davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (NV)

Today ( XX/XX/2020 ) I used Bank of the West 's ( XXXX XXXX subsidiary ) website and used thier online functionality to make a loan payment. This web page has an " upcoming payments and transfers '' section, so I checked that section after scheduling the payment. It did not appear. So I figured I missed a button, and I re-did the payment. Again, it did not appear in the " upcoming payments and transfers '' after completing the process. Then I get two rapid-fire emails on my XXXX account, both in the same minute and both with the exact same text and payment details. Neither had any unique confirmation number so there was no way to tell whether I just got the email twice or if I had completed two payments. So then I called customer service and the first representative stated I'd have to wait until the payments posted to cancel one of them. Then he transferred me to someone else who stated he couldn't see my payments and then he tried to transfer me to another representative, only to disconnect the call. I called back again, the first representative explained that when you use a non-Bank of the West account to pay, the upcoming payments and history pages on the website will not show those payments. Then I was transferred to another department because I insisted that payments work in files that are processed overnight and they must provide a way for me to cancel the extra payment done in error before it processes and comes out of my bank account. The final outcome was that there was no way that they could cancel this extra payment so I have to wait and ask for a refund - or try to stop payment with my bank which is unlikely since I have no transaction code information ; I can't afford for them to take this extra money out of my checking account. Bank of the West needs to have the same functionality that every other bank, credit card company, and frankly even the garbage company has - the ability to schedule and cancel scheduled payments prior to thier processing. And to get a decent confirmation of a payment that has a confirmation code that is unique for every payment. Thier process is confusing and unreliable and confusing. The last agent told me they had updated thier payment website in XX/XX/2020 to no longer use an external biller process to take the payments ; this update to use thier own internal process and website has these gaps in functionality that make it impossible to verify and cancel payments on thier website, or even see the history of payments you've completed on thier site.
Consumer complaint received 2020-05-15
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. (FL)

I have express mailed my dispute letter, FTC report, and police report to XXXX  at XXXX XXXX  XXXX XXXX, TX XXXX since XX/XX/XXXX regarding a fraudulent account XXXX XXXX XXXX # XXXX reporting date opened XX/XX/XXXX balance {$10000.00}. I have called XXXX  and opened a dispute with a representative on XX/XX/XXXX after mailing my documents. After calling to check to status of my dispute with XXXX  each time I call XXXX  representative keep reopening new dispute which is prolonging my results on my original disputes. I am requesting a complaint to be forward over to XXXX  fraud department supervisor or higher to combine my disputes with XXXX XXXX and complete my results with my original mailed in dispute data as of XX/XX/XXXX FTC report. I have also twice uploaded supporting documentation with Report Number : XXXX Date Generated : XX/XX/XXXX. Please I have called everyday once a day to get help with this fraudulent account XXXX XXXX.
Consumer complaint received 2022-05-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (OH)

In XX/XX/2021 I did the COVID forbearance. I was told to call back and let them know when I can resume making payments. I contacted the mortgage company in XXXX 2021letting the mortgage company know i can resume my payments XXXX 2021. I let them know that I want to do a partial claim to handle the missed payments. Ive been making payments since XX/XX/2021 but the mortgage company liss mitigation still hasn't file for the partial claim. I've been calling the loss mitigation department since XX/XX/2021 to get this resolved and request call backs from management and I have not received any call, no email or mail communication. I found out last week that I'm in pre-foreclosure, I don't see how when my request for partial claim hasn't been made nor has it been denials. I can not get in touch with Noone to get this resolved with Crosscountry mortgage.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

Ally Financial has incorrectly reported information on to my Credit report On my XXXX XXXX Credit report, Ally Financial has reported that I had 1 late payment in XX/XX/2019 and everything else was on time. 

However, on my XXXX  and XXXX  report, Ally Financial reported that I have 2 late payments in XX/XX/2019 & XX/XX/2019. The Kicker is that they reported that I had an on-time payment in XX/XX/2019. 

It is very confusing and I am not sure what Ally Financial is trying to do to me but all of this does not make any sense.
Consumer complaint received 2021-05-01
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. (NV)

XXXX XXXX  had a covid extension/payment assistance that was to help people affected by the pandemic, well atleast what was advertised not what was done. After, speaking with a rep about my impact from the pandemic I was told by both the Rep from XXXX XXXX and well as it was listed on their site/mobile app that due to the pandemic more payment options were provided with extensions and option for flexible payments throughout. As I made payment to best my ability through the pandemic I was still being dock for late payments fees AND late payments on my credit reports. Iam astound how XXXX XXXX XXXXl has handled this. Ive called multiple times for the past 2-3 months and each time the reps give you the run around tells you it takes 45 days for a response. They continue to change the dates transfer you over to a supervisor who dates are different from the previous .they cont. to give a run around and not acknowledge of your concerns. These lates need to be removed
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: MoneyLion Inc. (TX)

On XX/XX/2020, I had gone to a local auto garage to get a " pre-purchase '' inspection on a vehicle I had recently purchased. I looked online and the items that it stated were completed during the inspection were all the things in which I needed to continue a DTPA claim that I had against the individual that originally sold me the car. It stated on the website that it would take around 2 hours to complete. I was notified in 15 min after leaving the car that the inspection was done. None of the outer damage was on the report until I pointed it out and the car hadn't even been lifted. 

So, when I got home, I filed a claim on the transaction that was run as credit on the basis of service/merchandise was not received. I also sent an email to the mechanic 's customer complaints stating my experience and expressing my frustrations. The manager of the location that I went to emailed me back apologizing for my experience. He also confirmed that the inspection wasn't done properly. 

I have sent this email to Moneylion claims dept at least 3 times. I have been denied twice stating that Reg Z doesn't cover if I didn't receive the service/merchandise. However, I didn't do the transaction as a debit, it was done as a signature credit transaction. So if I understand correctly it has to be disputed by Visa process and falls under a different Regulation. When I pointed this out to the claims rep and ask to speak to a supervisor, I was told I would be contacted the next day. That was on XX/XX/XXXX. I have reached out many times through email and the chat line and have yet to receive an answer on the claim. The transaction amount was for {$130.00} to a City Garage.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX I was notified my info was in a XXXX data breach and to check my reports for fraudulant or or inaccuracies on my report. 

I reached out to all 3 credit bureaus and some inquireis were removed but many still remained.

Under FRCA 1681 USC 15 everything must accurate and verifiable. I never gave consent to these companies to pull my credit but, yet Transuinion, EXPERIAN and XXXX has refused to remove these unauthorized inquirieis. 

XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never given consent nor have any knowledge of ever giving my authorization for these inquiries on my credit report. 

I want these inquiries removedd immeiately or pay me {$1000.00} per unauthorized inquiy and in accurate info. 
I have enclosed my FTC ID THEFT AFFIDAVIT to prove I did report these errorss back in XX/XX/XXXX and present the inquiries are still there have violated my rights by not removing them.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NV)

Since Covid19 CARES at placed all student loans on hold until XX/XX/2020 my loan company FEDLOANSERVICING placed remarks on all of my loans on my credit. My score dropped 60 points due to this. There is comments of remark removed but that does not clear the report that they reported me and late and does nothing to fix the 60 points my score dropped. I have contacted them by email and phone with no answers. This is disgusting and they have never acknowledged this or even told me that this was happening to my credit. Not an I'm sorry or we are working on fixing this. Who is going to fix my credit score? There is no option to dispute what they wrote on my credit. 
Im XXXX. I have worked so hard to repair my credit and get it to good standing and fedloan destroys me and my score and is hush hush. Fix my credit score and completely REMOVE the notes from my credit scores!
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

This is not a duplicate PRA failed to let me exercise my federally protected rights. I sent a Notice to Cease Communication directly and indirectly and told them I am not paying them for the alleged debt as stated in 15 USC 1692c however failed to cease communication from my consumer report and still infringing upon my rights to privacy I never gave this company my consent to use my personal information and they are attempting to collect an amount of XXXX dollars that they say are owed to XXXX XXXX which is ( fraud ) material misrepresentation as I never did business with PRA. 
Check attachment as this is my last chance trying to rectify this issue when I never gave you consent to use my personal information meaning you are committing aggravated identify theft and fraud and will be reported to the FTC and legal matter will be held against you as you are willfully and knowingly using my consumer report with Extortionate means violating 18 USC 894. It is not my duty to teach your employees the law however I will hold you in noncompliance
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX I was notified my info was in a XXXX data breach and to check my reports for fraudulant or or inaccuracies on my report. 

I reached out to all 3 credit bureaus and some inquireis were removed but many still remained.

Under FRCA 1681 USC 15 everything must accurate and verifiable. I never gave consent to these companies to pull my credit but, yet Transuinion, XXXX and XXXX has refused to remove these unauthorized inquirieis. 

XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX I have never given consent nor have any knowledge of ever giving my authorization for these inquiries on my credit report. 

I want these inquiries removedd immeiately or pay me {$1000.00} per unauthorized inquiy and in accurate info. 
I have enclosed my FTC ID THEFT AFFIDAVIT to prove I did report these errorss back in XX/XX/XXXX and present the inquiries are still there have violated my rights by not removing them.
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (AL)

On or around XX/XX/2022 I requested all payments made during the COVID payment pause be refunded to me, through the online portal. It is currently XX/XX/2022. I called Aidvantage for an update on the status of my account, and the customer service representatives have horrible call quality and communication about my account was impossible.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

Inquiry from XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - XX/XX/XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I believe these inquiries were made without my permission or are inaccurate. I have not applied for credit with these institutions or authorized anyone to do so on my behalf during the mentioned dates. As a result, I kindly request that these inquiries be investigated and removed from my credit report.
Consumer complaint received 2022-12-07
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. (PA)

I created a dispute under the FCRA 15 US Code 1681 B that reporting agency did not have my written consent to publish such information and with no consent per 15 US Code 1681 C1 that is identity theft.
Consumer complaint received 2020-09-08
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. (NJ)

We completed a loan modification with XXXX XXXX quite a while ago, however they continue to report our mortgage as a mortgage in foreclosure. That information is not correct, as this is now a mortgage in good standing. We have asked them to correct this listing multiple times, but they refuse to do so.
Consumer complaint received 2022-12-07
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: Harris & Harris, Ltd. (IL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has Violated my rights. 


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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-18
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. (TX)

I disputed accounts reported by credit bureaus under my Social Security number they were deleted however they have been reinserted on my report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), credit bureaus are required to notify me of the reinsertion in writing within 5 business days, ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-21
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: Experian Information Solutions Inc. (GA)

I submitted a dispute letter to Experian asking them to verify a debt that is showing up on my credit report. In my dispute letter, I explained and provided documentation showing that the balance for XXXX XXXX is not correct. I settled with this creditor for a lesser amount but they are stilling reporting the original balance. Experian did not do a through investigation to verify the corrected amount owed on this debt. I have proof were XXXX XXXX agreed to settle the debt for a lesser amount and I have been making payments. It is being reported that XXXX, XXXX is the original creditor, that is also incorrect. XXXX was the original creditor, who sold my loan to XXXX XXXX. XXXX XXXX is reporting that 0 % has been paid, that is also not true.
Consumer complaint received 2022-10-21
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. (RI)

Hard inquiries need to be removed from my account. Please remove inquires on my account and reflect no inquiry on my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (FL)

I have been scammed by a person who said they were the owner of the property that I was going to be renting as my primary residence. They used the owners identity and information to scam me out of deposit and 1st month rent total of {$3200.00}. They said I needed to send money to secure home. I sent money via BMO Harris bank XXXX app through my account. I went to meet said person for the keys on moving day to find out I had been scammed and the money I send to the finance manager was a fraud. I filed police report and filed dispute claim with BMO harris like I was told. The bank did not even wait to receive my written claim with all my evidence along with the police report number since I pressed charges. They denied my claim saying they dont deal with authorized push payments even though I had clearly been scammed and the money I thought was going to the real owner was to a fraud. 
The dates I was instructed by fake XXXX XXXX to sent money were as follows to XXXX XXXX ( financial manger ) XX/XX/22 {$100.00} application fee {$1500.00} deposit fee XX/XX/22 to move in early XX/XX/22 due to work schedule I was told to pay {$1300.00} 1st month rent {$150.00} dog fee The fake XXXX XXXX was in contact with me the whole time and said the previous tenants couldn't get out by the XXXX but I could meet him at XXXX on XX/XX/22 to get keys. We were in contact until that morning when I went to move in and found out it was a scam. I filed police report with XXXX XXXX that morning number : XXXX. I called bank right after and filed claim. I had did a been verified check on XXXX XXXX before I filled out application on XX/XX/22 to make sure I was in contact with the real owner. Unfortunately that was not enough to prevent this fraud from happening. I used my savings to secure this property and now have no means to secure a another place to rent.
Consumer complaint received 2023-09-24
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. (LA)

I, XXXX XXXX XXXX XXXX have been a victim of identity theft and impacted by the Louisiana and XXXX data breaches. As a result, as a Louisiana resident, my personal information was exposed in the breaches that made global news. I'm a victim of identity theft, and the accounts and inquiries listed result from identity theft. 

Accounts & inquiries that are not mine and a result of identity theft are below. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX