davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

attached is a copy of my victim 's complaint and affidavit and police for fraud on my account since I been oversea since 2011. I am XXXX XXXX military. Someone using my old account and open new accounts in my name with previous lender and credit card companies. I faxed my identity theft victims complaint and affidavit and police report to all XXXX credit reporting agency and alert was placed on all my credit reports with all XXXX agencies. I complained
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (AZ)

I went to what I thought was a reputable website and they offered to give me my free annual report. I wanted to know what my credit score was so since the website was reputable I thought I was safe. It went to XXXX, it did not give me my credit score and now they have my information and I feel unsafe with my personal information in the hands of a fraudulent misleading business. What can I do to make sure my information is safe and how are they allowed to be so deceiving?
Consumer complaint received 2020-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (AZ)

Yesterday XX/XX/20 at around XXXX XXXX I went to the ATM at the BMO Harris Bank at XXXX XXXX XXXX XXXX, XXXX, AZ to make a deposit into my checking account of {$2000.00} cash. The ATM machine jammed as it was counting my cash and froze. I could not get my card out of the machine or my money. The screen went black and it started reloading software. It eventually got reloaded after around 15 minutes. I got my card out and put it in again to check my account balance. My deposit was not credited to my account at all. {$2000.00} cash is missing. I've spent many hours now yesterday and today trying to get my bank to return my {$2000.00} their ATM machine stole from me. I filed a complaint with them yesterday and they told me at XXXX XXXX yesterday that my funds would be deposited to my account within 2 hours. They told me this happens all the time. I'm XXXX and I've never in my life had money stolen by a bank or ATM machine. By the end of the day my funds were not returned. Finally the bank manager XXXX called me after the bank had closed and told me they were " starting an investigation that would take about a week ''. I can not wait a week to get my funds back. That money is a hard money rehab loan that I got from a hard money lender for rehabbing my house. I have contractors lined up to start work tomorrow and all of next week who require cash payment for their services on a daily basis. If I have to cancel their schedules I don't know when they will be available again and this hard money loan is short term and very high interest and must be paid in full by XXXX. I can not wait for my stolen money to be returned. I need it today. All they have to do is go get it out of their ATM machine in their drive through and give it back to me. This delay in returning my {$2000.00} deposit stuck in their ATM is unacceptable. I also called their corporate office this morning where I'm not allowed to talk to anyone but the receptionist. I called their fraud and ATM department who said it's being handled by their Regulation E Dept who they refused to let me talk to.
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (IL)

Hi, I would like to file a formal complaint against Experian due to their inability to fix an error in their system that prevents my credit score from appearing. 
To give some background information, last year around this time I moved to XXXX, IL and I applied for apartment. To my surprise there was an error and I had to pull up my credit score information to send to them. I checked all XXXX on XXXX and I also received an error from experian, but was able to pull my information from the other XXXX reports. I did n't think anything of it and the apartment company was able to accept what I had submitted from the other reports. 
This year I decided to move to a different apartment complex in XXXX and the same thing happened again. I went online and tried to pull up my credit through their website and it would error out when it was processing every time I hit submit. This time I knew there was an issue and I decided to call them to figure it out. I called the automated system and received an error and was given the run around when I tried to find an option to speak with a representative. I managed to find a number for their customer service for people that was n't to sign up for their services. After speaking with XXXX different representatives including a supervisor, they all gave me the same generic answer that they would n't be able to assist and I would have to call the other number. I told them I called that number and that I was unable to talk with anyone since it was all automated and they insisted that I would eventually talk with someone that would be able to help me. They were wrong and I kept calling the number telling me to go online or mail in a form with identification. I went through everything I could online and with no help from anyone over the phone I 'm not sure where to turn. Please if there is anything you can do to help it would be greatly appreciated. I 'm not concerned about my situation so much this year as I am in the future when I would have to have a cosigner for everything when I worked so hard to have an excellent score through the other companies.
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IA)

After the death of my husband on XX/XX/XXXX and the loss of my job, I was unable to pay the mortgage on our home. I went through the necessary steps and returned the deed to XXXX and it 's attorneys on XX/XX/XXXX. It was recorded as becoming XXXX property on at the local courthouse on XX/XX/XXXX. The original deed was released to me in early XX/XX/XXXX. A new owner purchased from XXXX on XX/XX/XXXX. I am trying to get a mortgage for a condo I have under contract and it has been brought to my attention that all XXXX credit bureaus have XX/XX/XXXX as the date the deed was returned.Over 1 year and 7 months after it happened. Even though I have all sorts of proof, the mortgage credit bureau will not accept it because it has not been corrected on my consumer credit reports. Please help me! Time is of the essence.It 's hard for me to understand why this ca n't be easily corrected as the dates I am telling you are all public record at the local courthouse. We have been in contact with XXXX, but this has not yet been resolved. All the documentation was rejected by the mortgage credit bureau. I 'm not sure I know the difference, but the date in XX/XX/XXXX is just WRONG! Please let me know if you can resolve this for me.
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (DC)

I have subscribe to Experian 's CreditCheck Monitoring service for years. Included in this product, I get monthly access to my credit score ( all XXXX credit scores ). This whole time, I believed my credit score to be in the mid to upper XXXX. However, when I recently applied for a credit card, I received a copy of my score from the bank. It was much lower than what is reported by the Experian CreditCheck Monitoring program. I believe Experian 's service is misleading.
Consumer complaint received 2016-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX, through its representative, XXXX XXXX, has a false claim that I, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, owe a debt that we do not owe. They have filed this on our credit reports since XXXX 2015, despite the evidence that their claims are inaccurate. This is a clear violation of the law by their false representation of an amount and legal status of the so-called debt they are claiming. We provided them the information and evidence that they are in error, but they have since failed to correct their error. 

Originally, a dispute had arisen with a potential landlord that was settled in court. When judgment was entered in court, we satisfied the judgment, since XXXX 2015. However, XXXX XXXX XXXX has continued to negatively affect our credit score since that time by insisting that we owed an amount which is simply false and inaccurate. 

FMS Financial Solutions refused to correct their records, despite the fact that they were made aware that they are violation of the Fair Debt Collections Practices Acts ( 15 USC 1692 ), especially section 807 ( false or misleading representation of " A ) the character, amount, or legal status of any debt '' ). We provided them the evidence of the notice of satisfied judgment, and XXXX XXXX, their representative, refuses to correct this information. 

We provided proof of the satisfied judgment amount and closed legal status, which was significantly less judgment than their client was claiming. We notified them that further delay requires further action provided by the laws of the United States.
Consumer complaint received 2024-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (TN)

Lack of Notification : I did not receive any notification from Radius Global Solutions regarding this debt. 
The absence of proper notification is a violation of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). 
Violation of Rights : My rights have been violated because I was not informed about the debt and my options to dispute it. 
This lack of communication has deprived me of the opportunity to verify and challenge the debt 's validity. 
Medical Debt Concerns : The debt in question appears to be a medical debt. 
I did not give permission to anyone to release my medical information to Radius Global Solutions or any other third party. 
Unauthorized Release of Information : The unauthorized release of my medical information constitutes a breach of my privacy rights under the Health Insurance Portability and Accountability Act ( HIPAA ). 
This unauthorized action has caused significant distress and concern about the confidentiality of my medical records.
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

I have tried twice to let experian know that they have unfairly reported my credit score way too low and they still wo n't honor my request which is now discriminatory. 
transunion has me at XXXX equalfax is at XXXX and these guys are at Experian have me at XXXX. I have paid on time with XXXX credit cards with no late payments for four years and XXXX mortgages at 2 years this is after my bankruptcy of XX/XX/2009. So for seven years I have a perfect payment record. I 'm a widow that my spouse died 5 years ago with a XXXX we were dealing with. I have XXXX children and I need to refinance. 
Please resolve this thanks
Consumer complaint received 2016-01-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have repeatedly been asking Experian to " investigate '' false information on my credit report. They are not investigating anything because they keep " verifying that it 's correct ''. It 's not correct and if any actual investigation was done, they would know that. All the other credit bureaus removed the inaccuracy with little to no problem. There is no valid phone number for experian unless you want to buy something from them. They will give you a secret phone number that supposedly works if you buy a report or product, but I do n't want to buy anything. I want them to do their job. Do they get paid to pretend I have bad credit? Why do they go out of their way to NOT fix errors? Kickbacks from the banks for charging higher interest rates than I should have? I was on their website this morning filing yet another a dispute request ... the webpage stopped working in the middle of the process ... I have no idea if it even went through or not. So, I tried to log in again, and now they have locked me out of the online website entirely ... claiming I 've exceeded the amount of times I 'm able to view a report ...???? I do n't want to see my report. I want you to get rid of false information. Why is this so hard?
Consumer complaint received 2016-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against them ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I, XXXX XXXX XXXX, have been ignored by your company for years now and I have been asking patiently and writing certified letters to clear up debt that was not mine and was fraud! No one has had the decency to even respond back. I have included enough information in the letters where you should have cleared my credit report and given me the perfect credit score. I am going to file a class-action lawsuit against your company, the XXXX, the state of New York, the federal government, and every employee. I am no longer asking I am demanding that you clear my credit report and give me my perfect credit score! Under the law of the Fair debt Collection Practices Act ( FDCPA ) ( section 1692g ) and XXXX Administrative Code ( section XXXX ). Please note that XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under XXXX regulations ( section XXXX of the Rules of the XXXX ) verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 

Because I am denying the debt, and telling you its fraud, you should not have reported it to the credit reporting agencies. You have already reported it, which is fraud, please notify today XXXX, XXXX, 2016, every credit reporting agencies that these debts have been disputed, they are fraud, and need to be deleted from my tradeline immediately or I am filing class-action lawsuits against every reporting agencies. This information is inaccurate, its fraud, and failing to clear up this matter immediately violates the FDCPA and the Fair Credit Reporting Act. 

Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the XXXX ( section XXXX ) require that you honor my request. Thanking you in advance.
Consumer complaint received 2020-06-11
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Over the course of my 75 month loan that i payed off on time every single month. I made multiple attempts to update my address and the lien holder XXXX XXXX XXXX failed to update my information and routinely sent PII to an old address. The final payment for my vehicle was not auto debited from my account as the previous 74 had been. XXXX XXXX XXXX claimed that they sent me notice of this via mail, but then admitted to failing to update my address to the correct one so I had NO WAY of knowing that it would not be automatically debited from my account. When i realized I had not been charged I contacted the company. They stated that I would not have an adverse remark placed on my credit report, which I still did. I made several unsuccessful attempts to rectify this with the lien holder, and also filed an unsuccessful credit dispute with the credit bureaus. I was only able to get it removed from XXXX.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This is my second complaint. I opened a loan with XXXX college XX/XX/XXXX. The notation on their trade line on my files is : " First payment never received ''. This means my first delinquency date was XXXX. I never rewrote this loan, made a payment on this loan or did anything on this loan. 
XXXX reported it as a collection after receiving no payment XX/XX/XXXX. ( That notation is on the paperwork attached ). Of course the delinquency date was still XX/XX/XXXX since NO PAYMENT WAS EVER MADE. To illegally manipulate the bureau 's obsolescence programs and VIOLATE FEDERAL LAW they changed it back to 180 days late XX/XX/XXXX. Apparently so that this stays on my credit file for the rest of my life. 
I filed a complaint and all TU did was tell CFPB that they sent the dispute to XXXX and XXXX verified it was correct. ARE YOU KIDDING ME? THIS IS SIMPLE MATH PEOPLE. NO PAYMENT SINCE XX/XX/XXXX ... changed to collection and then back to 180 days late. DO I HAVE TO SUE TRANS UNION TO GET THEM TO OBEY THE LAW? 
Please pay attention to the historical payment detail attached and force Trans Union to obey the law. 
You folks really should publish this one. I understand this manipulation of account status is the number one way companies keep things on people 's credit reports for the rest of their lives.
Consumer complaint received 2017-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

The Atty. at XXXX XXXX XXXX XXXX XXXX, refuses to call or write back to me up to this point. I have repeatedly called and texted him, and his associates..!! They forced me into signing an Illegal settlement agreement that I was total against, from the beginning..!! I was told that if I did not get it signed and notarized that the Lender would not help me and foreclose immediately.! They are claiming that they did n't receive any of my necessary paperwork.!! I have sent it to them twice already and faxed to the lender many times in the pass with no reply.. At this point I believe they have been paid off and can careless if I can get my loan mod. re-instated or restructured or not! which is not fair too my Family!! I have been television for this situation! and thought it was settled.!! THE XXXX XXXX XXXX XXXX.!! They are letting the clock run out on me, on purpose.. They wont tell me who to talk to at my lender..I have called the opposing counsel, the want respond to me.. my lender say they cant talk to me, because of the lawyers ...! If this is not resolved before my sale dated I will have to file a LAWSUIT ON BOTH MY LAWYER AND THE LENDER..BECAUSE I DONT HAVE A CHOICE..!
CAN SOMEONE PLEASE SEND THIS TO BOTH XXXX XXXX/ OF XXXX XXXX CA .... NATIONSTAR MTG..OF TEXAS ...!!
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

the Credit Reporting Agencies are showing a judgement for treatment at hospital. I have NEVER been treated at XXXX 's XXXX XXXX ( Hospital ) and I provided them with evidence to proving that the debt does not belong to me. I pay my bills on time and have good credit other than this judgement. I need the CFBP to assist me to get this off my credit, it 's a terrible that the Credit Reporting Agency are allowed to report information that WRONG. They should not be allowed to have such a terrible impact on Responsible Consumer lives. I am relying on the CFBP to assist me to get this resolved. 
Thank you in advance for your assistance.
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (LA)

In XXXX, 2006 we refinanced our home and paid to have paymentsscheduled for every XXXX weeks. This has occurred through severalservicing companies. I was notified JPMorgan Chase has boughtthe loan and they will not accept my payment schedule. They willonly accept monthly payments. As of today they could not even tellme how much I owe per month or my due date. How can a mortgagecompany change the terms of my repayment? This is unfair and willkeep me from paying down my mortgage faster. They will only acceptadditional principal payments with the monthly payment. It can not evenbe sent at a different time. My next payment is due with the old servicingcompany on XXXX XXXX and Chase " thinks '' my next payment with them isXXXX, but they do not know for sure or for how much. This could create afinancial hardship if it is in fact a whole payment due a few days later. 
Even though they think the payment is due on XXXX XXXX, they will not evenaccept payments until XXXX XXXX. How can I pay my mortgage on time andavoid negative credit history, if I do n't know when it is due or how much? 
the mortgage