davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
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: FIFTH THIRD FINANCIAL CORPORATION (MD)

This is my response to the incorrect " analysis '' done by the bank : XXXX XXXX : Please see the attached response to our complaint from XXXX XXXX, in regards to the misapplied payment and XXXX credit bureau reporting by 5/3 Bank. 

The key takeaways from XXXX XXXX 's response : 1. The bank applied {$10.00} on XX/XX/22 to complete the shortage of the XXXX payment. Why wouldn't the bank do this on XX/XX/22, when the second payment was actually received? What we are observing is that the bank had enough of our funds to complete the misapplied XXXX payment but reported it late anyway. 

2. We have additional properties and are not always using this home ; therefore, the timely checking of mail is not always possible. Why would 5/3 Bank choose not to email or call in situations such as this?

3. It seems that 5/3 Bank would choose to ruin a valued client/customer relationship over {$10.00}, rather than making a goodwill adjustment in a unique situation. The payment history and credit was perfect. What does the bank gain from needlessly damaging a customer 's credit and then wasting its own resources dealing with the escalation? 

4. Since the escalation of this issue began, at least five people have touched this account and now additional members of the executive and board team are starting to get included. Was the refusal to do a goodwill credit reporting adjustment worth it for the bank? 

Next escalation steps if this matter remains unresolved ( please confirm resolution by XXXX XX/XX/22 ) : 1. A copy of this response will be submitted to CFPB, XXXX, and credit reporting agencies. 

2. Additional board members will be included on future outreach ( email and phone ). 

XXXX. This experience will be shared on social media, along with the business contact information of all the relevant people involved ( based on the current reviews of this bank, it seems there are plenty of people who would find it useful to share their negative experiences with the leadership of this bank ). 

Regards
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Control Technology, Inc. (NV)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

ACCOUNT CONTROL TECHN is inaccurately and erroneously reported in XXXX. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I received a copy of my credit report and I noticed this account XXXX/XXXX XXXX is open and with a balance of XXXX this information is inaccurate. This account is now closed and the balance is XXXX, please update this information in my credit report.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MN)

The original creditor of this credit card debt was XXXX XXXX Bank. The debt was charged off and sold to various debt collection agencies, most recently LVNV Funding, who has outsourced the collection of this account to XXXX XXXX XXXX XXXX XXXX XXXX. I received a notice from XXXX XXXX XXXX in XX/XX/2022 that stated the debt would be removed from my credit file by LVNV Funding, their client, if I satisfied the debt in full for {$610.00}. I paid the {$610.00} on XXXX XXXX and received the attached e-mail receipt of payment. I spoke to XXXX XXXX XXXX on XXXX XXXX, who advised me that it would take a couple days for my payment to post to my account with their office, but had I made a payment directly through him, the payment would have posted to my account immediately. XXXX XXXX indicated he would follow up with me in a few days to issue a paid in full/debt satisfaction letter. I never heard from XXXX XXXX. On XXXX XXXX, I e-mailed XXXX XXXX XXXX for an update on receiving the debt satisfaction letter and asked when LVNV Funding, their client, would be notified that the debt had been paid in full, and I received a reply from a XXXX XXXX XXXX, who simply sent me a debt satisfaction letter and a regulatory debt collection notice for consumers in certain states. I replied directly to XXXX XXXX to ask if LVNV Funding -- again, their client and the owner of this debt -- had been notified of my debt being paid in full so that LVNV Funding could delete the account from my credit bureau reports. XXXX XXXX failed to respond to me. On XXXX XXXX, I e-mailed XXXX XXXX and the general e-mail box for XXXX XXXX XXXX, again, asking whether or not their client and the owner of this debt, LVNV Funding, has or would receive notice that I had paid the debt in full directly to XXXX XXXX XXXX. As of this complaint, no one has responded to my e-mails. I am concerned that XXXX XXXX XXXX are a fraudulent organization who has collected my {$610.00} and fraudulently misrepresented their written notification that this debt would be removed from my credit bureau files once I satisfied the debt according to our written and verbal correspondence. I have attached all pertinent documentation, and I encourage all reading this to pull the phone conversation I had with XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A checking account was open in my name on XXXX XXXX that I didnt authorize or do myself. I was made aware of this business being conducted in my name today XXXX XXXX XXXX ) only by receiving a bank statement via postal mail. This account statement had my full name and address. I later find out that my SSN and XXXX were used as well. I would like for this XXXX XXXX to be audited and held to the same standards/practices other financial institutions are abiding by. I would also like to be contacted and explained why the fact that a background check or proof of identity was not properly researched before moving forward with an individual opening an account. Over a month goes by and youre telling me no XXXX verified identity with new accounts that are being opened.? We should be doing better by each other and helping to keep individuals identity safe. Thats the role every financial institution has and should continue to have.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX I am currently XXXX XXXX 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX Please remove the following employers : Not Provided, XXXX XXXX
Consumer complaint received 2022-06-02
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-02
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. (LA)

sent dispute letter out on XX/XX/2022 to the three bureaus XX/XX/XXXX, experian, and XXXX, still not response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 

1. Validate AccountXX/XX/XXXXAccount Number : Please remove it from my credit report. 

2. Validate AccountXX/XX/XXXXXXXX XXXX Account Number : Please remove it from my credit report. 

3. Validate AccountXX/XX/XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

5. account already paid creditor agreed to remove XXXX XXXX Account Number : Please remove it from my credit report.
Consumer complaint received 2022-06-02
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. (LA)

sent dispute letter out on XX/XX/2022 to the three bureaus XXXX XXXX and equifax, still not response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 

1. Validate AccountXX/XX/XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XX/XX/XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

3. Validate Account XX/XX/XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

5. account already paid creditor agreed to remove XXXX XXXX Account Number : Please remove it from my credit report.
Consumer complaint received 2024-01-08
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XXXX  Balance : {$2600.00}, XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had an unemployment EDD debit call, and I noticed 3 transactions on my card that I didn't authorize. On XX/XX/2021 {$980.00} was taken from my card, XX/XX/2021 {$980.00} was taken, and on XX/XX/2021 {$1000.00} was taken. I called to report those transactions not being my transactions and I have been told my edd account is frozen and I can't dispute the charges until my account is unfrozen. I need help resolving this matter.
Consumer complaint received 2020-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections (UT)

Bonneville collections added a collection item on my credit report. I had no idea I had this debt until I checked my credit. They failed to send me any notices about this debt, with no phone calls or notifications. As soon I found out about the debt I paid it. They are in violation my 30 day right to dispute.
Consumer complaint received 2022-06-02
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: Experian Information Solutions Inc. (NC)

Since XX/XX/2022, Ive been trying to get the inaccuracy and incorrect information corrected on my credit report. Ive filed dispute after dispute. Reinvestigation after investigation showing them the incorrect and inaccurate items on my report. The results I get each month have been a updated report with even more inaccuracies and more incorrect items and some accounts not even looked at. It is now XX/XX/2022 and Ive sent another letter full of disputes, about the same accounts, same inaccuracies and same incorrect items. 

In accordance with the Fair Credit Reporting act These accounts continue to violate my rights even after 3 months of disputing. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S. Code 1681i ( a ) ( 5 ) ( a ) ( I ) ( A ) .Reinvestigations of disputed information ( 5 ) A. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate items gives a reason to immediately remove those items from my credit report, so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. 

Ive sent all 3 credit reporting agencies another set of disputes pertaining to the same errors and incorrect information that they keep allowing to be put on my credit report. The disputes I sent have copies of my credit report, Ive circled each error, and all incorrect information. I attached the letter that I sent. I now will be going to the XX/XX/XXXXto file a complaint as well.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX, XXXX XXXX I sent XXXX XXXX XXXX a letter requesting a verification for an account that was placed on my consumer report. I received a letter in return for account number XXXX. A XXXX XXXX XXXX from XXXX XXXX XXXX . I wrecked this vehicle and the account was paid off in full but there were two late payments reported to my consumer report. 

Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( XXXX XXXX XXXX  ) Making the report is NOT INCLUDED on my Consumer report! 
Late payment is a transactional history, My HISTORY with the company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports!
Consumer complaint received 2022-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

In XX/XX/2022, the mortgage company disbursed {$8700.00} in property taxes from escrow erroneously ( they paid the taxes that were due, then later paid nearly $ 9k for no reason ). I contacted the mortgagor in XXXX to alert them to the issue and have called three more times since then. Even after four contacts, the issue is not resolved but I continue to be reassured that they are working on it. They claim to be waiting for the payment in error to be refunded by the tax authority before my escrow account is adjusted. The mortgagor conducted an escrow analysis in XX/XX/2022 and claims that I have a shortage of {$8900.00}, which is mostly due to the property taxes paid in error. They now want to increase my payment as of XX/XX/2022 to cover this " shortage. '' At this point I have no confidence they will resolve this by my XXXX payment date, and whether or not they get money back from the taxing authority isn't my problem because the " shortage '' is due to their mismanagement. I feel like an inquiry from the CFPB is the only way this will get resolved.
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (SC)

I was notified by XXXX that I have a past due balance, but I never ordered anything. My identity was stolen, and used to create an account, and items purchased which I never ordered or received any benefit for the items. I never authorized anyone to open an account in my name, nor did I open any account. No action has been taken by the company. I never received the items, nor opened the account so that account should be closed immediately and removed from my credit record, as my identity was clearly stolen.
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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

1 ) Bank XXXX XXXX, Account # XXXX, has violated my rights. 

2 ) XXXX XXXX XXXX XXXX ( Originator - XXXX XXXX XXXX XXXX ), Account # XXXX, has violated my rights 3 ) XXXX XXXX XXXX XXXX XXXX ( OriginatorXX/XX/XXXX ), Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-04
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. (TN)

I have inquiries on my credit reports that are from after XXXX or XXXX when was the last time I tried for credit as I was trying for another car and got approved by XXXX  XXXX. I got an alert that a fraud was us so bus loan denied on my report on XX/XX/2021 XXXX
Consumer complaint received 2024-01-08
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. (FL)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block been made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

Someone stole my husbands wallet because he has XX/XX/XXXX. 4 months later the thief went to the bank with a paper check and Wells Fargo cashed that check even though we reported the crime immediately. They assured me that no one would withdraw any money since we had reported. They cashed a check and when they realized the account that apparently paid my husband it was a closed account they took the money from our account. I filed a complaint and they close it without returning my money. A week after that they cashed a second check for a higher amount. Were out XXXX plus overdraft fees. They refuse to reimburse my money even though it was their fault. They refuse to reopen the investigation. We need help.
Consumer complaint received 2022-06-02
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: Convergent Resources, Inc. (FL)

In accordance with the Fair Credit Reporting Act XX/XX/XXXXAccount # XXXX, has violated my rights and are reporting a fraudulent account on my credit report to the credit bureaus. 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. 15 USC 1692g This account ifs fraudulent and can not be verified and must be deleted from my credit report.