davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MS)

multiple violations. 

I am a victim of identity theft as a result of a data breach. This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. 

Despite my multiple attempts to notify XXXX, XXXX, LexisNexis, XXXX, XXXX, and XXXX about this identity theft and data breach, they have failed to block and remove the inaccurate and unauthorized information from my credit report. Under FCRA 15 U.S.C. 1681c-2, I have the right to request that fraudulent information be removed from my credit report when I provide proper documentation, such as an FTC Identity Theft Report.

Also Under Mississippi state law, the statute of limitations on debt collection is three years. The credit reporting agencies have violated this statute by continuing to report and collect on accounts that are past the legal statute of limitations. These accounts should have been removed from my credit report and should not have been pursued for collection beyond the three-year limit. 

XXXX XXXXXXXX, LexisNexis, XXXX, XXXX, and XXXX have violated my rights under the FCRA by reporting inaccurate, outdated, and unverifiable information on my credit report. 
I request Immediate blocking and removal of all fraudulent and unauthorized information from my credit reports with XXXX XXXX, LexisNexis, XXXX, XXXX, and XXXX An investigation into the violations of the Fair Credit Reporting Act ( FCRA ) and the Mississippi statute of limitations by the credit reporting agencies and the debt collector.

Enforcement of my consumer rights, ensuring that no further unauthorized or illegal reporting occurs on my credit report.
Consumer complaint received 2019-05-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (SC)

to whom it may concern : i was made tax exempt on XX/XX/2019 so i sent a copy to my mortgage company, and they sent me a reply confirming they had received it and all changes were made, however, when i checked my statements i found that they were still taking taxes out for 5 months, so i called them to find out why they were still taking out taxes. the first person i talked to i asked them why they were still taking out taxes since i was tax exempt, they said let me put you on hold and hung up the phone, so i called back and the second person i talked to i asked the same question and also what was misc. escrow money and they said that is the money we sent to you and i ask why i never receive it, then they said we will issue another then i ask about the taxes they had taken out for the last 5 months and they said we will send another {$300.00}. and i said no so they transferred me to their supervisor and again the same question to the supervisor and the supervisor said we don't have any money for you so i said i will report your company to cfpb and they said go ahead i don't care
Consumer complaint received 2019-08-17
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. (HI)

You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. 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 ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX   ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had a credit account with XXXX. I returned all of my merchandise but was never received credit for the items I returned. This account has been listed as charged off and pass due on my credit profile since XX/XX/XXXX. I have the original receipt of the merchandise being picked up and returned XX/XX/XXXX. However XXXX has reported my account as never paid and charged off in bad standing. I have reached out to XXXX many times for them to please correct this error but they continue to dispute my dispute with the credit bureaus. This account has been financially crippling because of the negative impact on my credit for so many years. I returned all items as to relieve any balance with my credit account however XXXX has never reported the corrected or true balance to credit profile. And as recently as XX/XX/XXXX again denied my request to fix this untrue negative account on my credit profile. Please see attached is my original receipt for pick up and it included the serial numbers for the merchandise.
Consumer complaint received 2019-08-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MA)

On XXXX  XX/XX/2019 I send a western union transfer to my sister for emergency when she goes to pick up the money they told her too much transaction. It was only $XX/XX/XXXX.when I called western union they give me another tracking number to go get my money back.2 days ago I sent $XX/XX/XXXX I am still not getting the money back, they also told me they can't give me any information about that money so I don't know what to do ,I don't know if I'm going to loose that amount the $XX/XX/XXXX or if I have to wait.also the western union customer service don't really don't speak English. My sister need that money so bad it is for emergency. I want to know why ever time I send a money in western union they block the transfer .thank you! Western union is bad now
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/2019, I went to use my Kohl's credit card at the store but it was declined.  Then my mom went to use hers to pay for the purchase. Hers was also declined.   A manager came over and stated the store declined it when we tried to use it in her presence.  I had to use another card to make the purchase but was entirely mortified by the fact my card was denied.  While I made the purchase with another card,  I was told I had to call Kohl's to address the issue.  When I  spoke with Kohl's oon the phone,  they said the computer automatically closed my account for inactivity.  When I questioned who authorized it,  I was told it was done automatically and no authorization was given.  I questioned why I was not notified and was told they me they don't notify anyone when they cancel the account. So obviously their policy is to close accounts and embarrass customers at the time of purchase by telling them in front of customers that their cards are declined.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2019, i made a payment to my credit card at a Bank of America ATM. This payment was made with a money order from XXXX. I received a letter from BOA dated XX/XX/2019 stating that payment was debited from account because the required encoding information is missing or invalid. 

I have no idea what they are talking about. I have made payment using money order almost every month without any issue. Regardless, the money order or the check in question should have been returned to me. It never was. Since then i have tried calling more than a dozen times. After a million prompts and get to listen to the music forever and no live person picks up the phone. I spent at least 30 to 40 minutes every time doing this exercise. 

I have finally given up and and am contacting CFPB. I would like the payment of {$470.00} be credited to my account or the payment instrument be returned to me.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

To whom this may concern, on XXXX, XXXX I sent In dispute letters to all three credit bureau 's Equifax, XXXX, and XXXX stating the inaccuracies that are reporting on my consumer report referenced from the FCRA & consumer laws asking them to remove the inaccuracies and to send me a updated report with the correction made. I never received the updated credit report/consumer report with the corrections and the inaccuracies are still reporting inaccurate on my consumer report. 
According to the FCRA everything on the consumer report should be factual and accurate across all bureaus and that is not the case as of today XX/XX/2023. I feel like I'm being mistreated and bullied of my rights as an American citizen as these inaccuracies are still reporting. I'm being hinder from financing from banks and lenders, as well as unable to secure a job to take care of my family of 5 all under 13. As hard as it is already being a single XXXX XXXX XXXX XXXX in XXXX these inaccuracies on my credit report is a barrier from achieving success, securing a job and taking care of my family. I need immediate help to fix this problem.
Consumer complaint received 2023-02-21
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: BARCLAYS BANK DELAWARE (CA)

XX/XX/2022 I paid {$3500.00} for ammended tax returns. 

XXXX XXXX  later I had not recieved the ammended returns. I called and opened a dispute, but then the vendor got in touch with me and so I asked to put the dispute on hold until the ammended returns were received. I was told that I could not put the dispute on hold, so I cancelled the dispute in hopes that the vendor would follow through. 

The vendor did send me the documents about a week later, but then I began to be suspicious of the work and checked it out with another accounting office. There were several errors and the work that he had done was not aligned with tax laws and I was unable to submit the ammended returns. I repeatedly tried to call for a refund, with no reply. 

I re-opened my dispute with Barclay, by submitting a letter to their dispute department before the 60 day mark, but have not received a letter or any indication of what is happening on their end. I have tried to call in. When I do call in, I am not being passed through to the people actually working on the dispute. They told me the dispute was reopened, but I'm not even sure if that's true, because I'm consistently getting information that is incorrect from customer service. I can call right back and get a completley different repsonse. 

The customer service told me to just call back again and again and keep asking.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (MT)

Hello, I am writing to inform you that the debt from XXXX XXXX XXXX is not my debt. The debt from the company they bought the debt from was a fraudulent account. I have spoken to XXXX XXXX XXXX and they agreed to remove this account from my credit report when spoken to them about this account. They have been harassing me instead. Please remove this account from my credit report. Thank you. If this account is not removed asap I will take legal action against credit reporting company 's and XXXX XXXX XXXX. I will be asking for maximum amount of monitery relief allowed for neglecting to solve my issue that have resulted in major setbacks in my business and personal life due to this fraudulent account!
Consumer complaint received 2023-02-21
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

PRE ARBITRATION NOTICE I XXXX XXXX, A federally protected consumer here by put Your company on a final notice of violation of FCRA for failing the requirement of the law by furnishing inaccurate information on my credit report. This account was due to identity theft and i did not commit any fraud, you have failed to remove this account after receiving several notices via mail and telephone communication. 
You have also fialed the requirement of the law by providing Your company is in violation of 1. 15 U.S. Code 1681ba ( 2 ) - Permissible purposes of consumer reports 2 ) In accordance with the written instructions of the consumer to whom it relates.

2. Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) consumer report does not include : 1. A report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXX. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. In turn, the FCRA may also restrict activities that the GLBA permits. For example, the GLBA permits a financial institution to share a list of its customers and 4. Communication of such transaction or experience information among persons, including financial institutions related by common ownership or affiliated by corporate control.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

FInd Attached the letter from XXXX XXXX XXXX who you claimed furnished the information of fraud on my credit report. and identity theft report of the account.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (MO)

XX/XX/2023 XXXX, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Consumer complaint received 2019-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I states in my loan modification agreement that I have 60 months to repay the escrow account. Specialized loan servicing changed the terms of an existing home loan with out my consent. They decided that 60 months was to long to pay back the Escrow shortage four months after acquiring the loan from XXXX XXXX XXXX. They increased the amount of my loan and told me that I short paid them even though i paid according to the agreement I had with the previous lender. I asked them to honor the terms and i was to that is not in their protocol and i would not be able to pay the amount back.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Equifax Information Services , Inc. for knowingly and willingly committing violatons of my consumer rights. This information is inaccurate and very misleading and caused my credit score to drop significantly. Pursuant to U.S. Code 1681e ( b ) they should be reporting 100 % accurate information.
Consumer complaint received 2023-02-21
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. (CA)

I recently checked my reports and noticed I had some unauthorized accounts and inquiries listed. I also noticed Equifax reinserted an inaccurate account that they once deleted. I know that this is against the law so I ask that they remove this immediately. I also demand that the other unauthorized inquiries get removed as well
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be updated and corrected soon : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP (UT)

On XX/XX/23 I attempted to deposit {$260.00} cash through a US Bank ATM using a non-USBank card. The ATM malfunctioned and produced a reciept stating it was rejected, and the cash was not returned nor the funds added to my checking account. I immediately went inside and was told to call their customer service number. I then proceeded to talk to customer service, the dispute line, and somehow ended up with the employee line for US Bank ATM problems. They told me I would not receive my funds unless I filed a dispute through my bank XXXX XXXXXXXX XXXX ). I then called my bank, who began to file a dispute. They were unable to, as the transaction did not even appear on my bank statement as a declined transaction. My bank physically can not file a dispute on a charge that is not on my statement. Even so, I filed one anyways and went through the whole process only to have it denied due to not being on my statement. I then called XXXXXXXX XXXX customer service, who still agreed to file an escalated dispute on top of the original one. This one was also denied. 

The day it happened, I went into the bank and spoke to the manager who was very helpful. He documented my name, address, and all details of the situation for his records. He then said he would email me copies of the ATM count showing it was {$260.00} over, as well as email US Bank corporate on his end, which he did the following Thursday after the incident.

I have the receipt from the transaction, the ATM count as a PDF and a copy of the email from the bank manager, all other communications between me and the bank manager, and proof that the funds were not returned to me through my bank statement. I have been dealing with this for nearly two months. I have
called endless time and emailed multiple times, having records of all email correspondence. I am paycheck to paycheck, and this is a lot of money to be taken and not returned from me. I am not sure what to do now, but I am continuing to try and file ANOTHER dispute. US Bank customer service has been nothing but rude and unsympathetic to my situation, and have provided no help whatsoever, aside from the bank manager at the location.
Consumer complaint received 2019-05-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have an increase in my required escrow balance due to a window purchase made via the XXXX XXXX. I have paid a portion of the amount of increase to Wells Fargo Mortgage, they were to adjust down my monthly payment amount based upon the balance left of the escrow increase. Wells Fargo has failed to apply these funds I have sent in that were to be applied towards the escrow amount increase. The funds are still unapplied by Wells Fargo Mortgage. I have spoken with Wells Fargo Mortgage twice regarding this issue, they said they would fix the problem ... it remains a serious issue. 
Funds in the amount of approximately {$2000.00}