davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
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)

Filed a dispute with Experian on XX/XX/2018 I gave them all the account information inorder for them to investigate and I get some automated email on XX/XX/XXXX saying that this will not be changed and there investagation is complete! Investagation done in less than 8 hours not posable and they did not offer any supporting info to prove an investation took place which it did not clearly! I also am unable to reach anyone by phone or email at all! I have submitted another dispute with the same info I provided the first time and I am sending it both online and by mail, this is clearly not ok they have our life in there hands which they already sold and caused tons of problems for me with Identity theift ( and they do nothing to help with that even though it was their fault ) How can they get away with these practices why have they not been shut down are they that much more powerful than any other can anyone step in? How many complaits have to be filed to effect a change or is that something that no one can touch they just do what they want holding us all to their mercy!
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (OH)

I have many XXXX credit cards that have been opened since my bankruptcy in XX/XX/XXXX. I have NEVER even been 30 days late on a payment with any of my cards. I went through a divorce in XX/XX/XXXX and my credit was affected, however I have worked hard to reestablish credit. I have been responsible and have always paid on time. XXXX for what ever reason has decided to lower my credit lines and even close some of my accounts. The reason given on the letters is bankruptcy and high balance. My high usuage is reflected as a result of them lowering my available credit for no reason other than because they felt they can. My bankruptcy was in XX/XX/XXXX which was prior to all of my XXXX accounts even being opened and as I said I have never been late on any payments. I do not feel it is best practices to randomly lower my credit lines when I am paying all of my accounts on time and no new purchases were being attempted. This has caused my dti to go higher and my credit score to continue to drop as a result. It should not be legal to lower an established credit line because of information reporting on my credit bureau that was reporting when the account was opened and given credit line increases.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (TN)

Prosper says they say the sold a loan under my name in XX/XX/XXXX and then transferred inXX/XX/XXXX to XXXX XXXX, and now it is in house under one of them as they own both companies. Prosper has not sent any loan docs with my signature, the ID they would have been required to obtain, and seems nearly clueless when I call them. Yet, someone inside the company has no problem changing and account they are reporting to my credit profile every month but can not physically verify that it was ME who signed up for their program. HUGE lawsuit coming if they don't fix.
Consumer complaint received 2018-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Unverified late payments listed on my XXXX XXXX Student loan - I was still in school and payments should have been deferred but the loan was sold. I was not late! I was in school!!
Consumer complaint received 2018-04-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America has refused to no longer talk to me about the account they claim was mine and is not, and they have gone to such lengths to make me pay for an account that is not mine, that they kept changing the information and story until they sent a final letter claiming they refused to no longer respond. Now that I have finally gotten XXXX to look at a settlement agreement and showed the the person Bank of America claims received payment for their legal services in my settlement was not even on the agreement and I have no idea who this person is, they are now telling XXXX that they want to talk to me. Well they can contact me on here but I have already said everything I have to say, I will not pay for a debt someone else created and they are so many holes in Bank of Amercas story that who knows if the debt is even real or the amount is correct. Just like they sent me a notice, I have nothing further to say than remove your info from my credit report ASAP and admit you broke the law by trying to make me claim this debt on my taxes. On a side note, XXXX and XXXX   have already found issues in Bank of Americas claim and removed them on their own and have not allowed their info back on my report.
Consumer complaint received 2018-09-20
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: Fidelity National Information Services, Inc. (FNIS) (NV)

Check Systems has been notified several times regarding my chapter XXXX bankruptcy and continue to report inaccurate, negative, and incorrect information to creditors. XX/XX/XXXX being the last report issued. Check systems was informed by myself and the bankruptcy court in XX/XX/XXXX that my bankruptcy had discharged but they still report information which results in denials for accounts and other services that I am eligible for.
Consumer complaint received 2018-04-16
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: Professional Recovery Management (GA)

I sent a letter to XXXX XXXX XXXX requesting that they validate, not verify, a debt that they are attempting to collect from me. I asked for s signed agreement/contract and other supporting documentation. They only provided me with a statement of billing, which does not prove that I am obligated to pay them. They have reported delinquent/negative information to the credit bureaus that I am asking to be deleted.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX does not respond to any request for validation of debt so XXXX and XXXX removed. But ... .for some reason Experian can not provide this information either but reports every month as as late payment, and paste due account. Unbelievable! Account is showing it was laste in XX/XX/2011 is the kicker - 7 years ago. Hopefully CFPB and get ahold of Experian and find why the XXXX  this has not been removed as no one can provide any validation of what this debt is and I have provided my SSN Card and ID.
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: On-Site Manager, Inc. (IL)

On XX/XX/XXXX I submitted a rental application to XXXX XXXX at XXXX in XXXX XXXX, IL. Their 3rd party vendor, On-Site ran a background check if my rental history which discovered an eviction/judgment XXXX that was reported in error on XX/XX/XXXX. This information has successfully been removed from my credit bureau reports and XXXX file as I was able to prove the case was voluntarily dismissed by the plaintiff, XXXX XXXX XXXX dba XXXX XXXX XXXX. I still currently reside at this same address until my current lease expires XX/XX/XXXX. I immediately filed a dispute with On-Site on XX/XX/XXXX, Dispute # XXXX, providing a copy of my recent XXXX credit report that they used to show this is inaccurate. On XX/XX/XXXX, On-Site responder that they have finished their investigating but would not be removing the inaccurate finding. This has delayed my search to find new housing as my current lease is voluntarily expiring and I require relocation. On XX/XX/XXXX I submitted a 2nd dispute with On-Site Dispute # XXXX, this time I included a copy of the voluntary case dismissal and agreement from XXXX County Circuit court signed by myself and the former property manager, XXXX XXXX. The very next day XX/XX/XXXX, On-Site responder again, that they will not update their records and have informed XXXX XXXX at XXXX that they will not update their records. This is very unfair as the information is inaccurate and is causing me to not be able to secure fair housing. I do not know why they refuse to make the updates when I have supplied sufficient evidence. Please assist with making this correction. My daytime phone is ( XXXX ) XXXX.
Consumer complaint received 2018-05-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

i have filed several disputes with Experian dealing with a few accounts. i have sent proof that the information is not reporting correctly, yet they send automated letters saying it updated and verified. it can not be verified as it still reports incorrectly. i have asked for information on how the investigation took place and what info did they have to prove that the information is correct. On XX/XX/XXXX they received the first dispute asking to investigate along with PROOF. they responded that the information was updated, however it was NOT. on XX/XX/XXXX i sent a re-investigation letter asking for details of how the proved the account they did not send any information but claimed it was verified. they did not aknowledge any letter i sent. XXXX XXXX  has admitted that they do not have any information to validate that I am truly liable to a debt, yet Experian says they have it and will not send to validate the debt.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

i ask the company to show me proof that I open this account by sending me a copy of my signature associated with this account and they told me that they do not have my signature bearing on this account so I ask them to delete this off my credit report the name of the company is XXXX XXXX XXXX the amount was XXXX was charge off XX/XX/2015 the address is XXXX XXXX XXXX XXXX, XXXX XXXX sd.XXXX.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

i ask the company to show me proof that I open this account by sending me a copy of my signature associated with this account and they told me that they do not have my signature bearing on this account so I ask them to delete this off my credit report the name of the company is XXXX XXXX XXXX the amount was XXXX was charge off XX/XX/2015 the address is XXXX XXXX XXXX XXXX, XXXX XXXX sd.XXXX.
Consumer complaint received 2018-09-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Crosspoint Financial Inc. (CO)

Shortly after I bought my first house in XXXX, I began receiving letters from Crosspoint Financial offering to lower my mortgage interest rate or to refinance to get my home equity in cash. The offers were not better than my current mortgage rate but were aggressive in their persistence. I ignored them until I moved to another home in another state in XXXX of XXXX. Shortly after the first letter I received that was forwarded from my home in XXXX to my home in XXXX, my wife called Crosspoint and spoke with a representative who agreed to remove my name from their mailing list. We have received another letter.

Not only is mine and my wife 's information on the Do Not Call registry, but we also spoke directly with this company to ask them to stop  harassing us.
Consumer complaint received 2018-05-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion DELETED XXXX XXXX XXXX XXXX Paid in full joint Auto loan account off my credit report when I disputed. XXXX constantly provided false info and inaccurate payment information about this financial transaction to Transunion which left me no choice but to dispute each and every time. On XX/XX/XXXX it was deleted off my credit report and when I called in and spoke with a XXXX on XX/XX/XXXX she informed me that XXXX  deleted it off my credit report and their reason she stated in the notes is " this account does NOT belong to me XXXX XXXX ) '' when they know for a fact that this is my account and that it does belong to me and how they know is by my DOB and social security number. So XXXX told me to asked them to Reinsert it back into my credit file with updated information and they should do it well I did that 3 times by fax and certified letter and XXXX said in letter form that " they did NOT delete this account off my credit report they blame it on Transunion and say they were the ones who deleted it off my credit and it has been over 2 months that this has NOT been on my credit. I then called again to Transunion and spoke with a XXXX who said that they Transunion did NOT delete this account and that XXXX XXXX XXXX deleted and all Transunion do is report what they and other creditors provide to them so I faxed Transunion a letter REQUESTING them to put this account back on my credit at once and by the end of the month and to have a manager call me and Transunion has NOT responded. Meanwhile I am damaged by this malicious action and don't know who is telling the truth and who is lying. I even attached the letter XXXX sent me to the fax to Transunion. This account is a good standing account and is a plus to my credit and if it was a bad account that was repo or in collections then worst it WOULD NOT BE DELETED and would stay on my credit report for 7 to 10yrs where it would NOT be deleted until then so why harm my credit then be malicious and discriminatory against me when I disputed. This is NOT right
Consumer complaint received 2018-05-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a Credit inquiry reflected on my TransUnion credit report that is fraudulent. The inquiry is from XXXX XXXX dated XX/XX/2017. I am attaching a letter from XXXX XXXX that confirms this fact. I have trying to get this fixed for months but the bureaucracy seems to get in the way.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX of 2017 I purchased some items form XXXX and was offered a coupon but instead the employee applied for a XXXX credit card which I am highly upset about I have tried to get this problem solved but I was given the wrong contact number and fax number by XXXX credit bureau. Its also been over 45 days and I havent been contacted.
Consumer complaint received 2018-03-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This is my third complaint of how I am being treated by Bank Of America Home Loans Department. I received a nasty phone call from a representative from Bank of America. Her name is XXXX XXXX. Phone number XXXX ext XXXX. This representative from Bank of America spoke to me in the way that was very disturbing. I've been going through this battle with the Bank for over 2 years! It has been very hard to deal with. I am only trying to get a modification to lower my payments and keep my home. XXXX XXXX insist I can apply for a another modification but do not send any more documents to XXXX, Just to send my documents directly to her. Something is not quite about this request. Why doesn't Bank of America want me to send my documents to XXXX. XXXX has been such a big help to me. XXXX XXXX XXXX called me about XXXX XXXX Friday XXXX the XXXX. I later returned her phone call about XXXX. I gave Bank of America all the documents in which they insisted previously before. Even spoke with the appeals department to make any corrections needed, Bank of America still denied me a modification and appeal. Bank of America wants me to FAIL! Bank of America wants to sale my home on the courtroom steps!!. They want to see me homeless. I faxed over Utility bills, home expensives, taxes from XXXX to XXXX, XXXX form and a hardship letter concerning my situation. Back in XX/XX/XXXX, Bank of America rejected the previous buyer request for {$110000.00} to buy my home, so since Bank of America rejected the offer, I didn't want my home to go into Foreclosure, So that's why I am asking for a modification. My home is only worth {$70000.00}!!, but Bank of America wanted {$140000.00}!!. I couldn't believe it! Something has to be done about this situation. I am fighting to keep my home. Bank of America did not agree on the sale price, so I am fighting to keep it!! XXXX XXXX was very nasty to me on the phone today. I need to keep my HOME!! Bank of America also has a lien on my house. What is going on here?? When I tried to sell my home, The Bank was being very difficult, now I am trying to keep it, Bank of America are being more difficult then ever! More government officials needs to see my complaint with Bank of America. Something has to be done about the treatment of these mortgage companies.
Consumer complaint received 2018-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (WI)

Hello and thank you for your service ( s )! 

I TOO.. Want to help YOU and consumers connect with financial companies to understand issues, fix errors, and get direct responses about problems. 

I WISH I DID NOT HAVE TO COMPLAIN TO A 3RD PARTY. : ( It is semi-comforting to know that Submitting my complaint WITH YOU helps OTHERS TOO and plays a role in everything YOU do, helping YOU to identify problems and prioritize YOUR work AND turn MY complaint into action to improve the marketplace. This is VERY important to me! 

Here is my ordeal in brief. 

NO ONE @ BMO Harris has adequately explined to me " EXACTLY '' why my " electronic deposits '' were not acceptable! 

I opened my BMO Harris accout in early XX/XX/2017 with an promotional incentive coupon from the bank itself stating in fine print I need to have " direct deposit OR ANY other electronic deposit '' of {$300.00} or more for 2 consecutive months ( which I actually did for 4 months, see image screen shot ) and " AUTOMATICALLY '' receive {$200.00}. 

The banker that accepted the coupon XXXX XXXX at the XXXX Wisconsin BMO Harris Branch 1st FAILED to inform me promptly that this may not be acceptable while trying to acuse me of being hostile. I was not in any way hostile and was appologized to by another member of the bank for her behaviour. I was VERY disappointed in her lack of timely concern for my {$200.00} incentive, she merely opened the account, DID NOT CARE and/or forgot about the incentive altogether there-after! She sure DID NOT  forget to sales pitch me for a mortgage though!!! 

I NEVER RECEIVED THAT {$200.00} bucks, it has not been a year yet so this is my final attempt to get my {$200.00} bucks before possible court/legal action. 

Heres your coupon! Promo Code XXXX Swing by a nearby BMO Harris branch with your promo code or open your account online now. Well automatically apply the {$200.00} cash bonus promo code when you apply online. Youll get {$200.00} after you open an eligible checking account with qualifying direct deposits. 

I would like BMO Harris executives to credit {$400.00} for my having to wait a year for it now. 


{ END OF MESSAGE TEXT } - ERROR ATTACHING FILES/IMAGES
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

They spying on me, inventing information about me and selling it, they are watching me, stalking and peeking without permission and against the law of privacy protection, they spread lies and lies about me, they hurt me, my family, our future, my good name and my livelihood. 
No one gave them permission to use my name or my details
Consumer complaint received 2018-03-16
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. (MA)

I Requested XXXX XXXX  Close my account in XX/XX/XXXX due to fraud and unauthorized user. ( My conversation was recorded with my Bank Manger conferenced in with XXXX. They did not close the account as promised until XX/XX/XXXX nor would they retroactively do so. Every time I close an account they open a new one and allow fraudulent charges to be transferred to new cards, at least six cards I am aware of. They lost my initial fraud report and have not reimbursed me nor can tell me when I will be refunded. My credit has been adversely impacted such that I can not get a job or new credit. Prior to this incident I had excellent credit in that my balances were paid on time in full every month. Despite having a XXXX XXXX XXXX which I believe has zero liability I am being held liable. They refuse to provide necessary documentation showing multiple frauds so I can apply for a new social security. My bank account was breached as well. While they admit orally to fraud they will not provide anything in writing or agree to blocking my account.