davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC (WA)

I paid an extra mortgage payment years ago. I called and paid it over the phone to XXXX so that I would be an extra month ahead. I told them to apply XXXX payment to the current month and apply the second payment to the next month. The following month I got a statement showing I owed for that month. When I called they said they applied both payments to the current month. I stated I did not want & I did not have the funds to make XXXX payments that is why I applied to the next month so I could always be ahead and current. They said they would fix it and apply that extra one to the next month & take off the late payments. I never received statements in the mail from that point forward and no one ever called saying I was late. I paid at the end of the month for the next month. So making on a payment on XX/XX/XXXX to be applied for the XX/XX/XXXX due date. Little did I know paying the XX/XX/XXXX was for the XXXX payment. So they were applying a late fee every month. Thank XXXX I never paid past the end of the month or I would have had a late on my credit. But when I called every month to get this fixed they assured me the late fees would be reversed and they would fix it. THEY NEVER DID! I always spoke to a manager and I know they record their calls. I demanded they listen to the recordings to show they messed up and took my 2 months of payments and applied them wrong. AGAIN everytime I called they said they would fix it. Then they sold my loan and NEVER told me. I was paying the old place XXXX and they sold to Roundpoint. They apparently moved my payments, lost them and never even called me to tell me my money was going to the wrong place. I was told it is the LAW to send me notice that my loan was sold. The only way I even knew it was sold was that I was buying a new home and my lender stating i had a new loan of Roundpoint company showing up on my credit and he was asking what it was. If i hadn't been buying a new home I would have never known I was paying the wrong company. Thank goodness again not reported to my credit. But now since it was sold and I was buying a new home I was REQUIRED to pay those fees that XXXX said they would reverse or I wouldn't get my new home. This is totally illegal and want XXXX to give me back that money they took wrongly. I know I was being recorded, so I know there is record " SEVERAL '' of them saying it was their error and it was to be taken off. Instead I paid {$1500.00} worth of wrong applied fees. I WANT this given back to me. These companies should not be allowed to take advantage of us. Please listen to the recordings and get my money back. THANK YOU!!!
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: United Revenue Corporation (TX)

XXXX was notified of my reported identity theft on XXXX. 
The FCRA requires credit bureaus to block reporting of information in your credit file that you allege resulted from an identity theft, within four business days after your notification to the credit bureau. 
XXXX did not remove the account and did not respond until XXXX. Stating that the account was validated. I take this as intentional taunting and willful negligence by stalling as long as they were allowed. In this closing response they stated " a results summary '' was sent to me on XXXX which I have no record of and it was not what requested, nor was the account removed after receiving the FTC identity theft report # XXXX ( Exhibit A ) listed in CFPB report # XXXX ( Exhibit D ). 

XXXX UNITED REVENUE CORPORATION was notified by mail of the request for validation pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. 
UNITED REVENUE CORPORATION did not respond within the 30 days per ( Exhibit F & G ), nor did they provide validation pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. 
Additionally, UNITED REVENUE CORPORATIONS is violation of the Texas Collection Agency Act ( TDCAA ) and the Texas Debt Collection Act ( TDCA ) which requires that collection agencies, debt buyers, and attorneys, who engage in the collection of consumer debts, be licensed and bonded by the Texas XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( Exhibit H ). 
I have done all that I can to work with these agencies to remove the fraudulent claim and I am putting these companies on notice of intent to sue.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX i cash a check with merrill lynch sent to me from XXXX and on the XXXX of XXXX XXXX sent te funds to merrill lynch then my account got restricted saying i need to verify myself so i did then on XX/XX/XXXX they disbursed my funds without telling me anything about where they sent them to then they told me i was being sent a check for the remaining balance due to them closing my account, the funds from XXXX cleared from etrade on the XXXX of XXXX and they said they never received them which is not true, XXXX never received my funds back from merrill and they are holding my funds and will not return them saying i did fraud not true the check was cashed and cleared from XXXX .merrill then got the funds that was sent out back and reversed the transfer and ae keeping my funds when a account is closed with a remaining balance they are supposed to be mailed to the account owner and merrill did not do that they are lying and saying they don't have my funds the account settled on XX/XX/XXXX then on XX/XX/XXXX of XXXX and that was cash that settled so my funds were there and i want them back.On my statement it shows they have my money.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC (MD)

I hope this letter finds you well. I am reaching out to you today as I find myself in a rather distressing situation with Early Warning Services , LLC, and I am in dire need of your assistance. 

For quite some time now, I have been tirelessly trying to access my credit report from Early Warning Services a task that, surprisingly, has proven to be more challenging than I ever anticipated. Despite my best efforts in following every procedure they laid out and providing all necessary documents, my requests have been consistently turned down without a justifiable reason. This experience has been quite disheartening and, honestly, a bit alarming. 

Under the Fair Credit Reporting Act, specifically Section 609 ( 15 U.S.C. 1681g ), it's my understanding that I'm entitled to view my credit report upon request. But the continued denial from Early Warning Services has left me in a troubling predicament. Not only am I unable to monitor my REPORT, but I'm also deeply concerned about the possibility of identity theft or errors in my report a fear that only grows with each passing day of non-compliance from their end. 

What's more, their inability to confirm my identity, despite me providing ample proof, raises a red flag about the accuracy of their data. This situation is not just about accessing a report ; it's about ensuring the integrity of my personal information. According to Section 611 of the FCRA ( 15 U.S.C. 1681i ), I should be able to challenge any inaccuracies, but without access to my report, I'm left in the dark, unable to defend my financial reputation. 

I've reached out to Early Warning Services multiple times, hoping for a cooperative resolution, but my efforts have been met with silence. This lack of response has left me with no choice but to seek your intervention. I am deeply concerned that there might be incorrect or even fraudulent information under my name that could adversely affect my financial stability.
Consumer complaint received 2024-07-02
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. (GA)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX Account number XXXX Status Account XXXX " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281,715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. '' This account is involved in litigation.

I have been threatened by this company numerous times. 
I also have let XXXX XXXX, Experian, XXXX, and XXXX know that I have been on XXXX XXXX in the XXXX XXXX and have know knowledge of this Account in my name!
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (OR)

I had opened a checking account with Citibank on XX/XX/XXXX and was waiting for the card to be sent in the mail. A few weeks go buy I tried to deposit checks via mobile app but always failed to work so I used my old bank account with a different bank because direct deposit had not worked yet it was taking time and I was being impatient. So it looked like I deposited the check twice to Citibank but I never spent the money and made sure I paid the fees for doing that. Fast forward to XX/XX/XXXX they told me my account was gon na be closed in 60 days. I wasnt able to turn off direct deposit in time to stop them from receiving a paystub ( {$1200.00} ) from the XXXX so I called them and they said to make sure I removed it from direct deposit and I would have to wait XXXX  days until they can mail it back to my address I provided to them. Fast forward to XX/XX/XXXX I called them again asking about the remaing balance because i had not recived an account closure item in the mail detailing why it was closed and the remaing balance that was sent to them. I was then informed by them They are requesting a " harmless claim '' to be sent from the bank/third party sender my employer uses ( XXXX XXXX in order to release the money back to XXXX to be distributed back to me. I informed them there was no legal action I am seeking I just wanted the remaining balance sent to me by mail like it says in their policy. But was told they couldn't do that and hung up.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX
Consumer complaint received 2023-11-06
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. (PA)

I am initiating a formal complaint with the Consumer Financial Protection Bureau in response to an ongoing concern pertaining to my credit report. The crux of the issue lies in the presence of inaccurate information within my credit history, specifically, data that has no relevance or association with me. Despite my proactive efforts to address this discrepancy by reporting the incident to all three major credit bureaus, I have unfortunately encountered a lack of resolution. Consequently, I humbly request the diligent removal of this erroneous account from my credit report, as its continued presence negatively impacts my financial standing and reputation.
Consumer complaint received 2024-07-02
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the multiple attempts made by your organization to immediately remove charge-off account from my credit report. I believe there has been a misunderstanding or an error in this process, and I am seeking your assistance in resolving this matter promptly. 

As a responsible consumer, I have been diligently addressing and resolving my financial obligations. In this regard, I have been closely monitoring my credit report to ensure accuracy and fair representation of my credit history. However, over the past few months, I have noticed several erroneous attempts by your organization to remove charge-off accounts from my credit report without my consent. 

I would like to emphasize that the charge-off account in question are accurate representations of past financial issues. While I understand the importance of credit repair and the need to rectify any inaccuracies on my credit report, these charge-off account is legitimate and should not be removed without proper evaluation. 

I kindly request the following actions to be taken : Cease all further attempts to remove the charge-off account from my credit report until this matter is resolved. 

Provide a detailed explanation of the reasons for these multiple removal attempts and any documentation supporting your claims. 

Review and assess the legitimacy of the charge-off account in question, ensuring that they are accurate and in compliance with all applicable laws and regulations. 

Immediately rectify any inaccuracies or errors related to my credit report. 

Provide written communication confirming the resolution of this matter and any actions taken to prevent such errors in the future. 

I believe in the importance of accurate credit reporting, and I am committed to maintaining a fair and honest credit history. However, I must insist that any changes made to my credit report should be based on accurate and verifiable information. I am asking for your immediate assistance to remove this account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7900.00}.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation.

Remove all requested information and to restore my credit score.
Consumer complaint received 2024-07-02
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 would like to notify the credit bureaus once more that I was the victim of identity theft. Additionally, I would like these items stemming from the claimed identity theft to be removed off my credit file. Credit Bureaus are obligated to remove any items specified in Identity Theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). 
Here is the list of items I wanted to remove once more! 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$1500.00} XXXX XXXX : {$5300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$72.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} NATIONAL XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2023-11-06
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. (NY)

Similar to the last incident that I've reported and probably stemming from the very same issue, i believe that someone else 's account has appeared on my credit and the account was opened at the same time as another previously opened account with a rental property. Im not sure how I can go about getting these removed or getting some proof that this inst me so I cant report it the correct way. My information has leaked on the dark web and experian and various other credit sources have let me know I just wasn't aware of the ramifications of not taking immediate action. Can we please get this removed.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-06
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-02
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX