davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

Hello, its been Two weeks since Ive been able to access my account, they said in the beginning it will take a week to withhold my funds because they wanted me to send my ID in. So I did, at that time, they told me to call back on a Monday ( it was Friday ), so I did. They said call back next week. So then I asked about the funds in my account, they couldnt tell me. I hope this gets resolved quickly. USAA is a bad company. They told me to keep calling everyday and nobody is helpful.
Consumer complaint received 2022-09-28
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. (MS)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 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 2022-12-05
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: Tower Loan of Mississippi, Inc. (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602States I have the right to privacy.

15 USC 1681 Section 604 A Section @ : It also States a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (WI)

BMO Harris Bank is reporting incorrect late fees/ missing payments to my consumer credit report claiming Im a month behind for XX/XX/XXXX, XX/XX/XXXX XXXX XXXX. 
I spoke to a supervisor and that supervisor told me was an error in their system. 
Same situation happens for several months in XXXX went I actually asked for an extension under Cares act during XXXX pandemic And they reported a late payment on XXXX XXXX when I notified it to them I was in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I try to work with BMO Harris but the Dispute Department told me that they dont care and the late fees will show on my credit for 7 years. 
I spend 3 hours trying to connect with someone on the phone, costumer service personal was aggressive and extremely unprofessional, this is hurting my creditworthiness, and affecting me and my kids.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: California Business Bureau, Inc. (CA)

On XX/XX/XXXX I noticed on my Credit Report 2 collections from a Debt Collection Company California Business BU billing me for two medical accounts I have absolutely no knowledge of. Account # XXXX claiming I owe a debt of XXXX and Account # XXXX claiming I owe a debt of XXXX. Both of these accounts by the company California Business BU are being reported on XXXX. I quickly disputed both of these claims. I use a company called XXXX XXXX a credit monitoring service since I've had a problem with my personal info having been used in the past. They notified me that there had been a change in my report and the change had been that California Business Bu on the XXXX of XXXX had removed Account # XXXX in the amount of XXXX and immediately thereafter had made a new collection account and placed it in my report Account # XXXX in the amount of XXXX. When comparing the two collection accounts being reported by this business you will notice that both accounts are the same account number # XXXX only one is now for XXXX with the dates of : Date Last Active XX/XX/XXXX Date Opened XX/XX/XXXX Date Last Reported XX/XX/XXXX and the other account is # XXXX claiming XXXX with the dates of Date Last Active XX/XX/XXXX Date Opened XX/XX/XXXX Date Last Reported XX/XX/XXXX As you can see this is a violation of The Fair Credit Reporting Act, Fair Credit Billing Act, and Fair Debt Collection Practices Act. Violating my Right to Information which requires producers to provide accurate and truthful information when advertising. Under the Fair Debt Collection Practices Act, a debt collector is forbidden to claim False Statements, and use Unfair and Deceptive Practices. Both of these accounts need to be removed from my credit report and whoever is furnishing information to the National Bureaus is clearly taking advantage of the privilege to be able to do so in a negligent and careless manner.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 XXXX, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX days! These fraudulent accounts are not only damaging my credit but also causing me significant XXXX XXXX XXXX I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ).

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 Bureaus, 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 Bureaus, 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, XXXX, and Transunion data breach.
Consumer complaint received 2023-01-10
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. (IL)

In accordance with the Fair Credit Reporting Act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency is the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete these accounts
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There are several account billing errors with XXXX XXXX XXXX in accordance with the fair credit reporting act this Company has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. I know that an account a written list of transactions, noting the money owed ( top part of the statement ) and money paid ( bottom part of the statement/dividend check ) : a detailed statement of mutual demands arising out of a contract or a fiduciary relationship. An account can simply list payments, losses, sales, debits, credit, and other money actions, or it may go further and show a balance or the results of comparing site transactions, like purchases and sales coupon is a definitive bearing interest instrument associated with a U.S. Treasury bearer security. 31 CFR 358.1 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 USC CHAPTER 41, SUBCHAPTER III ( e ) 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. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term " consumer reporting agency '' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term " file '', when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
Consumer complaint received 2023-04-13
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)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT ED/XXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT XXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-30
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (PA)

There was money stolen off my account on XX/XX/2022. Whoever tried to take the money attempted to take over XXXXXXXX XXXX more than what was in my account but, they ended up taking XXXXXXXX XXXX from me. My card was never stolen or used by any other person so, I contacted Current the same day that this happened on XX/XX/XXXX and I was told to try to get in contact with the merchant but there was no way to contact the company that the money had went to. After realizing this, I contacted Current again and they told me I could file a dispute when the charges settled so I did. I filed a dispute on XX/XX/XXXX and received an email saying that they would give me updates about the dispute as they did the investigation. I never received any updates about the dispute and on XX/XX/XXXX I received an email saying that the dispute was complete and there was no error so I could not get the money back that was taken from me. After seeing this, I sent an email to the dispute team at current asking for the full investigation report. I was told I would be contacted within 24-48 hours after sending them an email asking for the report and I was never contacted within that time frame. I contacted Current again asking for the full investigation report after I received no response in 48 hours and I was told the same thing that I would be contacted within 24-48 hours. ( Every time I talked to them was over text chat so I was never able to talk to them on the phone because they said there line was not working at the moment ) I still received no response within 48 hours so I contacted them again asking for the full investigation report and I was again, told I would receive a response within 48 hours which again, I never got. So after I got in contact the 3rd time with Current over a text chat asking for the full investigation report, I was told that the least information they can give me for the investigation is what they sent in the first email saying that there was no error even though I received an email saying I can get the full investigation report. After showing Current this email while chatting with them, they said I would be contacted again within 48 hours. They finally contacted me XX/XX/XXXX saying that because there was funds that came into my account the day before, they believe I anticipated the transaction and that there was no 3rd party access but, I was not told how they know there was no 3rd party access and they claim to do thorough investigations and that the decision is final. I never made the transactions though and I never talked to anyone on the phone throughout this whole process and was never updated about the details of my dispute. It seems they based their investigations from the money that came into my account the day before, and they do not perform thorough investigations or want to help their customers.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (NH)

This is the second complaint about Ally Bank making unauthorized withdrawals on my account. They answered the 1st complaint a week ago and stated they had stopped the unauthorized withdrawals. But, Ally has now made another unauthorized withdrawal. See prior complaint # XXXX, SUBMITTED ON XX/XX/2023.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

transunion and XXXX  are illegally reporting bankruptcy to my credit report. i have never lived at the address listed on the bankruptcy and the date listed on my credit report are wrong and should be deleted.After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts. 
The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission and Consumer Financial Protection Bureau. 
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 
Thank you, XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

XX/XX/XXXX Letters were sent out to clear the inaccurate and unfair credit reporting methods that were being used which the consumer agency just replied back with being verified. This result is very unequitable and is affecting my reputation in a negative way because it clearly states in XXXX XXXX XXXX ( c ) that if a consumer notifes a debt collector that a consumer refuses to pay a debt that the debt collector must cease all communication. it reporting to my consumer report is a form of communication and that is CLEARLY A VIOLATION.
Consumer complaint received 2022-09-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

My home mortgage was transferred to PHH lending after closing. Shortly after purchasing our home, we had major flooding that caused us to file insurance claims through XXXX. XXXX administered two checks that required endorsement by PHH. These checks were issued for two separate coverages. One was sent to our HVAC company and the other was written directly to XXXX  preferred general contractors. We thoroughly followed all protocols when trying to get these checks endorsed and sent directly to the companies. It is important to note that the checks were made out to the companies for the repairs but needed PHH and myself to endorse. PHH continues to hold the general contracting check refusing to release the funds. We have provided thorough documentation and estimates that they have requested showing that the work has been approved by XXXX and itemized. We have been living out of her home for two months and this is delaying the process. Whenever we contact customer service, our questions are deflected and we never find resolution. When we ask questions about the legal process and contacting the proper channels, we are placed on hold and hung up on. Ive never experienced this level of incompetency by a mortgage company.