davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-24
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-24
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 see that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

Select Portfolio Serving - This lender increased my escrow {$1900.00} then sent me a letter stating my taxes went up. That is not true. I cant afford this type of increase. This lender is doing unethical things and lying to its customers.
Consumer complaint received 2023-05-24
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/XXXX, I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Midland Funding, LLC. properly investigated this account because there are obvious inaccuracies. 

The account has been re-aged by XXXX and XXXX. XXXX is reporting the date of last activity as XX/XX/XXXX while XXXX has reported XX/XX/XXXX. This is a clear XXXX difference and once again it is IQ Midland Funding , LLC 's job to make sure this information is correct by conducting a proper investigation. 

Midland Funding, LLC. has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. 

Midland Funding, LLC. has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to. 

I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury 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 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-22
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. (TX)

Despite of my previous complaint, I am submitting this CFPB Complaint again to dispute the accuracy of my credit report. As I reviewed my credit file there are still inaccurate items that are still continue reporting on my file. I am asking for your assistance in removing charge off accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the creditors, the charge off accounts remain on my credit report. Kindly remove the following items : XXXX XXXX Balance Owed : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy ; XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately ; XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. ; XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2015-08-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (FL)

In XX/XX/XXXX, I obtained a mortgage from XXXX Bank to retain ownership of a residence due to divorce. ( loan no. XXXX ) In XX/XX/XXXX I was unable to pay taxes and insurance for my home to to illness, the death of a partner, and financial problems related to an ongoing business. The bank entered into foreclosure action in XX/XX/XXXX, Through out the process I kept the ban informed of other property that I owned that was in litigation. The property finally sold and I requested the bank 's attorneys an amount to reinstate my mortgage under its reinstatement clause.I recieved a total amount for all costs, payments late charges attorney 's fees for a total of {$66.00}, XXXX. This amount was paid by cashiers check on XX/XX/XXXX Sometime in XX/XX/XXXX the mortgage was assigned to M & T bay who has used XXXX XXXX as a servicing agent. the principal balance due at that time was {$56000.00} At the timeof the assignment I was led to believe that the bank would modify my mortgage at the current interest rates. during the first foreclosure It was determined that the residence had substantial hidden leak damage.I used other monies to start reconstruction of the roof and upper story of the home. When I informed the servicing agent that I was in construction for repairs they backed off the mortgage modification and said they could not do anything in the matter or do any refinanciing. The Bank then raised my monthly payments to roughly {$1800.00} per month which I could not pay. They then created a scheme of charging me for late payments and interest on payments they claimed were due in XX/XX/XXXX and the last statement indicated that I owed over {$92000.00}. The bank filed a XXXX foreclosure in XX/XX/XXXX. This new foreclosure has halted the reconstuction on the property because I ca n't get any financing or refinancing to work the construction From a principal balance of {$56000.00} on XX/XX/XXXX I now owe over $ XXXX.in XXXX months. 
I bought the residence in XX/XX/XXXX it has a market analysis value of between {$950.00} to {$980000.00} It is roughly an acre of land with a natural beasch at the waterfron and the road side of the property faces a small park.
Consumer complaint received 2023-05-24
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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)

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX .... Balance : {$6600.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXXXXXX .... Balance : - THE XXXX XXXX XXXX XXXX XXXX XXXX  Balance : -
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOK FINANCIAL CORP (OK)

on XX/XX/15 my phone was stolen out of my car while asleep and used fraudulently.the thief went on my XXXX XXXX ( that did have a pin # ) & requested a new pin so a verification was sent to my email which they also had access to & changed pin # and cleaned my XXXX XXXX & bank acct out in 12 withdrawals back ti back leaving my accts- {$220.00} & {$490.00} taking a total of {$2400.00}. I Filed police report ( case # XXXX ) & gave bank.i have had this acct for a while now never been overdrawn & has had at least {$3000.00} at any given time. the bank manager was extremely rude and was not helpful at all
Consumer complaint received 2023-05-24
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. (NC)

On Monday XX/XX/XXXX, I spoke with an account specialist at XXXX XXXX who advised me to send in a written complaint to have this matter addressed. As the accompanying documents show, this account is being reported with/as false information on my credit file with at least three credit reporting agencies. Not only is the information false, unclear and misleading, but it is also being shared unlawfully without my express written consent.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX Balance : {$170.00}, XXXX XXXX XXXX : {$100.00}, XXXX XXXX Balance : {$67.00}, XXXX XXXX Balance : {$5600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (NJ)

I registered for Marcus by Goldman Sachs 's {$100.00} savings bonus and met all the criteria ( deposit {$10000.00} and leave money in the account for 90 days ) and did not receive the {$100.00} statement credit bonus. 

I opened on XX/XX/XXXX, had to hold through XX/XX/XXXX, to be paid by XX/XX/XXXX. 

I reached out over 5 times to Marcus by Goldman Sachs now and have been told, " The promotion was failed due to some technical issue, but please be assured, it is being manually tracked and you will be receiving your {$100.00} cash bonus with in few business days. '' After waiting another week and reaching out again, still no bonus and no concrete update on when I will receive it. 

XXXX XXXX
Consumer complaint received 2023-05-24
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. (NY)

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 U.S.C 1681. ACCT Name : 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 XXXXXXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 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 inaccurate.
Consumer complaint received 2023-05-22
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 since then reported these accounts as made my identity theft, along with a identity theft report because I have no knowledge of the accounts. You were made aware of this before and after XX/XX/XXXX with an identity report attached about the following accounts. Consumer Law states that this must be removed in 4 days of notice of identity theft. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX - XXXX XXXX XXXX XXXX  Account Number : XXXX SECTION 605 A 15 U.S. CODE 1681 C-1 and SECTION 605 B 15 U.S. CODE 1681 C-2 support my claim against identity theft while stating : a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} PER violation. I want XXXX per violation of the removal of the accounts. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

If you do not immediately remove this information, I will file a formal complaint with the FTC.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I bought XXXX {$500.00} visa gift card at XXXX on XX/XX/XXXX. When it opened them I noticed XXXX of the gift cards have a fake barcode sticker covering the real barcode. The gift cards are sealed in a package showing only the barcode. Cashier scans the barcode to load money and activate the card. So I tried to check the balance and as I thought the XXXX gift cards were not activated. Called Incomm on XX/XX/XXXX and submit a claim ( # XXXX ) with copy of the receipt and gift cards. Said they will contact me back in 10 days and its been 11 days. As I research online I see a lot of people have this scam happened to them. The way how the fake barcode is placed and how the package is sealed it must be an inside job. As you can see from the picture the glue was on top of the fake barcode sticker so it must've been placed on before the package was sealed up.
Consumer complaint received 2023-05-22
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)

Im submitting this CFPB complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}. According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an the identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-05-22
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX