davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I am writing to express my extreme dissatisfaction and concern regarding the egregious mishandling of my identity theft case by XXXX, Experian, and XXXX. It has come to my attention that, despite being a victim of identity theft, each bureau have erroneously reported fraudulent addresses on my credit report, causing significant harm to my character and financial standing. 

This blatant oversight not only demonstrates a shocking lack of attention to detail but also suggests a complete disregard for the gravity of identity theft and its aftermath. The impact of these inaccuracies extends far beyond mere inconvenience ; it has tarnished my reputation and subjected me to undue financial and emotional distress. 

I expected, at the very least, a meticulous and responsible approach to rectifying the aftermath of identity theft. Instead, your bureau 's actions have exacerbated the damage, leaving me to question the competence and integrity of your organization. 

I demand an immediate and thorough investigation into this matter, along with the prompt correction of the inaccuracies on my credit report. Additionally, I insist on a detailed explanation of the steps your bureau will take to rectify the harm caused to my character and creditworthiness. 

Failure to address this matter promptly and adequately will leave me with no choice but to explore legal avenues and escalate this issue through relevant consumer protection channels. 

I trust that you will treat this matter with the urgency and seriousness it deserves. 

Sincerely,
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A bequeath OF XXXX XXXX XXXX  made out to a tribal member of " XXXX XXXX XXXX OF TEXAS '' XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/2023. 
I have went to Bank of America on several occasions, Only to be told to contact customer service. I then contact customer service, Only to be told to go back to my local branch.
Consumer complaint received 2023-07-14
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-11
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: EQUIFAX, INC. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My XX/XX/XXXX house payment went up {$900.00} without my prior knowledge. Literally the day before I was set to make the payment, XX/XX/XXXX, my husband got an automated call about the account, although, nothing specific was stated. 5 days after the payment is technically due. Turns out the escrow account was empty because Nationstar gave us back the money in the escrow account and lowered the payment by {$400.00} one year ago. After doing their escrow analysis in XX/XX/XXXX,  which was n't much of an analysis, considering we had lived in the house 9 months, they did n't take into account the fact that it was a new purchase and the taxes were going to increase. I had already paid the supplemental tax in XX/XX/XXXX of over {$4000.00}. If I had any clue that it was a mistake I would have called but I thought that perhaps they had collected too much when we closed our loan in XX/XX/XXXX because so much money is taken from you, honestly. Nationstar ended up paying the increased taxes ( {$5900.00} split ) in XX/XX/XXXX and XX/XX/XXXX but did n't tell me that the escrow account was severely depleted. Now I have to borrow the money to replenish that escrow account otherwise the new payment would be a burden. Any time they could have told me. I realize I could have looked at the statements but everything is done online and it 's very user friendly, very simple to pay without looking at the statement. I had no reason to believe I needed to double check anything. No one called, no one emailed, there were no alerts on the account. Also when I spoke to them over a week ago they told me they were going to send it to an escrow research dept. I just spoke with them and there 's no record of that. What kind of way to do business is this? I did n't know, but they should have known and could have been, at the very least, courteous enough to let us know, instead of dropping it on us like a XXXX. Badly done Nationstar or XXXX XXXX.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-08-17
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Nationstar Mortgage company utilizing champion mortgage as its servicer. Upon my mother 's XXXX I attempted to utilize the short pay process to buy the home. I am the son and administrator of the estate. During the course of the short pay process the mortgage companies proceeded with a foreclosure action and in violation of federal laws and mandates prohibiting the same, applied for and obtained a judgment of foreclosure and sale date which has been extended to X/XX/17. While I have attempted to pay off the balance of the mortgage the companies refuse to set forth any detail of the amount owed. They are charging thousands of dollars for a homeowners insurance policy without my knowledge and concern and during which time I always had such a policy in full force and effect. They are also charging many hundreds of dollars for interest on the insurance policies and for property taxes ( not otherwise owed, either ) because it was paid. THEY ARE STEALING MY HOME AND THE FEDERAL GOVERNMENT MUST IMMEDIATELY STEP IN AND STOP THEIR ACTIONS. ONLY AFTER THEIR OBTAINING A JUDGMENT OF FORECLOSURE AGAINST ME AND PUT THE PROPERTY UP FOR SALE DID THEY DENY MY SHORT SALE PROCESS OR " LOSS MITIGATION PACKAGE ''.
Consumer complaint received 2023-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

XXXXDebt Validation letter mailed to Portfolio Recovery Associates , LLC requesting original signed contract from the original creditor, verification indicating a valid basis on their claim. Proof of of their debt assignment, and whether debt is within the statue of limitations. After receiving a statement from them and a copy of letter they were to have mailed out in XX/XX/XXXX ( Which no letter was ever by them w/ their dates listed. ( I did not hear anything back from the company w/ in the XXXX  day allotted time ). 

XXXX Sent an addt'l letter to the company indicating since they did not supply the requested items from the letter back in XXXX they had to by law remove the erroneous report off all my credit reports. Also, on the same date I reached out to XXXX to request this to be removed since the company did not supply any records to me at the allotted time of XXXX  days. Yet received a statement from the company dated XX/XX/XXXX, telling me I had to pay them money for an account I already disputed wasn't mine and I was never sent anything from them. 

XXXX Sent an addt'l letter to the company requesting proof of debt and again the original signed contract agreement w/ my actual signature. 
-No communication from the company for months, yet received notification that a mark was placed on my account by the company indicating " consumer disputes and has no knowledge of debt ''. 

XXXXReceived notification from mortgage lender that same company is reporting this same erroneous debt twice ( doubling the amount they are trying to collect ) on XXXX, XXXX, XXXX and XXXXXXXX XXXX XXXX. 

XXXX Sent an addt'l debt validation letter to the company certified disputing the charges, and request original signed authorization of my signature and request for them to stop collection charges and reporting erroneous charges as this is damaging my credit. 

XXXXReceived notification from post office in VA the company refused ( after checking if company received my mail ) to sign for my certified mail, and I had until XX/XX/XXXX to have it redelivered. I went back into my local post office to inform them of this and the manger sent an email to the manager at the post office in VA to let them know they needed to redeliver the mail by law and obtain a signature. 

XXXXReceived mail from the company, w/ statements of the use of card opened in my name illegally. This company still failed to provide me an original signed contract w/ my signature and no photocopies of this original contract. They still have failed to comply w/ the requested items on the debt validation letter and send me a statement.
Consumer complaint received 2023-05-03
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. (AR)

XXXX EQUIFAX AND XXXX ARE IN VIOLATION TITLE 15 US CODE 1681 1681 A 4 A CONSUMER 'S RIGHT TO PRIVACY 1681 B CRA 'S MUST FOLOW REASONABLE PROCEDURES. MUST BE FAIR AND EQUITABLE TO THE CONSUMER 15 USC 1692A INVASIOINS OF INDIVIDUAL PRIVACY PLEASE REMOVE THE FOLLOWING ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS REPORTING ARE A VIOLATION OF MY RIGHT TO PRIVACY I HAVE A RIGHT TO PRIVACY THE UNAUTHORIZED WAY THESE ACCOUNTS HAVE BEEN BEING REPORTED IS NOT FAIR AND EQUITABLE
Consumer complaint received 2017-08-23
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC (TX)

I received a letter from the law firm of XXXX and XXXX in XXXX Texas stating that my mortgage with Nationstar Mortgage was past due and near foreclosure. This information was not accurate and immediately faxed a request for them to validate the debt information as per my rights under FCRA and FDCPA. The fax was sent on XXXX/XXXX/XXXX ( fax confirmation attached ) and I have yet to hear a response from the company. They continue to report the mortgage as past due and in foreclosure despite the account being paid in full in XXXX. I was recently denied a car loan because of their false reporting.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NV)

Last month, I was charged {$14.00} by Experian Credit Monitoring Services for their credit monitoring system. I never signed up for this service. In fact, they charged my brand new checking account that in no way was given to them -- not even all of my bills and subscriptions have my new account yet. 

I actually deleted my membership account on XX/XX/XXXX ( confirmation email attached ) because I have credit monitoring for nearly all major credit cards. I, myself, never enrolled in their service and never got a confirmation email of the paid enrollment. So not only was it not actually deleted, but somehow I was automatically enrolled and charged for the credit monitoring service. 

I called them and their automated system does not have a pathway to dispute membership charges or even information on how to delete the account. I asked for an agent dozen and dozens of times and was told by the automated system that I only can speak to an agent for specific things ( what those were, they never said ), even though it's within their business hours. I can't even remove my debit card information from their site so it doesn't happen again. 

So I am filing this complaint not because of a fraudulent charge, but because they never actually deleted my account, and somehow got my brand new checking account information. Why would I update my billing information if I thought I deleted my account in XXXX? 

I sent them an email, so hopefully I am able to get some further information, but I am disgusted that I am now a consumer with one of these nightmare experiences with a large corporation. Thank you for reading and accepting my complaint. Please let me know if you need any additional information. 

I have attached the email that confirms my account deletion in XXXX. A screenshot of my Experian existing account, which shares the same email of the account that was supposed to be deleted ( showing they never actually deleted my account ), and the charge that occurred in XXXX. 

Thank you for receiving my complaint. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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. (CA)

XXXX XXXX has been in constant violation of the FCRA. They have reported a credit card account to my credit report that is a result of fraud and I claim no responsibility to. Not only that but they have maliciously and intentionally been reporting incorrect data. After being made aware of the account I requested it be closed in XXXX. XXXX XXXX has been maliciously defaming me and my credit by reporting data thats is not correct they have reported data as 30 days, 30 days, 30, days, 60 days and 90 days. Which is incorrect reporting. XXXX XXXX has failed to send debt validation as well. All credit bureaus are aware of these violations. 
Reporting Act ( " FCRA '' ), 15 U.S.C. 1681, et seq., or for violations of the California Consumer Credit Reporting Agencies Act ( " CCRAA : ), Cal. Civ. Code 1785.1, et seq.
Consumer complaint received 2023-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Money from my debit card was being withdrawn from the local ATM consistently from XXXX without my permission totaling to {$3600.00}. I was at work and I received multiple text messages from Chase notifying me that money was being withdrawn at the time. When I was notified, I immediately called Chase with the number that was on found on the back of my card and filed a claim. I discovered that the withdraws took place from my local Chase bank ATM when looking through my account statement. Chase denied the claim stating that the ATM location is in my neighborhood and I have used that exact ATM in the past 6 months, thus they deemed that charges were valid.
Consumer complaint received 2023-06-26
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. (TN)

There are FRAUDULENT items on my credit report ( XXXX XXXX XXXX, XXXX XXXX XXXX ). I do not have any idea regarding these fraudulent accounts on my credit report. I am submitting a complaint regarding this fraudulent items and for assistance to REMOVE them from my credit report immediately.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I have sent multiple emails to the client care rep at Bank of America with no response. Below are my attempts to get in contact with someone as well as how I was treated by customer service. They said I would not be able to open a savings account at Bank of America 'for the rest of your life. ' See Below : I sent an email voicing a complaint that BOA refused to open a savings account for me 'for the rest of your life ' according to XXXX operators I spoke with. I have been a BOA costumer since XXXX to present and never received such negative treatment. Today, a person by the name of XXXX sent me a message assuring me that I would be contacted by someone at XXXX. XXXXXXXX XXXX message was deleted from my account. The person I reached at the number XXXX gave me is not a bank. They had no clue what I was talking about. 

All I have asked is to start a savings account. I live in XXXX  and the closest BOA brach is XXXX hours away in XXXXXXXX XXXX 

I them received an email from someone to call a number in response to my concern. By the time I opened my phone to call the number, the email had been redacted and disappeared. 

You are illegally ignoring my concern leaving me no choice to report you to the FDIC, go through the Federal Reserve 's Complaint process, and essentially ask for advice from a bank fraud examiner. 

I simply would like to open a savings account. This is a mature, professional matter that I expect you to treat as such. 

XXXX XXXX XXXX, XXXX, XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXX, XXXXXXXX XXXX  Subject : Update Savings Account Denied To : XXXX Cc : XXXX Hide quoted text I sent an email yesterday voicing a complaint that BOA refused to open a savings account for me 'for the rest of your life ' according to XXXX operators I spoke with. I have been a BOA costumer since XXXX to present and never received such negative treatment. Today, a person by the name of XXXX sent me a message assuring me that I would be contacted by someone at XXXX. XXXXXXXX XXXX  message was deleted from my account. The person I reached at the number XXXX gave me is not a bank. They had no clue what I was talking about. 

All I have asked is to start a savings account. I live in XXXX  and the closest BOA XXXX is XXXX hours away in XXXXXXXX XXXX 

If you all will not help me, I have no other recourse than to report you to the Federal Reserve. I have been lied to, pushed off on someone who isn't even a bank, and asked repeatedly for help by BOA. 

I will give you until XXXX XXXX  on XX/XX/XXXX to resolve this and open a savings account for me. Otherwise, I will report you to the Federal Reserve and anyone else that can enforce you to answer me promptly. 

I expect a prompt, truthful reply XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2023-07-23
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)

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 2023-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pollack & Rosen, P.A. (FL)

On XX/XX/2023, Pollack & Rosen , P.A . filed suit against XXXX XXXX naming XXXX XXXX, XXXX as the Plaintiff Case Number XXXX XXXX XXXX XXXX. 

On XX/XX/23, Defendant requested a " Verification of Debt '' in response to a letter received by the Defendant. No response was received. 
On XX/XX/2023 Plaintiff 's attorney filed a generic civil suit outlining little facts as they directed related to the alleged debt.

On XX/XX/2023 a summons was issued.

On XX/XX/2023 Defendant responded to the suit.

On XX/XX/2023 Plaintiff 's attorney filed a generic response to defendant 's response. 

Plaintiff 's attorney has failed to any documentation that the debt is valid and has violated Federal consumer Protection laws by filing this clearly generic suit as a means to intimidate and threaten.