davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from a total of ( 1 ) XXXX XXXX  Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, except XXXX but also shows a past due balance of [ XXXX {$150.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX and on XX/XX/XXXX I submitted two separate applications for a credit card because an affiliate said I had good to excellent chances for being approved ( XXXX XXXX, XXXX  XXXX XXXX XXXX ). I have not missed any payment since XXXX and I have also resolved 2 accounts that were sent to collections in XXXX. My XXXX  report shows that the XXXX  account that was settled in XXXX and was transferred to XXXX. XXXX   shows that had been satisfied and closed ; However, my XXXX  report shows the account in delinquency and does not show the servicing transfer to XXXX  where I paid the account in full. The credit analyst did not even bother to see the discrepancies on my report. 

Additionally, AMEX stated the reason for denial was : 1 ) Too many credit card accounts on which, in our estimation, you have not paid a majority of the balance in recent months. ( XXXX  ) This is completely a lie, if you look at my XXXX  Report it shows that not a single student loan or active credit card has been payment late. I have been making my payments on time since XXXX.

2 ) The maximum utilization on your credit card account ( s ) is too high ( XXXX  ).

Too high? I pay off my credit card bills every month on their due date. Are you serious? Currently, I am using 20 % of my utilization XXXX $ XXXX out of & XXXX ) XXXX ) You have a serious delinquency on one or more of your accounts. 

I have a 100 % payment history since XXXX. Are you serious? I dont have a single account in delinquency.

4 ) The ratio of revolving account balances to their credit limits is too high.

My ratio is 20 % and is going down every month. What are you talking about?!? 

DO BETTER AND FIX THIS!
Consumer complaint received 2021-04-12
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: Resurgent Capital Services L.P. (NY)

I settled this account with LVNV Funding, and they informed me that this account will be deleted from my credit. 
However, that hasnt taken place and the account is still reporting on XXXX. 
Please honor your end of the agreement and delete the account from my credit.
Consumer complaint received 2022-08-01
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX have violated my rights. 15USC 1681 section 602 8 states I have the right to privacy, 15USC 1686 section 604a, section 2i also states a consumer reporting agency can not furnish my account without my permission.
Consumer complaint received 2022-10-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO Bank, N.A. (IN)

I am reaching out in regards of the complaint that I have. I was in the a processing of purchasing a home through BMO Harris Bank. XXXX XXXX who was my lender would approve my application and I give her everything she asked for then she would turn around and decline my FHA application. XXXX done this to me three times. It got to the point that I went inside the branch to file a complaint and requested to speak to her manager regarding this matter. The supervisor of XXXX XXXX got back with me until months later. So I applied again and XXXX approved my loan application again. At this point I was very close to closing and didnt want anything to happen. XXXX went from telling me I need XXXX, XXXX to XXXX at closing for my closing cost. I went back up to the branch at speak to XXXX and the branch manager at BMO Harris bank requesting for her supervisor to please take a look at my paperwork because it just wasnt sitting right with me. XXXX and the branch manager was really trying their hardest to help me with my mortgage loan. The manager finally got back to me in late XXXX of XXXX I was suppose to close on my home that XX/XX/XXXX. Two days before my closing date XXXX XXXX once again declined my loan application. I felt like I was being targeted by her because of my race. Her supervisor XXXX XXXX explained to me that my loan application was going to be declined regardless because she done my paperwork wrong. So at this point the guy that was selling the home no longer wanted to wait on BMO Harris and he felt like that BMO was also discriminating against me. Unfortunately someone purchased the home now. XXXX XXXX told me that she would have someone else help me with my loan but to look for another home. I didnt want another home, I wanted that home, the seller took his house off market for almost a year because he was determine to give me the home for myself and children. But he no longer wanted to deal with BMO Harris. I feel like all of this could have be avoided if XXXX would have stepped in when I requested for her to. When I reached out to XXXX to asked why my application was denied again she ignored me. I felt like this was all a game to them and I was taking as an joke. I even reached out to BMO Harris myself requesting to file an complaint and to speak to XXXX. No one from that bank ever followed back up with me regarding this issue. I was treated unfairly. I also work at a bank and I never done a client how BMO Harris done to me.
Consumer complaint received 2022-01-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I enrolled on auto pay several years ago and it had been working fine until recently when I had the need to switch financial institutions. On XX/XX/2021, I informed PHH Mortgage that the auto pay needed to be changed to a new financial institution. I informed them via online through their website and also by phone, speaking with an agent. For the next two months including the present, this mortgage company has failed to make the changes and have continued to submit the auto payments to my old financial institution which has declined to make the payments and returned them. Every time they return the payments, PHH mortgage re submits them and once again I get charged fees. I have spent countless hours on the phone with them trying in vain to rectify the situation. I get put on long holds and when someone live talks to me, it is very hard to communicate due to the agent 's limited english language skills. Their website is inefficient and has likely not been updated, not allowing the consumer to conduct any business in it. I have spoken with several " agents '' who have promised me to take care of the issue but the problems still persist. My old financial institution has not been of much assistance either and has only reversed some of the fees but not all.
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/21 I received notice from Synchrony bank that my account was now closed, the only information provided was " Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. '' I have had the account for years and have never been late on a payment so I do not know the reason for closure. As a result of the account closure I have lost XXXX in rewards that were available prior to the account being closed. After numerous contacts with the company they state rewards are forfeited when an account is closed. That seems fair if I were to close the account, but I was given no notice the account was being closed and therefore no opportunity to withdraw the rewards. It seems to me Synchrony can just close any account without notice to take rewards the were properly earned
Consumer complaint received 2021-05-31
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. (MD)

In an effort fix my credit and to remove negative items from my credit report, I began to address the underlying issues on what was owed on all of the accounts on my credit report. 
XXXX XXXX XXXX XXXX had a balance of {$210.00} as XX/XX/XXXX. I began to dispute this amount with Experian credit services, and provided them the necessary documentation from the company that was seeking to recover the {$210.00} debt. XXXX XXXX XXXX XXXX 's XXXX group, was the law firm handling the account. I contacted them, and I made arrangements to pay them the {$210.00} plus the interest which amounted to {$210.00} on XX/XX/XXXX. I submitted this letter to Experian so that they can update the account, and remove it at my request. 
On XX/XX/XXXX, after having filed a dispute several times, Experian told me that the account still remains and that the balance is still owed of {$210.00}. All Experian continues to do is update the account and tell me that the balance of {$210.00} is still owed. I can't imagine why they would tell me this even when I had submitted documentation to dispute their investigative efforts. 
Their case number regarding this is # XXXX. Can someone from this office contact Experian, and raise these questions about why they will not update the account and remove this as paid in full from my credit report. If Experian, XXXX, and XXXX  are there to report negative information on consumers who have faulted for some reason or another on a debt that they owed, and the consumer rectifies that problem and pays it off in full, and has documentation stating that it has been done so, why are these credit bureau 's not updating properly the information that is given to them so people can move on with their life? I am going to submit the letter from XXXX, XXXX and XXXX to further solidify my position in this matter. 
Thank you
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ERC (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2022-07-29
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

this complain is related to the previous one no. XXXX, please be informed that the fraud is continuing on my account even after I raised the last claim No. 
XXXX, please be informed that all my attempts to save my money by moving it to XXXX was Unsuccessful. I Made many international transfers to XXXX, XXXX and XXXX with no success, please be informed that all these accounts are in the same bank in XXXX named XXXX XXXX, the bank refunds the money again after I making call with claim department on XXXX, XXXX and XXXX XX/XX/2023 and my claim as I mentioned No XXXX, money refunded to my account and because I need to save money before another fraud I decided to transfer it in the same day XXXX XXXX but I made also another transaction XXXX $ from my Master to my checking account to transfer it one time immediately, unfortunately the bank locked my online banking and now I can not open it, in the same day XXXX XXXX I called the bank and they can not verify me however I gave them all the required information and their reply was that they will send me registered mail to my address in XXXX ( which happen before and I did not receive ) my request is to do urgent investigation to open my online bank again and control my account.
Consumer complaint received 2021-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have filed disputes with TRANSUNION about this information and I am uploading additional information to my previous complaint to have this account removed from my credit report immediately. I have contacted the FTC and am now sending this information to TRANSUNION. 
On XX/XX/21 I received an alert that a company called " XXXX XXXX XXXX '' had stated that I opened an account with them on XX/XX/21, had a balance of {$670.00} and placed this information on my report. After filing my dispute, this company then CHANGED the information stating I had made a payment of {$50.00}, ( COMPLETELY FALSE ) to them and Then CHANGED and updated information on my credit report with another credit bureau XXXX XXXX XXXX. 
THIS IS COMPLETELY FALSE! I Have never dealt with this company, or ever had an account with them and This account if fraudulently on My credit report. 
I am requesting that TRANSUNION remove this information immediately.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

5/3 Bank has reported my mortgage account 30-days past due when it was not. The account was due on XX/XX/21. Payment was made on XX/XX/21 and posted on XX/XX/21. While payment was late, it was never 30-days late. 

I have attached a statement which shows the date of payment of the mortgage as well as a screenshot of the payment history on my account at 5/3 Bank. You can see on the bottom of the statement where it shows payment due on XX/XX/XXXX and payment cleared on XX/XX/XXXX ( depending on how you count it is 28 or 29 days late ).
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Privacy and confidentiality under 15 U.S.C. 1681 XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX ( ALL THREE HAVE INCOMPLETE ACCOUNT NUMBERS ) .....

15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 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 conviction of crimes which ante date the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inacc urate.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (NC)

I recently viewed my XXXX XXXX consumer report and noticed a fraudulent account reporting in collections from company name SPRING OAKS CAPITAL. I immediately called XXXX XXXX to dispute the account and to obtain the account number since it was not present on the report. The Fair Credit Reporting Act, 15 USC 1681e reads - Compliance Procedures ( b ) Accuracy Of Reportreads, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. MAXIMUM POSSIBLE ACCURACY MAXIMUM IS 100 %. This account isn't accurate at all. I haven't been able to sleep great at night since seeing this account on my consumer report knowing it's not mine. I feel like I'm being taken advantage of and its stressing me out because I'm getting denied credit due to this account. I'm unable to live my best life because of this account. Furthermore when I called XXXX XXXX, a male rep stated to me that he could not provide me with the account number to this collection account and that I can call the collection company to get the account number myself. I felt like that was very rude so I said no problem, I called SPRING OAKS CAPITAL and spoke with a female rep. The rep stated " this is an attempt to collect a debt, and any information obtained will be used for that purpose. '' I told her I dispute the debt and that its fraudulent. The rep said great, ok, and she's glad I called to let them know about the account as well as they will investigate. First and foremost why do I need to let SPRING OAKS CAPITAL know about an account that they claim to know so much about that they reported the account to XXXX XXXX as a collection. SPRING OAKS CAPITAL nor any of its agents/officers/directors haven't spoken to me, nor received written communication from me until they reported a fraudulent account on my consumer report. I also asked the rep for the account number and the rep stated its # XXXX. How are they conducting an investigation, with whom are they conducting an investigation with, and for what when this SPRING OAKS CAPITAL account do NOT belong to me? It's clear this company is in violation of the FDCPA and FCRA. I do NOT and nor have I ever had a contract or an agreement with SPRING OAKS CAPITAL. This account is fraudulent and need to be removed from my consumer report immediately.
Consumer complaint received 2022-08-01
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)

According to 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. XXXX XXXX XXXX Account # : XXXX. As well violating 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate..