davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

I got a copy of my credit report from Experian and found inaccurate information listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as XXXX. Public Records cant be validated due to the FCRA Privacy Laws. If Experian cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy if the Bankruptcy Court and other agencies dont verify Bankruptcies? This bankruptcy needs to be removed from my credit within 30 days for violations. If not, litigation will be pending and complaints to the MN Attorney Generals office, Federal Trade Commission and more complaints to the CFPB will be filed.
Consumer complaint received 2021-01-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX, after finishing my on line billing i noticed my savings was low so i checked my statement on line and noticed 2 wire transfers and peoples name that i dont know and numbers on my account i do not make wire transfers ... ... right away me and my husband went to the bank and reported the bank rep called the fraud department to reported and to close that account. After 1 hr of being there he notices another withdrawned being made he did not stop also he check our personal information and our phone numbers were changed to some out of state numbers our numbers were removed claim was put thru after answering all questions from the investigator we received a letter closing my claim stating i gaved permission for the transfers which we explained we did not so we see the manager and she puts in another claim with different department after that investigation came back denied that it shows came from my computer ... ... .at this point no written explanation was given to us about the wrong accused and being investigator thanks so much let me know if u need information from us
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (GA)

Credit reporting agencies, they are refusing to do a proper investigation, Pursuant to 15 usc 1692 ( g ) also these agencies have Traffic my personal identifying information, according to 18 usc 1028 ( 12 ) ( a ) ( b ) By law I have a right to privacy, according to 15 usc 1602, I have a right to the pursuit of Life, Liberty, and happiness,
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PENTAGON FEDERAL CREDIT UNION (NC)

I've had a credit card with Penfed Credit Union since XXXX. As a XXXX XXXX XXXX I often go on XXXX XXXX service for long period of times. When I do this I send my credit card companies copies of my orders for them to adjust my interest rate according to the Servicemembers Credit Relief Act. I did this for Penfed in XXXX and they failed to adjust my interest rate. I did this again in XXXX and they failed to adjust my interest rate and charged me a late payment fee that is negatively affecting my credit. I've emailed and called asking them to correct and it still has yet to be done. Please have them refund the difference in interest from the time on was on XXXX XXXX service and have them removed the 30 day late payment they are reporting to the 3 major credit agencies.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing because I recently viewed my credit report and noticed inaccurate information. XXXXXX/XX/XXXX is showing a late payment status over 120 days late. This information is in accurate. I have never been late with XXXXXX/XX/XXXXand This debt was discharged in a bankruptcy that I filed XX/XX/XXXX and completed XX/XX/XXXX. Please see the attached discharge documentation that includes the debt being discharged back in XXXX. Since the bankruptcy I have not taken out any new loans with XXXX therefore the late payment report in XXXX is inaccurate. I would like this information removed and this old account deleted from all 3 credit bureaus.
Consumer complaint received 2021-01-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2020 I sent a letters to all 3 bureaus about my credit report which shows a lot things that are inaccurate. It has been over 90 days and I have not received a response back. 
1. Is this normal for all 3 bureaus to avoid the law that clearly states they have 30 days to investigate and inform me of findings? 
2.Since it has been over 90 days shouldn't these things be removed because the bureaus have violated federal laws? 
3. As a XXXX taking care of patients with the coronavirus day in and day out for over 12 hours, this is the last thing that I should have to fight as a US citizen.
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX about XXXX XXXX, I went to the bank drive through window to make a deposit. I sent out XXXX dollars cash to the teller, but when I got the receipt, it showed I only deposited XXXX dollars. So I realized that I made a mistake when I filled out the form, I only wrote XXXX dollars because I needed to transfer my friend XXXX dollars that day so I kept thinking about this number. First, the teller didn't correct the amount for me, secondly she didn't give the XXXX dollars difference back to me, also, she didn't confirm the amount with me. 
I am pretty sure that I brought XXXX dollars cash and I didn't go anywhere before I went to the bank that day. Then I drove back to the bank immediately and went to talk to the teller who processed the deposit for me. She said she didn't notice that the amount on the counting machine when she processed the deposit. She was busy at that time and let me leave my name and number to her, she will call me back when she found the XXXX dollars difference in the cashbox and would refund it to me. So I drove home waiting for her call back but she didn't. I called the bank before it closed, the teller answered the phone and told me she checked the cashbox twice and didn't find my XXXX dollar. I asked her if she check the camera, she said she didn't have the access to it. 
Then I have to call the customer service to find out what should I do. The representative told me only the branch manager has the access to the camera, I should go back to the bank on XXXX to see the manager. When I went back to the bank on XXXX but it is Saturday and the manager was not there. They said I need to go back on XXXX because XXXX is holiday. 
I waited till XXXX and called the branch to speak to the manager. The manager said she needed some time to deal with it and would call me back on XXXX. When she called me back she told me that she talked with the teller and checked the balance on XXXX and she was sure my money is not in the branch and she did all the procedure, also, she didn't have access to the camera. The only thing she can do is to report this case to an escalated department and somebody will call me in 10 business days and they will take from here. 
Here is the whole situation and why I submit the complaint here.
Consumer complaint received 2021-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (ID)

I put in a complaint on XX/XX/XXXX Complaint Number XXXX which states as follows On XX/XX/XXXX I sent a letter to XXXX, XXXX and XXXX about ARS XXXX with a follow up on XX/XX/XXXX and XX/XX/XXXX. I have yet to get anything from anyone but XXXX which was only a letter with the total charges coming to {$1000.00} but my credit report lists a total of {$510.00}. No information of the first delinquency provided. I have also reached out directly to ARS to verify the account is mine and along with what the charges are for on XX/XX/XXXX and have gotten no response about this debt. 

ARS responded on XX/XX/XXXX stating they sent me a initial validation notice on XX/XX/XXXX which again I never received and they didnt respond to any of my letters they also stated they did on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They sent no attachments on the complaint as proof and then I received numerous letters which I have also attached here where they now have a validation notice that is dated XX/XX/XXXX and then another letter dated XX/XX/XXXX and XX/XX/XXXX saying it was verified. 

Obviously this company is making false statements and also not providing the correct FRCA compliance date to the Credit reporting agency or giving me any information on how this is mine or what the charges are for.
Consumer complaint received 2021-01-20
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. (CA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (OR)

I closed on a VA home loan with Veteran 's United on XX/XX/XXXX. 

I remitted payment in the amount of {$5000.00} over the telephone to Veteran 's United on XX/XX/XXXX. I received receipt of this payment on XX/XX/XXXX. 

On or around XX/XX/XXXX, Veterans United sold servicing of this loan to XXXX, XXXX. 

I was notified of this change from Veterans United in a letter dated/postmarked XX/XX/XXXX and in a separate letter from XXXX dated/postmarked XX/XX/XXXX. I received these letters on XX/XX/XXXX. 

In the letter sent from Veteran 's United, it indicates : " Veterans United Home Loans is currently collecting your payments. Veterans United Home loans will stop accepting payments received from you after XX/XX/XXXX. '' In a phone call with XXXX XXXX from Veterans United on XX/XX/XXXX and again on XX/XX/XXXX, Veterans United indicated to me that they notified XXXX of payment on XX/XX/XXXX and that the principal balance should be {$5000.00} less. Additionally, Veterans United indicated to me that XXXX would issue me tax form XXXX. 

XXXX has done neither of these things despite repeated and multiple requests to do so. In an email correspondence dated XX/XX/XXXX, XXXX indicated " no payments were received '' and refused to look into the matter. I have communicated with XXXX and XXXX from XXXX who have been unhelpful. Veterans United has indicated that they have sent this XXXX. Where it stands, both companies are saying for me to " talk to the other guy. '' I have done both of these things and I have nothing to do with the matter. It's the two companies not talking to each other in a transaction that I have nothing do with.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (CA)

MOHELA, as servicer for the Department of Education negligently and recklessly continue to violate my rights per the 1974 Privacy Act and 15 USC 1681b, which states in part that " written consent '' must be provided by the consumer for information to be reported on the credit report. Additionally, my credit report is " frozen '' and has been in such status since XXXX, across the following credit reporting agencies specifically on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX. Thus, no additional information should be reported on my credit report, nor student loan information should be reporting on my credit reports without my expressed written instructions or consent. I have the right to be forgotten under California Consumer law and under Federal precedent of the right to erasure. This is the fourth complaint that I have lodged regarding this issue and similar issues.
Consumer complaint received 2021-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive sent multiple letters/disputes to each company about these inaccurate, violations and reporting on my credit report Ive ask them to investigate and delete account misleading information on accounts
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Knight Adjustment Bureau (UT)

I asked for letters to verify debt multiple times, which I did not receive till just recently on the XXXX of XXXX. I have asked for several letters in the past and this is the first. The wording of the letter Indicates I have not made any payments, which is also false I have made many up to this point. Also when today, XX/XX/XXXX I was trying to call in to pay the full balance I owed, I left XXXX a voicemail with my name and number to call me back and waited 4 hours till I tried calling again and she picked up and hung up.
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (GA)

I deposited a check to my account on XX/XX/2020, and I didn't know that my account was closed because I never received a notification before and that day I was able to log in a make a mobile deposit which it was accepted and it said that the money was going to be available within a week or so. That same time they called the owner of the check and she authorize it. After that I tried to log in to see if the money was ready but it didn't let me log in. I called the bank to see if they could help but they told me at the beginning that they had to investigate because and that they where to close my case once it was finish with the investigation. Later a few a days after I went in person to and the lady that helped me said that they thought it was a scam. Later days after I called in and they said that the case was closed and that the money was back in the check. A week a go I went to the bank where the check is from and they told me that they couldn't cash it out because the bank where i deposited has not return the money. That same day I called my bank and the lady didn't ask any info until I asked if I could speak to a supervisor which they told me that he was going to call me back and until this day I haven't received any call backs from them. It is really fracturing because that bank is not giving any solutions and all I received by mail was the few cents that was in that account and the letter that officially my account is closed but I just received it last week.
Consumer complaint received 2023-06-30
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. (AZ)

There is an account being reported on my Experian credit report that does not belong to me. I have submitted multiple dispute letters with police reports and FTC reports attached along with identity information and Experian refuses to remove!
Consumer complaint received 2021-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (ID)

On XX/XX/2021 I submitted a payment for {$270.00} for a puppy as a down payment. The next day I paid the {$300.00} needed to receive the puppy and I got no response from the seller afterward. I have messaged them in XXXX and through text message and no response. I have sent request through the the app we used asking for the {$570.00} back and they denied all of them. I went to my bank and they filed a dispute which the app denied and I was told there was nothing left to do. I have pictures of the conversation that took place with the seller from the moment I contacted them to the end. I also have a receipt from them signed. I have reported the seller on the social media platform that I found them on and that social media platform denied the report.
Consumer complaint received 2021-01-20
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. (GA)

Reference CFPB XXXX, XXXX claimed ( kindly see attachment ) If a payment is not received by the time the next payment comes due, ( e.g., XX/XX/2017 to XX/XX/2017 ) the payment is considered to be over 30-days past due. The same is true for months with 31-days. 
The Date of First Delinquency ( DOFD ) for XXXX XXXX reporting purposes is not calculated in the same manner that days delinquent is noted in your core system. The DOFD does not start until 30 days after the first due date. For example, if you are reporting data as of XX/XX/2017 and a payment has not yet been received for a loan has a due date of XX/XX/2017, the loan should be reported as being zero days past due. 
XXXX sent a spreadsheet not ( XXXX XXXX and XXXX data ) showing payments made XX/XX/2017 installment was paid on XX/XX/2017, and XX/XX/2017. 
There is no evidence to back this up. For an establish bank, a receipt of payment is the expectation. Anyone can create a spreadsheet to show delinquency. Where is the evidence of this late payment? Where is the XXXX  XXXX reporting on this account?
Consumer complaint received 2021-01-20
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MidAmerica Mortgage Inc (TX)

1. Mid America Mortgage Inc, FHA Mortgage is being reported as deferred ( forbearance due to national disaster/COVID ) payment date not reported for months XX/XX/XXXX XX/XX/XXXX. Account has never been in deferred status. My 3 credit reports ( XXXXXXXX XXXX, and XXXX ) reflect that my monthly payments were {$0.00} for the months of XX/XX/XXXX XX/XX/XXXX ( 6 months ). For the months of XX/XX/XXXX XX/XX/XXXX my credit report payment history reflects No data for this time period. 
This reporting and deferment were not authorized by me or co-applicant. We contacted the mortgage company and inquired on a deferment due to pandemic, but the terms were not helpful, and we did not pursue a deferment. We did not sign paperwork for a deferment, nor did we provide a verbal approval for deferment or terms of any such deferment. 
Our credit report is accurately reflecting monthly and on time payments to mortgage account despite $ XXXX monthly payment scheduled. 

Mortgage company was contacted, and representative confirmed account reflects deferment ; however, monthly payments are being made on the account and confirmed only an inquiry was made in XX/XX/XXXX ; however, no actions to pursue a deferment was requested. Representative requested for account review but can take 5-7 business days. 

I am currently undergoing a refinance of my mortgage to a lower interest rate ( 2 % ) significantly lower and this inaccurate information on my credit report and that of my spouse is delaying our process.

2. Mid America Mortgage Inc I previously serviced our loan from date of opened account XX/XX/XXXX ; however, it was taken over by Mid America Mortgage Inc, it had reported to credit report account was closed and no payment history reflected from XX/XX/XXXX until roughly XX/XX/XXXX. This inaccurate information significantly lowered our credit rating. 
a. Telephone call was made to representative and it was returned to active/open account after 60 days, but the report continues to reflect this inaccurate information. 

Mid America Mortgage Inc payment history has been attached and mortgage statements from XX/XX/XXXX - XX/XX/XXXX to review payments for last 12 months paid on time and no message reflecting deferment on account.
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc. (MI)

Someone fraudulently opened a MoneyLion account in my name. I found out because I received a debit card in the mail ready to activate. I don't ever want to activate the card. I can't contact support and close my account and report fraud unless I have web login credentials or a card number to get through the phone system.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Checking my report today and I noticed some inquiries on my report that Im not aware of as you know reporting anything inaccurate on my report is against the FCRA and it needs to be eliminated immediately. I dont mean to be so upfront but Im trying to better my life. 

Inquires : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX