davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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)

Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter the eighteenth attempt to address this matter, I want to stress the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$4000.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX {$7700.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6600.00} US DEPT ED XXXX Balance Owed : {$9000.00} XXXX XXXX XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

On XX/XX/year> I asked Mohela why they were putting my monthly payments towards the loans with the lowest interest rates when i was using autopay? Mohela wouldnt get back to me and put me into a phone loop that never let me talk to an actual human. Sense they were putting my payment towards the low interest rate loans my balance wasnt moving as much as it should have and the higher interest loans were growing way quicker.
Consumer complaint received 2024-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have requested investigation that my credit report is inaccurate. Investigation came back as un-verified XXXX XXXX account and its NOT on my report and has been deleted, but this in fact still remains being reported on my credit file. I have attached feedback response this is to be deleted immediately!
Consumer complaint received 2024-08-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (WV)

Midland credit management letter was sent XX/XX/year> over XXXX $ debit buyer with a closed account status XXXX XXXX XXXX letter was XXXX over a {$980.00} debit buyer with a closed account status Both were sent debit validation letter requesting assignment contract via certified mail both companies received letters of validation with no response only calls of harassment to collect the closed account status debt
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i have demanded that Bank of america cease and desist from contacting me about this debt. If this debt was in deed charged off as bad debt. i demand to copy of the 1099c. provide the copy of the 1099c document. if in deed it has been charged off your books. otherwise you have an open account on the banks accounting books as an open asset. that s a violation of the regulation of your charter. Misrepresentations and misleading information is a Federal violation of consumer rights like me. Furnish the 1099c form. stop committing fraud. Stop violating title 18 U.S. Code 894- Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

violation : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2024-07-17
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. (WI)

As I've Stated. I Demanded To All These Fake Credit Agencies That ONE Name. And One Address Be Used On My Report. 

( XXXX XXXX XXXX XXXX!!! ) XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wi. XXXX. 

So Why When I Went To Obtain A Free Copy Of My Credit Report, Yesterday ; They Had EVERY ADDRESS I'VE EVER HAD GOING BACK TO 2002!?!?!?!?!?!?!?! 

And Your Response : XXXXYou Should Hear Back Within 60 Days ... '' They DON'T HAVE 60 DAYS!!! THEY HAVE 30!!!!!! Furthermore, They've Already Used Over A Year, Ruining My Score And Wasting My Time While You Did Nothing. 

As Per The Fair Credit Reporting Act, Each And Every Address Which Is Not My Current Address And All Connected Accounts Should Be Immediately Deleted. From My Credit Report. 

I've Also Asked That Every Single Debt, Or Account Older Than 7 Years Be Removed From My Credit Report As Well. I'm A CEO With XXXX Companies In Total. 

I Don't Have Time For This Childishness. Anything Negative On My Credit Report In The First Place, Was Likely A Product Which I Returned, Such As A Cellphone For Instance Or Another Service, Which Was Not As Advertised. I Handle My Business. But If You Think You're Going To Cheat Me, Or Give Me Substandard Service. I'll Return Your Product. Nothing Wrong With That.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (IL)

I tried 5 times to open a savings account online BMO ALTO. Every time my application was rejected with absolutely no explanation. I then phoned customer service. I was told they could not provide me a reason why my applications were rejected, but I was free to try again. I asked to speak to a supervisor but they said nobody was available and did not offer to call me back at a later time or anything, just basically " too bad ''. 
Ridiculous. I've been a customer of BMO Bank for over XXXX years, have all of my checking/savings accounts with them and a XXXX credit score. Now I'm trying to take advantage of their higher rate savings through their new online banking " BMO Alto '' and the customer service if terrible. Why won't they at least provide a denial explanation? I've also escalated my concerns with BMO Bank management with no response. 
This is extremely disappointing!
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

In XXXX and in XXXX of 2024 I discovered cash withdraws from a non T.D ATM within an hour after I made a withdrawal in my home city of XXXX, XXXX 
I contacted T.D Bank, they told me they will refund me my funds and I needed to get a new debit card which I have done. 
I noticed 20 days later the funds were still not in my account. 
According to the operator when I called T.D they said their investigators said my cards chip was used in XXXX XXXX so it had to be me. 
I can not be in two places at once so this was not me, so their denying my funds until I make a police report in which I have done but no funds.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America would close out XXXX checking account, but is not providing me the reason behind the closure other than terms and condition. They would tell me to read the terms and condition rather than tell me that the account is closed. They do not care about people with XXXX. They care about XXXX against people with XXXX. That is all they care about. They do not tell me the real reason behind that. Bank of America would do things behind close door and do everything in their power to hide why the account is closed. They have not provided me with notice. When I asked the supervisor XXXX or XXXX as to why the account is closed. They would withhold information instead. That is what they care about. Bank of America does not care about their customer even though it is business decision. They tell me to figure it out on my own with the terms and conditions that I agree and understand. They refuse to provide more information. They decide to hide the information from me. That is what they do.
Consumer complaint received 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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, 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 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 2015-03-25
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MD)

In XXXX I was approved for a XXXX through XXXX. Prior to closing, my Loan Officer went over final numbers which included a $ XXXX/mth XXXX option, and a $ XXXX/mth XXXX option. Just to my surprise, I notice after receiving my first bill that the XXXX option, which was the interest only payment, was not the numbers that the Loan Officer quoted me. I contacted the Loan Officer who went back over closing numbers and he again agreed that the numbers he quoted were correct according to his mortgage calculator. 

The Loan Officer later contacted a representative from XXXX who had already sold the loan to XXXX to see why the numbers had adjusted. According to XXXX, the rates had adjusted prior to closing and was never locked. Prior to closing, my Loan Officer said that I had the option of refinancing out of the loan with no additional closing cost or fees at anytime. Within the XXXX 6 months after closing on the Pay Option Arm, I decided that this mortgage product was very costly and decided to refinance out of the loan only to find out that pre-payment penalties were attached to the loan ( Pay Option Arm ). Negative Amortization was never explained to me prior to excepting the Pay Option Arm nor the pre-payment penalties. 

In XX/XX/XXXX, my loan was sold to XXXX XXXX XXXX. Due to the negative amortization, my loan was no longer affordable. I had exhausted the minimum payment option and became financially crippled. Not only was I not able to pay my mortgage, I also felled behind on my other household and financial obligations. This caused a major distraction in my marriage. In XX/XX/XXXX, my wife and I decided to separate. In XXXX XXXX, I decided to file a chapter XXXX bankruptcy because of the financial obligations that were left behind after my separation and I could no longer afford to pay my mortgage. In XXXX XXXX, my wife and I were granted an XXXX divorce by the state of Maryland. 

Many attempts were made to refinance or modify loan through XXXX XXXX XXXX but never could come to a mutual agreement on the terms. In XX/XX/XXXX, XXXX XXXX XXXX sold the loan to Nation Star who is now the current note holder. I have been approved for XXXX different modifications but I am not willing to accept any of the terms because of the delinquent payments that they want to attach to the loan. 

I have all of the original loan docs and they are available upon request. I was clearly a victim of predatory lending an unfair practices. Currently, I have an interest in the property and would like to continue living in the XXXX XXXX community so that I can raise my daughter in the community that has embraced her and has contributed to her well being.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$7800.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I submitted a claim that stated My account was on hold XX/XX/XXXX XXXX funds were unable to be accessed. I have tried multiple times to get my money that is in account. Branch and customer service said funds were being held and account is in process of being closed due to fraud. Direct deposit from my boyfriend was being deposited into my account for about 6 months, my bank was initially Union and transferred to US Bank, however Union did not inform me I couldnt get direct deposit in his name. So my account was closed ( XXXX XXXX ), I have funds in my account that are being held. My account is closed and has been for 2 months. My funds should be returned back to me. I have tried customer service and going to branch in which they stated they have no information to get back to me at this time. - end of statement The companies response was to go to the bank and get my funds released to me, however the branch manager has not done so and refuses to give reasoning as to why he can not release my funds. I have provided all information needed for him to very these funds. I have left my number with him and he has not responded with all the times I have called. I can verify these funds and he refuses to give reason or attempt to release the funds. I have called payroll like he asked to see if the funds can be returned back, but payroll stated it would have needed to be returned within 5 days of the deposit. However, the deposit was over 2 months ago. If the bank had gave us any type of information or help we could have did this in the first place, but the bank had no information or help for us and turned their heads to help. My funds are due to me and I can verify them. I will not stop filing complaints until this issue is resolved. ESPECIALLY since there is no reasoning given to me as to why they can not verify my funds. It has been well over 2 months.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 2024-08-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Improperly closed complaints, as was documented on each. 
XXXX XXXX XXXX XXXX XXXX As amplifications on all and complaint, approximately 20 request shave sent o Fifth Third bank personnel, With repetitive erroneous comments on the interest owed ( ( as described ) The latest letter/fax was sent to the CEOs office of XXXX XXXX XXXX ( attached ) All the above should be added to this complaint ( and the prior improperly closed complaints AND pursued by the FDIC with Fifth Third Bank and published accordingly.
Consumer complaint received 2024-05-20
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)

XXXX XXXX XXXX XXXX is inaccurate fraud account and shall delete from my credit report by LAW. 

This account number XXXX with a balance of {$27000.00} shall delete as agreed by the creditor. 

This is not my account and the creditor agreed to delete it from my credit report by LAW.
Consumer complaint received 2023-11-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (CA)

I recently looked at my consumer report on XXXX, XXXX, and XXXX. I seen that a Mercedes-Benz financial has been reporting missing months of payments. These multiple missing months of payments almost look as if they were late payments or payments that were never there. I reached out to Mercedes-Benz financial and asked them to correct this information on my consumer reports they told me that it seems to be showing correctly on our end, and that you would have to reach out to experience XXXX and XXXX, but upon reaching out to experience, which did a dispute, they werent able to get the correct information. Theyre still reporting it incorrect as well as XXXX is reporting the incorrect as well as XXXX has been reporting it incorrect. They need to update the way that theyre reporting it via metro to compliance. They are violating metro compliance either they corrected or remove it from my consumer reports completely. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.

15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting.

15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15USC 1681a ( d ) ( 2/A ) i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information... The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I asked XXXX Mercedes-Benz , correct the payments that are missing from my consumer reports. Which are XX/XX/2023 XX/XX/2023 XX/XX/2023
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.