the bank to get money out what we needed but i first checked my account and found that the funds were available. When I got to the bank the teller checked my ID checked my account and had the money ready to count it out to me. XXXX XXXX was looking at the money and me then came over and started looking over the shoulder of the teller checking my account, he told her to wait until he could make sure the cashier check was good. Why did he think it wasnt good I dont know but I think he thought because I was XXXX I wouldnt have {$6500.00} in the bank. I am sure he doesnt check all cashiers checks to see if the are good, thats why you pay for them. He and another official of the bank started calling people and I waited over one hour before after I called United Bank and had them working on it some one called him and told him to pay me. I missed meetings I was delayed making payments I have XXXX XXXX XXXX and felt terrible and I have sugar XXXX. I have a right to my money and refusing to give it to me is criminal and I will file a complaint.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

XXXX, XXXX, Experian, XXXX score and any and all reporting agency 's none or un-known to me at the time of this complaint,15 USC 1682 In general, a financial institution, may not furnish personal information to a non-affiliate third party unless such financial institution clearly, disclosed to consumer in writing, or in Eletronic, or other form permitted by regulation prescribed form or other form permitted by regulations described by under 15 USC 6801/ 6802 and 6803 of this Title, This was done without my consent. the furnish of personal and incorrect information, without my written consent. The Consumer controls what gets reported. and any unauthorized reports are illegal. Credit Bureau do not exist.

15 USC 6801 the term consumer report does not include, the violation caused the credit. selling, and giving of my personal information. this private information was reported illegally and not protected by law.

This companies are also reporting late payments of department policy, and this is a violation of Title 15 USC 6802 and 6803.

furnishing of inaccurate by consumer reporting agency, has caused irreparable harm to credit, and wellbeing.
Consumer complaint received 2022-01-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have been waiting for over 90 days. I am filing this complaint because UNITED CONSUMER FIN SVC for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i
Consumer complaint received 2023-06-17
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: HYUNDAI CAPITAL AMERICA (OH)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with documentation associated with these accounts bearing my signature, authorizing an inquiry. In absence of documentation bearing my signature I formally request that these fraudulent inquires be deleted immediately from my credit file that you maintain under my social security number. While checking my report, I noticed inquiry I didn't authorize, made by the following companies. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (IL)

Dear CFPB : Previous complaint : XXXX CFPB closed this complaint and XXXX 's has not done what they promised. 

In fact, I just learned that they again submitted the fraudulent account they created to collections. 

As stated in complaint XXXX, XXXX 's tricked me into opening a second XXXX  's account. I had a XXXX  's account for many, many years. They pretended to need to update information so that I could get a coupon for immediate use at the checkout desk. What they really did was open a second XXXX 's account. 

They then sent this secondary account to collection which DECIMATED MY ALMOST PERFECT CREDIT RATING. 

After promising to remove the incorrect information from the credit bureaus, they have now AGAIN SUBMITTED TO COLLECTIONS THIS SECONDARY ACCOUNT THEY FRAUDULENTLY OPENED. 

These people are criminals.
Consumer complaint received 2024-03-19
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)

Equifax, XXXX, XXXX, XXXX score and any and all reporting agency 's none or un-known to me at the time of this complaint,15 USC 1682 In general, a financial institution, may not furnish personal information to a non-affiliate third party unless such financial institution clearly, disclosed to consumer in writing, or in Eletronic, or other form permitted by regulation prescribed form or other form permitted by regulations described by under 15 USC 6801/ 6802 and 6803 of this Title, This was done without my consent. the furnish of personal and incorrect information, without my written consent. The Consumer controls what gets reported. and any unauthorized reports are illegal. Credit Bureau do not exist.

15 USC 6801 the term consumer report does not include, the violation caused the credit. selling, and giving of my personal information. this private information was reported illegally and not protected by law.

This companies are also reporting late payments of department policy, and this is a violation of Title 15 USC 6802 and 6803.

furnishing of inaccurate by consumer reporting agency, has caused irreparable harm to credit, and wellbeing.
Consumer complaint received 2022-07-19
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. (TX)

Despite all my efforts to contact the Credit Bureaus to correct my Credit Report, it is clear that the Credit Bureaus have have failed to pay heed to my disputes. I previously sent a letter addressed to the Credit Bureaus dated XX/XX/XXXX with complete attachments of my personal information and have waited for them to respond. I have been waiting for quite a long time now and I came to a conclusion that the Credit Bureaus have ignored my written appeals. It is as bright as daylight that the Credit Bureaus have violated the Fair Credit Reporting Act section 605b which states that the Credit Reporting Agencies are required to remove any account and information that resulted due to Identity Theft. I am disappointed to see that the Credit Bureaus have done nothin to correct my Credit Report and continued reporting false information without proper verification. I previously submitted a complaint about this matter and I am submitting this complaint once again hoping that the Credit Bureaus would finally take action and have the disputed items deleted as soon as possible. I need the following items removed from my Credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-17
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. (SC)

Please update all of my personal information on Equifax, XXXX, and XXXX. My only name is XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX, SC XXXX and my only employer is XXXX XXXX XXXX XXXX ( XXXX ). 
There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2020-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (ID)

Received a letter in the mail from ERC saying I owed {$47.00} to XXXX XXXX XXXX XXXX XXXX for a previous account. My payments to XXXX XXXX XXXX are withdrawn from my account monthly and are paid in full. Called ERC and got a foreign representative who kept asking me for my credit card to pay the amount and it would be reduced if I gave it to him. I refused and called XXXX XXXX XXXX to find out about it and they had no record of any amount owed and never sent anything over to ERC for collection and advised us to no pay. This is obviously a scam and needs to be reported.
Consumer complaint received 2023-06-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Knight & Hooper, PLLC (TN)

My identity was stolen in XXXX, TN and was used to apply for credit cards, apartments, loans, and bank accounts in Texas. I received numerous of letters in XXXX stating that I was in debt with different companies. I contacted all three credit bureaus and put a freeze on my credit for about two years. I also filed three police reports regarding the identity theft, and reported my identity being stolen to the Federal Trade Commission. I submitted my police reports, along with other supporting documentation to prove my identity was stolen. This resulted in the debts being discharged except for one company, " XXXX XXXX ''. XXXX sunt me the leasing agreement that was filled out fraudulently using my name but there were no ligament signatures, my name was not spelled properly, and there was no documentation as in a copy of a driver 's license or anything. The entire packet had typed names. Steeplechase apartments asked me to fill out an identity theft packet which I did and mailed it to them. They then claimed they did not receive the packet. I later found out that they filed a lawsuit against me for almost XXXX dollars and was served a warrant to appear in court. I called them again stating that I sent them the identity theft packet and they once again claimed they never received it. I then offered to them to fill out another identity theft packet and they stated it did not matter because they were taking a judgment out against me. I explained to them that I never received another court date to even appear in court due to the courts in XXXX XXXX, telling me that my court date would have to be reset due to covid and that they were running off a backlog. I acquired about my court date three times with XXXX XXXX and each time they told me they were waiting for it to be reset and that they will mail me a letter regarding my next court date. I never received the letter. I am currently being garnished for a debt that is not mines and I have supporting documentation proving the debt is not mines. I was in contact with a detective from the sheriff 's department regarding the identity theft " XXXX XXXX XXXX ''. She told me that " XXXX '' went under a new company and that she was going to subpoena them to receive all documents regarding the matter. I haven't been able to get in contact with her but have left messages.
Consumer complaint received 2020-05-25
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 RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE WERE ACCOUNTS AND INQUIRIES THAT DID NOT BELONG TO ME. PLEASE INVESTIGATE AND REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2024-02-26
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: DISCOVER BANK (UT)

Contested this inquiry previously. 
Completed XX/XX/XXXX I Don't Recognize This I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Created XX/XX/XXXX I Previously Disputed This I previously disputed this inquiry stating : " I dont recognize this inquiry by this lender, but I know multiples were made by them in a short time span. I dont remember authorizing them to perform a hard inquiry on my credit report. '' I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry or delete this inquiry.