davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-01-02
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: BMO Bank, N.A. (IL)

The response given by XXXX is XXXX of XXXX is arbitrary and capricious as it does not definitively state the action that was taken. 

The same debt is reported two ( 2 ) times on my credit, by the same creditor with varying names and account information. i.e. 

Account Name Account Number Balance Monthly Payment BMO Harris Bank N.A . XXXX {$250000.00} {$0.00} Harris XXXX XXXX XXXX XXXX {$0.00} - - - In response to my latest complaint, BMO Harris Bank has changed their reporting name on my credit report to Harris T & S ; An entity that I have never done business with. See Exhibit XXXX XXXX XXXX Credit Report vs. Exhibit B-XXXX XXXX XXXX Credit Report. Further, this is a separate legal entity. This is deceptive and problematic. As one can further see, the balance has once again reverting to a balance in excess {$250.00}, 000.00 in opposition to the {$170000.00} amount they allegedly verified to support this information remaining on my credit report. See Exhibit A & B respectively. 

Further, upon closer examination one can see that it is the same debt etc... I reject the contention that Harris Bank or Harris XXXX XXXX XXXX verified this debt. The issue and contention is relative to Harris Bank/ Harris XXXX XXXX XXXX accounting of my account that facilitated the delinquency of the account ( s ) in question. Further, it is fundamentally impossible for them to have verified the account as stated, as by their own admission and conduct stated, in XXXX of XXXX, that they had not previously provided me with any account statements. Also, the check from BMO Harris accompanying the XX/XX/XXXX letter, as a form of restitution, underscores and supports that there was and is outstanding accounting issues. 

In addition, most recently in XXXX of XXXX BMO Harris followed up with a letter in support of the restitution they offered related to accounting inaccuracies in XXXX. See Exhibit C and D respectively. This is clear cut evidence that there are discrepancies. 

Further, it is not reasonable to assert that a company who intentionally provides misleading and patently false information and changes its name to avoid culpability and liability is credible. 
Therefore, Harris Bank has not verified the debt; continuing to report the same debt twice. Under the Fair Debt Collection Practices Act you, as a Credit Reporting Agency, are required to remove erroneous and unverified information from my account. And as a direct proximate of that FDCP Act, I am formally requesting that this erroneous information be removed promptly. 

This is the third ( 3 ) time that I have pointed out these discrepancies and as a recorder of, life determinative, information it is your fiduciary duty to ensure that the information is accurate and correct while following the prevailing statutes and regulations. Failure to do so is a violation of my rights.
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (GA)

On XXXX XXXX we refinanced our home with XXXX XXXX. Both XXXX XXXX  and our previous lender paid our property taxes that were due XX/XX/XXXX. 

XXXX XXXX  payment was processed first so the check from Caliber Home Loans would be refunded back to Caliber and then back to me as an escrow refund. 

I called in XXXX to find out the status of the refund and hit a brick wall. No refund was issued but they said to keep an eye on it. Calling every two weeks through today, XXXX XXXX and there is still no refund in sight. Frustrated I emailed my county tax commissioner who stated that not only have they issued the refund but the check to XXXX XXXX ( part of Caliber ) but XXXX XXXX cashed the check on XXXX XXXX. This was a bulk refund that included several hundreds of thousands of dollars. Caliber continues to claim theyve not received it even though they cashed it. 

I continue to be told that there is a finish date on my account for XX/XX/XXXX and that they will continue to investigate where the check is. 

The check is sitting in their account earning interest on money that doesnt belong to them.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 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 2023-06-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX i filed a complaint about my hard inquires with transunion and its been over 30 days and these are all the inquires thats on my report : XXXX XXXX XXXX ( finance ) XXXX XXXX XXXX XXXX XXXX ( finance ) XXXX XXXX XXXX ( bank ) XXXX XXXX XXXX XXXX  ( finance ) XXXX XXXXXXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( finance ) XX/XX/XXXX And there has been no respond
Consumer complaint received 2017-03-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (VT)

My bank overdrafted my account by taking out a {$35.00} overdraft fee before taking the charges out therefore I was over 2x which started a snowball of overdraft fees and issues. They then charged me overdraft charges for my overdraft charges, thus charging me 2x for XXXX overdraft. The put a check thru my account, overdrafted my account, bounced the same check and charged me a returned check fee 2 days in a row for the same check. The continue to charge me overdraft fees and sustained overdraft charges. They are now threatening to close my account and denying my automatic charges when the account is current.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX account with, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. (CA)

I received an unsolicited piece of mail from the XXXX product by XXXX/MoneyLion. The mail included a debit card and had a call to action for me to activate the debit card. To me, the piece of mail seems to actually be from MoneyLion. 

I never signed up for this account. I am not sure how this account was opened in my name with my address. I am actively monitoring my credit, and as of yet don't see anything suspicious. 

I did not activate the debit card. I can provide the debit card number upon request. 

As I did not request this card, nor did I sign up for this account, I believe this is fraudulent. 

I received this mail at my old address and have moved, so I'm not sure the exact date I received this. It may have been a month ago. 

It is a similar situation as this post : XXXX XXXX XXXX
Consumer complaint received 2023-01-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION (FL)

Late payments reported to the credit bureuas and stated in 15 usc 1666 b, late payments are not to be reported to the cosumers report
Consumer complaint received 2023-02-13
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-01-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

Between XXXX and XXXX of XXXX, Midland Credit Management Company ( MCMC ) sued me in court for roughly {$4800.00} dollars ( this is an account that they purchased ). As a result of them suing me, my paycheck was garnished for six months in the amount of {$2000.00}. After six months, I noticed that the MCMC account had not been updated, so I disputed the discrepancy with the credit bureaus. Unfortunately, the account came back verified and still owing the {$4800.00} dollars. I continued to check my credit report and dispute for 10 months and MCMC claimed that I owed the {$4800.00} plus interest. 

In XXXX of XXXX, I contacted MCMC to ask about the {$2000.00} that was garnished from my paycheck. MCMC claimed that they never received the check from my payroll department. 

After contacting my payroll department, an investigation was completed and a copy of the check was sent to me. 

Again, I checked my credit report and there still was no change to the balance. So I looked at the MCMC website and it stated that I owed {$5200.00} dollars. 

I called XXXX, in XX/XX/XXXX, to ask about the check and why it had not been added to my account and again they stated that the check was not received. I told them I had a copy of the check and after further analyzing the copy of the check it was found that the check was cashed on XX/XX/XXXX by MCMC and never added to my account. 

As of today, XX/XX/XXXX, I have looked at my account and reached out to them and they still have not located the funds that they took from me and did not add to my account. 

They have withheld these funds from my account for XXXX years.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have tirelessly disputed the two inaccurate bankruptcies to no avail thus far with Experian. Consequently it is causing me tremendous punitive damages, emotional destress, and financial setbacks, conversely causing me to miss out on countless opportunities to reestablish my credit standing and build my new business. 

Attached are supporting documents from XXXX, XXXX XXXX  XXXX, XXXX, XXXX and XXXX for your immediate review- which corroborates my many unsuccessful attempts/disputes.
Consumer complaint received 2021-01-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

The credit bureaus stated my account was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal because they also violated my rights under : 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 an account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2022-09-11
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me I also feel like these companies on my credit report have violated some of my rights 806. Harassment or XXXX  807. False or misleading representations 808. Unfair practices 809. Validation of debts These items have cause such trouble in my life I just want them gone Im seeking litigation for a few of the accounts as well
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX  # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-03-01
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. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (RI)

I am having an issue removing the Principal and Mortgage Insurance with my loan servicer, Mr. Cooper. 

In XXXX of XXXX, I believe it was around the XXXX, I initially reached out to Mr. Cooper about having my home reappraised for a fee to remove the PMI from my loan. I have made substantial improvements since my initial purchase in XXXX and during that time I reviewed my options for removing the PMI with Mr. Cooper 's representatives. During my initial call in XXXX, I detailed the improvements made to my Property. The representative took down that information to provide to the appraisal company. I was told I would hear from a Real estate Appraisal company in approx 30 days to schedule the appraisal. 

I never heard back. I called into Mr. Cooper again at the beginning of XXXX to check on the status of said appraisal. I was told that they were waiting for the dollar value of the improvements made so that the appraisal company could contact me. I questioned the rep why no one had reached out to me if they needed more information or why the original rep had not requested it when I first called.. They could not provide an answer. I provided the detailed information to the Rep and requested that they expedite my request. They advised that they would do their best. 
Approx 30 days later on XX/XX/XXXX, I received a letter that my request was canceled, I called and asked what was wrong and they said they reached out once and I didn't answer their call. First, I had never received a call from an Appraisal company and secondly, they didn't leave a message of any sort. I asked for a supervisor and they said that we had to go back through the process all over again. I unhappily obliged and we enter another request for an appraisal slightly after XX/XX/XXXX. 
Another 30+ days pass. I call in again on XX/XX/XXXX and am told the same story. They tried calling me once, but couldn't get ahold of me and canceled the request. This time they also tell me they do not have a form on file for the Appraiser to leave a voicemail. I ask for a Supervisor and am forwarded multiple times to XXXX at XXXX. She assures me that she can get everything in order and have something scheduled in 30 days. 

I requested that Mr. Cooper cover my appraisal fee as I have paid multiple months ' worth of PMI at $ XXXX v. what would have been expected if they had appropriately scheduled a routine appraisal. XXXX said she did not have the authority to do that. 

Today is XX/XX/XXXX and I have yet to receive a call or document notifying me that my request has been canceled.
Consumer complaint received 2023-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

Payment was Sent on XX/XX/XXXX around XXXX XXXX. The merchandise agreed upon by both parties was not shipped. The seller relisted the item for sale on XXXX XXXX XXXX XXXX  The seller insists they have shipped the merchandise but refuses to provide a tracking number. Contact with the seller remained until XX/XX/XXXX when the seller blocked the buyer from further contact. A refund was requested from merchant address " XXXXXXXX XXXX XXXX  on XX/XX/XXXX. Buyer has received no response from the merchant as of XX/XX/XXXX. Started dispute with Wells Fargo on XX/XX/XXXX for {$400.00} with the reason of goods/services not received. Wells Fargo requested no further information or supporting documentation from the claim filer. 
As of XX/XX/XXXX the dispute was updated and officially denied. 
On XX/XX/XXXX the dispute filer called the Wells Fargo support line and inquired about appealing the ruling of said claim. Support said all rulings were final and the buyer would have to contact the merchant directly. A refund from the merchant address " XXXXXXXX XXXX XXXX was already requested on XX/XX/XXXX. No further communication has been received from the merchant. CFPB complaint filed on XX/XX/XXXX.