davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bridgecrest Acceptance Corporation ()

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (GA)

So bascailly Wells Fargo been stealing my money for years why I say they been stealing my money for yearsso today I looked at my account and my ending balance was XXXX dollars for today but all the sudden the charges that I made to the account days ago been post to the account leaving it in negative.. but I always keep a check book with me to know where my account stands always. So its like the pending transactions that already came out for the merchant the bank basically posting it taking another amount like that.. then when ask about it they cant explain it to me. So for example if i had XXXX in my checking account and spent only {$5.00} that that day it will come out the account leaving my balance at XXXX but when it post to the account for some reason Im left in the negatives
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BMO Bank, N.A. (FL)

there are three charges on my statement that were voided bc i paid cash for the transaction there refusing to take my dispute there following XXXX law not american law in violation of the FCBA please help these charges are almost XXXX charges are XX/XX/05 XXXX XXXX XX/XX/05 XXXX XXXX XX/XX/05 XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (RI)

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 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PNC BANK XXXX XXXX XXXX XXXX, PA XXXX PROOF OF LATE PAYMENTS Dear PNC Bank, I am writing to address the reporting of late payments on my account with your company. According to your records, there have been late payments on my account, but I am requesting proof of mailed statements for the dates you are reporting as late. 

As stated in 15 USC 1666 B Timing of Payments, a creditor must be able to prove that a late payment exists. The law states that 21 days before the payment due date, the creditor must send out a notice containing information from section 15 USC 1637 B Statement Required with Each Billing Cycle. This notice must be mailed or delivered within 21 days of the payment due date. It is imperative that you provide evidence that a statement was sent within the required timeframe in order to treat a payment as late. There are certain disclosures that are supposed to be provided 21 days prior to my statement due date. These disclosures are separate from the statement. 
Please provide me with proof of these monthly disclosures you provided. 
Failure to comply with the procedures outlined in the FCRA ( Fair Credit Reporting Act ) has resulted in several violations of my consumer rights. I am in the process of concluding my paper trail before taking legal action. I urge you to update the credit reporting to reflect that the debt is PAID/NEVER LATE. 
I would appreciate your prompt response to this matter and ask that you cease reporting this debt as late until you can provide the requested documentation. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-08-14
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)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15usc1681. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15u.s.c 1681 section 602 A. states I have the right to privacy. 15usc1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15u.s.c1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes antedates the report by more than seven years. 15u.s.c 1681s-2 ( A ) ( 2 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-12
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. (OK)

XXXX/DEPT OF ED Balance {$13000.00} Balance updated XXXX XXXX, XXXX I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 
XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX 2023
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX XXXX I was the victime of identity theft and wells fargo denied my claim i reported it immediately and did everything they asked me to my account was used by someone else i did not give anyone permission or access to my account but i was missing {$5000.00} i want to file this suit immediately to get my money back you can reach me at XXXX
Consumer complaint received 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

ILLEGAL CONVERSION WITHOUT MY CONSENT! 
My signature was forged! This was a violation of my constitutional rights! 
The Bank of America never put up any money, they borrowed money using my signature and converted this transaction from a mortgage loan to shares without my consent or knowledge. These shares have no connection with a mortgage loan so, This was Conversion of a loan without disclosure, Mers transferred title to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I gave them XXXX down and the money taken at closing belonged to me not them and it was taken for 1 ) Tranfer of title2 ) payoff the note3 ) transfer was never satisfied. They wired themselves from the Mers IRA and The Keogh Account that are owed by the State of Louisiana and held on deposit by the banks. 
When the banks said to their counter criminal, how are we going to be paid back? You owe the feds for 20 yrs of budget overrun, go get the homes one at a time! But we owe the owner for the  HUD1 closing for the wires that you stole, The criminal in charge said, Its your problem! 
Mers is the creditor and I am the successor not anyone else, this was a deceptive move with criminal intent, people were too trusting. I am stating a claim on my own behalf and I DID NOT ABANDON my property, trusts, etc. 
it was stolen from me through crooked avenues an this has to STOP NOW! 
facts through evidence of documentation which clearly states that America 's Wholesale Lender is not a corporation that ever existed, and is named on the Deed of Trust. Bank of America wrote the loan and property is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX denied being owner of loan and property yet an Assignment of Deed of Trust was recorded in the Land and County Records. Upon foreclosure of the property, XXXX XXXX XXXX XXXX XXXX filed a recorded deed as owner of the property in order to foreclose. Once they filed the Deed of Record, they were able to take possession of the property and filed a foreclosure. XXXX XXXX XXXX XXXX XXXX was the buyer at Auction. Why would you purchase the property if you owned it to begin with. Im now out of my home by force of the state, unlawfully, the banks put up no money, I signed my name then they converted it to a securitized mortgage of which I wasnt informed in writing and now receiving a XXXX tax bill showing this is a tax situation of shares that I did not abandon or receive any residuals. The public deception here is of the highest. Im requesting my property back through Escheat. I am demanding my XXXX back and treble damages for my pain and suffering. I am forwarding this to the President of the United States, DOJ, And Governor of Louisiana, I dont care who I forward it to, you will get my money and home back!!!!
Consumer complaint received 2024-08-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX2024 I deposited a check in the amount of {$27000.00}. On XXXX XXXX, 2024 I checked my account and it stated the funds were available. I withdrew the amount of {$2000.00} on XXXX XXXX, 2024. On XX/XX/XXXX2024 I checked my account and noticed the bank had frozen the cashier 's check for {$27000.00} after the funds were already released. This caused several of my payments to creditors to be reversed which caused a lapse in my payments and possible legal action against me from my XXXX. 

I called the bank and spoke. The check was a cashier 's check from XXXX XXXX XXXX XXXX. 

I needed the money to pay bills and go on vacation. The bank told me my funds would be available on the XXXX of the month. 

I do not have a debit card with my savings account and needed to transfer money to other banks that I did have debit cards for to access my funds while I was on vacation. my XXXX bank account to capital one. The bank account was verified with XXXX deposits from capital one. I then did a transfer for {$800.00} and capital instead sent a deposit of XXXX cent instead of the transfer of {$800.00}. I also tried to do several XXXX payments to family and the account said that it was blocked because of unusual activity. I called capital and they stated over the phone that the account was flagged for fraud. They asked me to verify my account by uploading my ID though a link and I did however capital one continue to block all my transfers with banks and with XXXX and with a wire transfer to my daughters ban. Someone by the name of XXXX stated that she was calling me about the wire transfer and was asking me all types of question about who was sending the money to and who this person was which was intrusive and unnecessary. I asked to a supervisor and she stated the transaction would be on hold until I spoke with XXXX. 

I am asking that you investigate this matter because I have an ex- works for the XXXX XXXX has been causing trouble in my life and believe this person is calling the bank making fake fraud claims. 

The person by the name of XXXX in the email is the person who is taking it upon herself to block my account. 


XXXX XXXX Account ending in XXXX Brith date : XX/XX/XXXX1975 Address : XXXX XXXX XXXX XXXX XXXX, MD XXXX Phone number : XXXX
Consumer complaint received 2023-09-19
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: Westlake Services, LLC (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional XXXX that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Last XXXX I mailed XXXX checks to my business supplier in XXXX, California from XXXX, CA. Somewhere, while in the possession of the US Mail, my checks disappeared. One of those 2 checks went through my corporate business bank account twice on XXXX XXXX, XXXX, in the same exact amount of {$4800.00} but with a different name in the Pay To The Order Of area. It was then that I realized we were a victim of check fraud totaling {$9700.00}. Chase is the bank that cashed those checks on the same day. It was done by check washing and mobile deposits. I filled out the affidavits requested by the cashing bank and gave all supporting documents necessary. It has been 10 months since I filed a fraud report with the assistance of my bank and we still have not received our money back. My banker is telling me that they keep contacting Chase Bank and that they are not responding properly.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (SC)

This company has negatively impacted my credit and I'm unaware of this debt. I do believe it's the same debt that argon agency was falsely placing on my credit that's been removed and now this random company is posting the same debt. I'm not sure if this is the case or not because I haven't received any contact or notice from MEDICAL DATA SYSTEMS I
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I've logged into the Transunion website on several times over several days to confirm that I have a credit freeze. When I do the website responds with " Sorry, we're having trouble showing the status of your credit freeze right now ''. 

How can I manage my finances properly if they won't communicate with me.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Unable to login to existing Transunion account or create a new account due to error on website " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. '' Due to being unable to login, I can neither view my annual credit report nor freeze/unfreeze my credit on their services.
Consumer complaint received 2024-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

My employer contributes {$200.00} per month towards my student loans on the XXXX of every month. My total payment is {$440.00}. My due date is the XXXX of every month. I have paid my share of {$240.00} on time and it has posted, MOHELA has yet to apply the {$200.00} forcing me into delinquent status with a past due balance of {$200.00}. 

MOHELA abruptly changed platforms and provided me with updated account information on XX/XX/XXXX ( after the {$200.00} payment was submitted ). I called on XX/XX/XXXX to inquire about the missing payment and my options. I was informed that the payment was received and showing in the old account as received XX/XX/XXXX and would take up to 90 days to transfer to the new account. 

I find it unacceptable to be forced to make a double payment for money they have acknowledged has been received. In the era of electronic payment systems, 90 days represents poor stewardship of borrower funds. 

I have been forced to decide between delinquency and forbearance ( both of which have a detrimental impact on my pursuit of Public Service Loan Forgiveness ). MOHELA has put many other borrowers into an automatic administrative forbearance to provide time to process the transition ( which does not impact PSLF ), but I have not been afforded such opportunity.
Consumer complaint received 2024-08-02
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: EQUIFAX, INC. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (GA)

This company shared my personal information with the three credit agencies without my permission. Upon signing they did not provide me any disclosures and I did not sign anything giving them permission to share. There information is appearing on my credit report fraudulently.
Consumer complaint received 2024-05-31
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Shellpoint Partners, LLC (MI)

We had a balloon mortgage with Shellpoint Mortgage Services. The balloon expired and they did not notify us or give us an opportunity to refinance. They put our house in foreclosure. They did not notify us of that either. The only way we were informed is when we were contacted by an attorney to help with the foreclosure. Because they put us in foreclosure, our credit report reflects that and now we can not get a loan. Shellpoint is putting our house up for auction. We fortunately have a lot of equity in the house and were told by many lawyers and real estate agents that some mortgage companies do this to get the equity.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Systems International, Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.