davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BMO Bank, N.A. (IL)

I put XXXX in my business checking account so I can get the XXXX bonus. I went to the bank and they said something was going on that I have not received the bonus in my business checking account. There was an error opening it up so I thought it started XX/XX/XXXX. I kept my money in there and made 10 transactions on XX/XX/XXXX. There was a lot of confusion because XXXX did not open the account correctly so I had to go back to bank the following week and she informed me that is when my account would be opened. She could not open it with the error that currently happened the week of XX/XX/XXXX. I was then told at the branch I had until the second the week of febuary the XXXX. So for one day im not getting the bonus
Consumer complaint received 2022-04-24
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. (NC)

In accordance with the fair Credit Reporting Act. XXXX, XXXX, and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the U.S.C 1681 Section 602 A. States i have the right to privacy. 

These addresses do not belong on my credit report : 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingPoint Holdings LLC (TN)

I refinanced my home. The refinance included the payoff of a loan for Lending Point. The closing took place on XX/XX/2022, and Lending Point was paid days later. The Lending Point loan was overpaid by {$750.00}. I called Lending Point to request a refund of the overpayment on XX/XX/2022. I was told the refund would be processed in 7-10 days. It has been over three weeks - I have called several times since then ; there has been no explanation for why I haven't received my refund ( other than " we're busy '' ) and no solution has been offered. 

I believe this company is holding on to its customer 's overpayments/refunds in order to collect the interest for as long as possible.
Consumer complaint received 2022-07-18
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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 an account without my written instructions.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (CA)

Thank you for reviewing my case. The overview : My experience of going through a conventional refinance application with Movement Mortgage and XXXX XXXX was miserable. It was during the height of the pandemic and my partner was a floor nurse dealing with Covid patients, but somehow, XXXX XXXX managed to make things even worse. The process started XX/XX/2020 and by XXXX, 2020, after countless requests for P & L statements and multiple " Changed Circumstance '' letters where the points incrementally increased every time from XXXX, to XXXX to XXXX with no word or explanation, I was effectively ghosted by XXXX XXXX who stopped returning my emails deep into the process. As an example of the type of client service he offers, there was also a 2-month delay from XX/XX/XXXX to XX/XX/XXXX for a simple " yes/no '' answer from a second-mortgage holder on subordinating the second. That said, abysmal customer service isn't why I'm reporting XXXX XXXX. My primary issue is the fact I paid {$500.00} for an appraisal he ordered for my loan application ( which as described went nowhere ) and when I reapplied for a loan with another broker, XXXX XXXX in XX/XX/2020, XXXX XXXX refused to release the appraisal, saying no such transfer was possible ( relevant email thread included ). XXXX XXXX assured me the previous appraisal was still good and there was no need to get another one. But since XXXX XXXX wouldn't cooperate, I had no choice but to pay {$520.00} for a new one ( XXXX XXXX, copy included ) so I could pursue the new loan. I should note that ONE MONTH later, I had my conventional refinance through XXXX XXXX approved. I had the same income, same circumstances, same pandemic going on, but no months-long games like XXXX XXXX put us through. My simple request is to be refunded the {$520.00} that XXXX XXXX cost me because he wouldn't simply convey the still viable appraisal to my new loan broker. Considering all the time, effort and frustration he caused my partner and me, I think he's getting off easy. And I hope this note serves to steer those looking for a loan broker in the opposite direction. He's a bad investment of time and trust.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I mailed a letter requesting verification of the information held with the company XXXX, a company I have never been associated with along with any documents or contracts with my wet signature for verification of any contract signed ( which is normal for my operation of business ). They returned with documents that were incorrect including an amount I did not owe them nor did I attend school dated back from 2015 in the amount of XXXX and XXXX including a disbursement date of XX/XX/2015. Not only did they return this inaccurate infomation, they also did not include majority of the things requested for verification for consumer ( including last billing statements, late payment notifications, original contract with wet-ink signature, proof when any debt owed became delinquent, proof of service with state, etc. ) This company is in partnership with the Department of Education XXXX XXXX XXXX and has unauthorized shared information within their operation of business. Including that, information came back under my request of verification in the form of documents including an incorrect mailing address, email address, and typed signature ( not official wet-signature signed per request ) as well as late payments on credit report to a business I never had business with. This matter is affecting my score with inaccurate information unverified and after my request, no action has been changed to remove, going against my rights as a consumer.
Consumer complaint received 2022-05-20
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: Synovus Bank (TX)

I am a victim of identity theft. During a recent review of my credit report, my attorney informed me of creditor " 1STPROGRESSBANK '' issuing a line of credit in my name. This is not my account, nor have I done business with this company. I have never applied for any services, or products, and do/did not authorize the usage of my personal information in connection with or for any monies, or services rendered by this creditor.
Consumer complaint received 2022-09-21
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. (GA)

XXXX XXXX XXXX ( credit card ) XXXX XXXX XXXX ATTN CUSTOMER SUPPORT XXXX XXXX, CA XXXX USA The above credit card company has me listed as a joint account holder of an account that I have not authorized myself to be on. I have tried for over a year to be removed. I have tried contacting the above company to no avail. You have to have a credit card number to access their system. I DO NOT, nor have I ever been issued or asked for a credit credit card from this merchant. I am looking for a way for them to compensate me for falsely reporting reporting on my credit report period. I have tirelessly disputed with the credit bureaus as well to the point they are denying my request to dispute this debtor. Thats why I have turned to you. The bureaus ( trans union, XXXX XXXX ) will have a paper trail of my disputes. Please help me.
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i have a account that i have tried disputing with the credit bureaus. As a consumer i know my rights. I have the right to accurate and fair information to report under my XXXX digit credit number. I never gave consent to this company to furnish my information, They are already in violation of 15USC 1681B. I have a right to privacy as a consumer and they have a duty as a C.R.A. The companies listed in this report have failed to comply with federal law regrading consumer credit.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 without my written instructions.
Consumer complaint received 2022-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

I have been reaching out the the company since XX/XX/XXXX. I noticed I was being overcharged for my escrows. I emailed the company a copy of my tax bill to have my taxes updated and was told it would be completed within 2 weeks. 

On XX/XX/XXXX when I realized through my online account that the update was not done, I reached out again and again emailed the tax bill to the escrow department and was told over the phone it would be done in 5-10 business days. 

I do not have exact dates, but I continued to reach out about twice a month being told they received the tax bill I sent but the update was not completed. 

On XX/XX/XXXX, I spoke with a supervisor XXXX who was very disrespectful and condescending. She told me the taxes would be completed in 2 weeks ( XX/XX/XXXX ) and that I should trust her because shes a supervisor and if she says it will be done it will get done. 

I called today XX/XX/XXXX and spoke with another supervisor whos name I do not recall. He was respectful, but told me something entirely different. He told me my loan is automatically reviewed in XXXX. He could not tell me when in XXXX it would be done. If I had been told it would be automatically done in XXXX from the beginning then this would not be an issue. I have wasted hours across more than a dozen calls about this issue and I am still being over charged by more than {$200.00} per month for my escrow. I have no faith that my escrows will actually be updated at any point.
Consumer complaint received 2022-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-06-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 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 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-06-06
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. (CA)

This account is under litigation the balance is incorrect I need it closed and removed from my credit report immediately. In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED IMMEDIATELY. 






XXXX XXXX ( XXXX ) XX/XX/2022 2022
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (FL)

I have attempted to contact all three major credit bureaus, including XXXX, XXXX, and Equifax, in order to address errors on my credit report and improve my credit score. Despite these efforts, I have not received a satisfactory response from the bureaus within the required 30-day timeframe, and this failure to respond has had a negative impact on my credit and financial situation. As a frustrated consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure that my rights are protected and that the credit bureaus are held accountable for their lack of response.
Consumer complaint received 2023-02-21
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. (WI)

I've called all three  bureaus on XX/XX/2003 to dispute the inquiries that are reporting on my credit report, and to no avail my requests have been ignored. I've mailed letters certified mail, XX/XX/XXXX to Transunion ( tracking # XXXX ) XXXX ( Tacking # XXXX ) XXXX ( Tracking # XXXX )
Consumer complaint received 2023-12-27
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. (VA)

In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( 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 ( 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} ;
Consumer complaint received 2022-06-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC (TX)

Due to having identity theft, I'm requesting that all interactions and correspondence be done through postal mail and not through phone calls and email. My identity and finances have been compromised and I can not have any communication through phone calls or email. I have police reports showing that I have been compromised in my bank account and in my credit.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I Sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Also, Ive sent in numerous letters to have the bureaus fix this error, which they have failed to do. On. 

( List the accounts Accounts ) Type of Account : Collections Collection Account : XXXX Account Number : XXXX Type of Account : Collections Collection Account : XXXX XXXX XXXX XXXX Account Number : XXXX