davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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. XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, OH, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX A XXXX
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

The reporting agency list an acct # XXXX on my credit report. this account is past the XXXX  years to be reported, which is a violation of the Fair Credit Reporting Act. 

the last payment of this account was XX/XX/2015 This account should be deleted from my credit report.
Consumer complaint received 2024-10-13
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. (MA)

Actually I have 2 problems with Experian. First I have been calling Experian since XX/XX/XXXX because lenders can not see my credit report, me neither. In XXXX I disputed addresses showing inaccurate in my credit report, after that I wasn't able to get my credit report from any of the providers, no XXXX no Experian app, no XXXX. Anytime I called Experian they says the problem is already fixed and wait from 24 to 72 hours, but today have passed this period like 12 times and I still no able to see my report. 
Also when I log in today in my Experian web and trying to dispute to see if there is addresses or no i realize there was not any address and many unauthorized inquiries, such like : 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 
I need to get this problem fixed immediately please, they are hurting my ability to obtain credit.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (MD)

M & T Bank misidentified a charge as fraudulent activity and froze my account. When attempting to resolve the issue, customer service could not help me, and referred me to the fraud department, which is not answering phones. I have been trying to resolve this for over XXXX hours and most recently have been on hold for XXXX minutes ( and still waiting ).
Consumer complaint received 2023-11-21
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. (FL)

I am writing to inform you about an ongoing identity theft incident that has persisted despite my efforts to rectify the situation. For the past few months, I have sent multiple letters to the XXXX credit bureausExperian, XXXX, and XXXX success. 

As of XX/XX/2020, my credit report continues to display inaccurate information stemming from identity theft. My Social Security number and driver 's license information were illegally used to open multiple unauthorized accounts in my name. Additionally, my bank ATM/Debit card was cloned or stolen, resulting in unauthorized transactions on multiple occasions. 

In response to these malicious activities, I undertook the following actions : Changing Cell Phone Number : Recognizing the severity of the identity theft, I was compelled to change my cell phone number to mitigate the risk of further unauthorized access to my personal information. 
Closing Bank Accounts : Due to the compromise of my bank ATM/Debit card, I promptly closed all my bank accounts to prevent any additional unauthorized transactions. 
Notification to IRS : I informed the Internal Revenue Service ( IRS ) about the identity theft, providing them with the necessary information to secure my tax-related documents and accounts. 
Notification to Credit Bureaus : Despite multiple letters to the credit bureaus, the inaccurate information persists on my credit report. I officially notified all credit bureaus, including XXXX, about the unauthorized accounts opened under my name. 
Notification to Authorities : I reported the identity theft to the respective authorities, filing a police case/report to document the incident. 
Request for Investigation Under Electronic Fund Transfer Act : In accordance with the Electronic Fund Transfer Act and Regulation E ( 15 U.S.C. 1693 et seq., 12 C.F.R. 205 ), I am officially notifying you of the lost or stolen ATM/Debit card and the unauthorized transactions. I request a thorough investigation, including but not limited to providing a list of unauthorized transactions. 
Submission of Identity Theft Report : Attached to this letter, you will find a copy of my Identity Theft Report, which includes the FTC Identity Theft Report, IRS Notice CP01, and the police case/report for your reference. 
Request for Removal of Inaccurate Information : I request the immediate removal of the inaccurate information resulting from the identity theft from my credit report. 
Written Confirmation : XXXX : Your claim form has been submitted successfully Your claim number is : XXXX Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-12-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (MN)

On XX/XX/XXXX my mortgage payment to XXXX XXXX XXXX from my savings account at BMO Harris was returned to my account. I had to then call again the following month for the same issue in this payment has gone missing and not applied towards my mortgage payment. I called again a third month in a row to get the same problem fixed this time was supervisors from both banks on a three-way call and no one could explain why my payments keep getting reversed and not credited towards my mortgage account. This is the third month in a row. I have even set up a new payment method with still no answers and my XXXX mortgage payment is still missing.
Consumer complaint received 2022-07-15
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. (VA)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2020 XXXX XXXX IN Date of Inquiry XX/XX/2020 EMS/VETERANS UNITED HO Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 VETERANS UNI Date of Inquiry XX/XX/2020 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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 immediately.
Consumer complaint received 2022-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NY)

I XXXX XXXX partake in a consumer credit transaction on XX/XX/22 and XXXX/XXXX/202. The first response was that the information was verified, but no method of verification was provided. So I made a second attempt and got no response at all which are violations of my consumer rights. Violations are but not limited, 15 u.s.c 1692 ( g ) validation of debt, 15 u.s.c 1692 ( a ), 15 u.s.c 1692 ( e ). Letters were sent out to XXXX, XXXX, XXXX,
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: OPORTUN FINANCIAL CORPORATION (TX)

Back around XX/XX/2021 - XX/XX/2021 Oportun opened an account / Credit card fraudulently. I did not authorize this account to be opened, and I did not receive any credit cards from this company. I advised the company several times now, I did not open this account and I did not authorize this account. I did not authorize any applications. I did not sign any applications, I did not receive a card, and I have not received any monetary transactions from said account 's. Every month Oportun continues to report this card on my credit file. Oportun admitted to opening the account without clearing my extended fraud victim statement on my credit file. I do not own the phone number XXXX. Which they stated was used to open the account. The phone number has been shut down due to identity theft. I have not made payment 's on this account. I have not received a single card for this account, and Oportun can not provide proof I signed any applications for the account. I did not sign anything, and I do not owe a debt that was opened from a thief / identity fraudster. Oportun was provided with an FTC Identity Theft Affidavit they chose to ignore. This account is not authorized, and I do not owe the debt on this account. Oportun has no proof tying me to this account, and Oportun never contacted me about this account. According to my credit file this was opened on XX/XX/2021 by a fraudster. Oportun did not verify the account, and did not send me a card.
Consumer complaint received 2022-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NC)

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. This collection found within my credit report are not related to any transaction that I made alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money, and successful in creating some accounts. All is being investigated by the FTC.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.
Consumer complaint received 2024-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (IN)

On XX/XX/XXXX I sent a wire transfer to Citibank in XXXX XXXX  to be held in an escrow account for the purchase of a XXXX XXXX XXXX from a dealership called the XXXX XXXX. The money was not to be released until 10 days after the car was delivered. The car was not delivered and when my bank tried to reverse the wire transfer the money had been released.i feel the Citibank was involved in this fraudulent transaction.
Consumer complaint received 2022-06-24
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. (OK)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX - XXXX, and # 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 instruction
Consumer complaint received 2024-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA (MN)

On XX/XX/XXXX, an unauthorized transaction occurred on a FNB Omaha XXXX XXXX  XXXX credit card for {$55.00}, which I disputed with FNBO. Despite contacting FNBO multiple times, including on XX/XX/XXXX, to report the issue, they mishandled the case, failed to open a proper investigation, reported inaccurate late payment info on the credit bureaus, and violated the Fair Credit Reporting Act ( FCRA ) and exceeding the 30-day resolution requirement and not notifying credit bureaus of the dispute. On XX/XX/XXXX, I escalated the issue to the CFPB. On XX/XX/XXXX, FNBO admitted mishandling the dispute over the phone via XXXX XXXX XXXX ( their Fraud and disputes + investigations phone number provided by FNBO. ) As the CFPB response states : they granted a {$50.00} credit, but still left the remaining {$5.00} for the same unauthorized fraudulent transaction which resulted in multiple late payments reported. FNBO acknowledges and confirms that the address for the card with the fraud, is in fact NOT my address. They also stated it may take another 60 days to investigate from XXXX violating the FCRA XXXX I demand immediate removal of derogatory credit reporting and compliance with the law. They have identified that the address of the card is not my address. & have received a Notarized Affidavit, FTC Report, ID theft report, and written statement ; verifiable by certified mail. This {$55.00} charge is the only charge on the account. This has been ongoing for 15+ months and is damaging my credit and health & wellness . Please remove the late payments and negative remarks from the credit bureaus and data furnishers immediately ; and cease violating the FCRA, laws, and compliance. ( Previous. CFPB complaint number : XXXX ) ( FNBO Case Number : XXXX ) .... included attached is the previous CFPB report, and a copy of certified mail received by FNBO including an FTC report , ID theft report, Notarized Affidavit of truth ( legally sufficient replacement for police report ), ID verification, and relevant dispute information.
Consumer complaint received 2024-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (MS)

Recently, I looked at a copy of my credit report and noticed several incorrect accounts. These accounts adversely affect my credit report and cost me thousands of dollars in interest annually. I understand that you will investigate these items for me to ensure accuracy. It's displayed as written off, and please remove this from my account as I have not received a 1099c from this. 


Account number XXXX
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: ERC (VA)

In accordance with the Fair Credit reporting Act 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 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 any purpose.
Consumer complaint received 2024-12-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (WA)

Tried to pay off my lease based on buyout contract and amount specified. They rejected it and locked account so I couldn't try to make payment again. Had to speak to multiple agents and staff to get anywhere near an answer, which ultimately put us in a tough financial situation without much recourse other than to mail in payment without guarantee that it would process properly.
Consumer complaint received 2024-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (KY)

last month i request information from roundpoint mortgage. it has been a few weeks. i requested information on their website so i dont have a form submission date. ive been trying to call but their customer service shuts off when i call. i cant get an operator. i need to know why my mortgage went up so much. escrow was {$110.00} a month and now its over {$900.00} a month.
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

In trying to resolve my foreclosure with SPS, an appeal of my request for mortgage assistance denial was emailed to the relationship XXXX and to XXXX  the SPS XXXX XXXX  on XX/XX/22. A representative from XXXX emailed a reply directing me to call SPS  and speak to a relationship XXXX. On XX/XX/22 I called SPS  at XXXX am. XXXX answered the call but released it ( claiming no one was on the line ) and a second call was made at XXXX am. XXXX answered this call and we immediately asked for a supervisor. Rather than getting a supervisor she attempted to ascertain what was needed and proceeded to provide erroneous information. She put the call on hold numerous times saying that she was looking into the account. She determined that a reply to the appeal would be available on XX/XX/22 after XXXX days. When it was pointed out that XX/XX/22 is more than XXXX days from the appeal submission, she said it would be received by XX/XX/22. Each time she was asked for a supervisor, the call was put silent hold. XXXX checked the line after extended periods but never provided any additional information. Finally, after XXXX hours on the telephone there was no response from XXXX who abandoned the call. The written decision on my appeal was delivered by mail the same afternoon. XXXX not only provided incorrect information, but refused to escalate the call as requested. 
In the denial to the assistance review decision dated XX/XX/22, SPS wrote You indicated you have a lump sum to apply to your account. Contact SPS  to discuss if options are available. I responded with another appeal indicating the amount I can pay. No relationship XXXX explained why my proposed payment of {$50000.00} was insufficient or what amount would be satisfactory. The written response to my proposal said You also requested assistance and want to use funds for a down payment. Please contact SPS  to discuss if options are available. Although SPS  has this language in the communications, it isnt following through by making authorized personnel that are qualified accessible.
Consumer complaint received 2023-12-30
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: EQUIFAX, INC. (FL)

I am writing to file a formal complaint against Equifax, one of the major credit reporting agencies, for their failure to comply with their own policies, inadequate investigation, and lack of transparency in the processing of my credit report dispute. This complaint is based on the following issues : Equifax has not adhered to its own dispute processing policies, as outlined in its public guidelines. Despite my submission of comprehensive documentation and supporting evidence to rectify inaccuracies on my credit report, Equifax has failed to conduct a proper investigation and resolve the dispute in a timely manner. It appears that Equifax 's actions are in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant laws and regulations. The FCRA mandates that credit reporting agencies conduct reasonable investigations into consumer disputes. Equifax 's failure to do so raises concerns about their compliance with legal requirements. Equifax has not provided me with adequate information regarding the process and outcome of my dispute. Despite multiple requests, they have failed to furnish evidence or a detailed explanation of how they processed my dispute. This lack of transparency hinders my ability to understand the resolution process and assess the accuracy of my credit report. 
In light of Equifax 's failure to conduct a proper investigation and provide transparency, I request that the inaccurate information identified in my credit report be promptly deleted. This action is crucial to ensure the fair and accurate reporting of my credit history.