davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

information on the credit report that is not mines. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 
This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records.
Consumer complaint received 2022-08-22
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. (FL)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX XXXX**** Balance Owed : {$6.00}
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

An unauthorized check drawn transaction is showing in my Chase checking account. 

Date : XX/XX/ Date posted to my account : XX/XX/ Amount : XXXX Company showing as : XXXX XXXX XXXX Customer service number on the check : XXXX XXXX XXXX It says " No signature needed - This check has been electronically autorized by voice or electronic verification by your depositor ''
Consumer complaint received 2021-02-27
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. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments weresupposed to be removed ON MY XXXX XXXX XXXX XXXX XXXX the dates were XXXX, XXXX I was an authorized user on that XXXX XXXX account and I have been removed from that account that I am not financially responsible for. The owner of that account has since had the Late Payments removed from her accounts due to the CARES ACT that calls these agreementsaccommodations. She had no income and was unable to make any Payments as an act of a natural disaster ( Pandemic Shutdown ).
Consumer complaint received 2023-04-16
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. (PA)

I will need to work on improving my credit score before I can apply for any loans in the future. Also saw some hard inquiries on my report that I did not make myself and that's making a big impact on my report. It's important to have a good credit history in order to qualify for favorable loan terms and interest rates. I was hoping you could not apply for a car loan, but I could not. I was attempting to purchase a home and apply for a car loan, but I was unable to do so because of issues with my credit report. There shouldn't be any damages on my report since that is defamation of character in accordance with the 15 U.S.C. 1681 statute.
Consumer complaint received 2021-08-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Time Investment Corporation (NC)

Be it known to all who call themselves " government, '' their " courts, '' agents, and other parties, that I, XXXX XXXX, am a consumer whose consumer rights are to be protected by the FDCPA, TILA, and FCRA. I certify under penalty of perjury that the foregoing is true and correct. This statement of truth to be presented will display blatant acts of consumer rights protection violations and fraud against myself being a consumer by Time Investment Corporation T/A Time Financing Service located at XXXX XXXX XXXX XXXX, XXXX, NC, XXXX ; which will continuously be referred to as " Time Financing Service ''. Time Financing Service first violated federal per 15 USC 1692g ( a ) when on 8/13/2021 they failed to give prior notice of debt but instead chose to violate 15 USC 1692f by using unfair practices to collect a debt when the company filed a smalls claims suit against me at the XXXX County Courthouse located in XXXX NC. The sharing of this alleged debt with a 3rd party without prior consent from myself violates 15 USC 1692c ( b ). I also never gave Time financing Corporation prior consent to contact me about debt collection which violates 15 USC 1692c ( a ). The fact that time financing services is blatantly using deceptive means to attempt to collect an alleged debt violates 15 USC 1692e and has become harassment which violates 15 USC 1692d. I plan to report this harassment, slander, defamation of character, and violation of my consumer rights to the OCC, FTC, and NC State Attorney General office for the company 's poor and fraudulent practices when attempting to collect an alleged debt stemming from a consumer credit transaction. If Time Financing Services can not validate this debt then they must delete the account and stop all attempts to collect an alleged debt immediately to avoid the continuous violation of state and federal law that says I am not obligated to pay this alleged debt per public law chapter 48 stat. 112
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

Ive made 2 previous inquiries to Freedom Mortgage via phone about removal of PMI ( Private Mortgage Insurance ) once my loan to value was under 80 % in XXXX. I was told that PMI wouldnt be  removed until the original date the loan is due to be under 80 % ( several years from now ), even if I reached this number sooner than that date. I sent an electronic message via the Freedom Mortgage website on XX/XX/XXXX. I received an electronic response that stated informed us about the " BPO Process '' and getting our house appraised in order to start the process for PMI removal. This was the first time i was notified about this process and appraisal. Whether deliberate or customer service incompetence ( or lack of knowledge ), I've overpaid PMI Fees since XX/XX/XXXX. Freedom mortgage failed to inform us about the BPO process during my previous inquiries. We were not informed of the BPO process until Freedoms Mortgage 's reply on XX/XX/XXXX. Since we've met all requirements for removal of PMI since XX/XX/XXXX. On XX/XX/XXXXWe sent a electronic message via the Freedom Mortgage website requesting that they waive the BPO fee of {$100.00}, and refund all PMI payments made following the loan balance reaching 80 % of original value. On XX/XX/XXXX we paid the mortgage in full ; we called Freedom mortgage to make sure the wired funds were received and to check on the PMI request. The representative stated that the wire was received ; however, they did not see the written request made on XX/XX/XXXX. I informed the representative about my request to refund PMI payments, and they she stated that thats not something they typically do.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Charge Card Balance on XX/XX/XXXX XXXX XXXX - {$850.00} Payment Info Status date XX/XX/XXXX This past the 6-year statute of limitations to collect on an account required by Georgia law . I have asked them to remove it on more than one occasion and I have filed a dispute with the credit the MAJOR credit reporting companies.
Consumer complaint received 2019-10-23
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. (OH)

information on the credit report that is not mines. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 
This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records.
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc. (CA)

Recieved the response from the company and they lied about why I saw the price I did. Here is my original complaint. 

The incident involves the crypto.com exchange and occurred on XXXX at what I show to be XXXX am PST. on the application I was going through some of my holdings checking various prices to be able to sell off some to make a purchase I needed for work. I come to a currency called Shiba Inu ( SHIB ) that I purchased XXXX dollars worth in early XXXX of 2021. As I looked up on the applications confirmation to sell screen it shows the exchange rate at XXXX USD I SOLD XXXX SHIB  because I thought I was going to reciever XXXX cent per share like it shows me on the confirmation page. When I contacted the support team they took a very long time to get back to me and kept passing me around to someone else who didn't know what my issue was or at least pretended not to. I belive that's because they were doing their best to hide or change details of my transaction. About 5 days or so go by and I get their explanation. They try and tell me that the transaction I made was actually made XXXX min earlier than the time of my screenshot and that o saw that price but did not press confirm ... ... ... no one in their right mind would not press confirm if they saw that price. They stated I sold off that very specific number then went back through the whole process and inputed the exact same amount of SHIB, pressed the sell button once to get to the confirm sell screen took a screenshot but didn't press confirm ... ... ... ..Why wouldn't I input my whole balance? Why would I make multiple transactions XXXX min apart and pay extra fees to do so? The answer is I didn't. Their system malfunctioning is not my problem and im supposed to belive everything they tell me without verification and to belive their accuracy when they clearly had multiple issues on the accuracy of their application. They a CEX so my wallet address is tied to them but they will not provide me any information for me to be able to verify the transaction on etherscan or any other block chain explorer. Unfortunately I downloaded my transaction history a few days later giving them time to alter it, it does not show any timestamp data. The truth is exactly that. I saw the price of XXXX cent freaked out pressed some random numbers that wouldn't exceed the overall amount I had and pressed confirm. The price of crypto changes by the Second. They hold the price for an amount of time so that you can get the price they say on the confirm screen. I did not receive what they said I was going to ND consequently Sold off a long term hold that I will never be able to aquire for the price I obtained it for originally
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX/XXXX/2022
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

THIS COMPLAINT IS REGARDING BANK OF AMERICA ACCOUNT XXXX.MULTIPLE DISPUTES HAVE BEEN INITIATED THROUGH XXXX AND OTHER BUREAUS.IN ADDITION THE CREDITOR WAS ADDRESSED IN CFPB DISPUTES AND COMPLAINT. 
BANK OF AMERICA AND XXXX ARE DEPICTING ERRONEOUS LATES.NOW, I PLAN TO SUE BOFA AND XXXX  FOR EVERY FRAUDULENT VERIFICATION/CERTIFICATION THAT HAS BEEN ACCOMPLISHED.THE STATUTORY DAMAGE AMOUNT IS XXXX DOLLARS PER INFRACTION WITHOUT PROVING NEGLIGENCE OR INTENT.FOLLOWING THE RESULT OF THIS COMPLAINT I WILL SEND A DEMAND LETTER TO XXXX  AND BOFA SEPERATELY DEPENDING SOME-WHAT ON THE OUTCOME HERE, OTHERWISE I WILL ADD XXXX EACH TO EACH CLAIM IF UNSATISFIED AND I WILL SEE YOU IN COURT OR NOT IN XXXX SUPERIOR COURT. 
THE 2 VERIFIED DISPUTES DATED COMPLETE ON XX/XX/19, DISPUTE CONFIRMATION NUMBER XXXX AND XX/XX/19, DISPUTE CONFIRMATION NUMBER XXXX FROM XXXX SHOW THE LATES AS EXCLUSIVE AND DIFFERENT FROM THE EXCLUSIVE AND DIFFERENT DATES SHOWN ON PAGE ONE FROM THE BOFA FINAL LETTER.REMOVE BOFA FROM ALL BUREAUS
Consumer complaint received 2019-10-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (WI)

Last year in XXXX, I opened a brand new checking and savings account at BMO bank with bonus promotion. 
They promised my that the bonus will be automatically deposit to my bank accounts after qualifying days, which should not be later than XX/XX/2019. In XXXX, I was called on Military XXXX XXXX order, after I went back from the order in XX/XX/2019. I still didn't see the bonus in my both accounts, so I called the banker in XXXX XXXX, WI. I was informed that the bonus will be deposit to my accounts soon. After a couple of weeks, i only saw the bonus in my checking account, not savings ans with addition paperless statement bonus ( {$50.00} ). Up until now, I still have not got any bonus in my saving account. 
This is against the terms and condition policy of BMO bank when I opened my accounts with them. Now, it made me believe that BMO bank does not have ethical code of conduct and integrity to do business with customers.
Consumer complaint received 2021-03-24
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: Advanced Collection Bureau, Inc. (FL)

Advanced Collection Bureau continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that Advanced Collection Bureau reported this entry to my reports on XX/XX/2019, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. Once I became aware of this negative entry on my credit report, I immediately began disputing. 

My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Advanced Collection Bureau. To that end, I sent a letter to Advanced Collection Bureau ( see attached ). To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. Advanced Collection Bureau is unable to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor, XXXX XXXX XXXX. Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt. 

Advanced Collection Bureau is a copy of the financial responsibility page as requested, nor did they provide a copy of the signature page with the provider of service to release my alleged information to them, as well as cease any credit bureau reporting until the debt has validated by me and they did not cease.

It is obvious that Advanced Collection Bureau is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit reports immediately. It has been long overdue for them to respond and they've not ; therefore, delete this entry immediately.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

A XXXX account for XXXX has been opened in my name without my consent or knowing, and I have become a victim of my identity theft. 
this creditor has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Consumer complaint received 2022-07-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERE SOME ANOMALY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly 100 % inaccurate on my credit. 
This is hurting my credit score which is very important to me so I could prove my credit worthiness if I will apply some things. I know you will understand me in this situation because you are a customer too. Right? So I demand you to do an investigation on these accounts I listed here because this is very important to me. so please .... conduct this investigation and I hope that I could hear some good news after this. Thank you