davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BMO Bank, N.A. (AZ)

I refinanced my mortgage with Bank of Montreal Ontario, Harris Bank. ( BMO HB ) They have farmed out their mortgage servicing to XXXX XXXX lending, at XXXX. 

BMO Harris Bank Customer Advocacy Support and Escalation Team XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX, is who I went with for the refinance and they submitted a check to BMO HB on XX/XX/2020 and the check was cashed by BMO HB on XXXX/XXXX/2020. 

I have written customer support at BMO HB several ( 10-12 ) times beginning on XX/XX/2020 up until today XX/XX/2020 asking about when I should expect to receive the balance of my escrow funds {$2000.00} and have gotten no written response or resolution. 

Additionally, I did not receive my regular monthly statement for XX/XX/2020 on the XXXX of the month. After several written requests I finally got a XX/XX/2020 regular statement electronically on XXXX/XXXX/2020. 

I have also requested a closing settlement statement from BMO HB that describes the payoff amount of {$170000.00} provided by XXXX XXXX on XX/XX/2020 that was cashed by BMO HB and describes how this number was settled against the actual principal balance of {$170000.00} after the XXXX 2020 payment that was made on XXXX/XXXX/2020. I calculate a difference that should be paid back to me of {$230.00}. 

I would like to be paid the amount of {$2000.00} which is my money left in my escrow account and an estimated date for when I should expect to receive my escrow funds and the difference due to me from the excess payoff funds of {$230.00}. 

The RESPA laws violations are : Notification - The expected date of payment communicated to me for settlement of escrow funds to be payed to me and any principal balance differences due to me on this refinance should be communicated to me in a reasonable time ( within 2 weeks of Paid In Full from refinance ) with notification of amount No Later Than XXXX/XXXX/2020. It is XX/XX/2020 and I still have not heard from BMO HB what the payoff date is even though they cashed the check on XXXX/XXXX/2020. 

Any balance in any such escrow or suspense account that is within XXXX the servicers control at the time the loan is paid off on XX/XX/2020 shall be promptly returned to the borrower within XXXX business days which is on or before XXXX/XXXX/2020. ( Today ) The above is required by the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ).
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I last disputed with CFPB and the company stated they sent me a letter, I got that letter which said nothing in regards to this.Equifax REFUSES to report correctly. Every other company has removed these items. I CAN NOT get approved for a home loan because of Equifax! I am in good standing with both XXXX  and XXXX!!!
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

There was a late payment reported to my account in 2019. One credit bureau reports XX/XX/2019 being late and the other says XX/XX/2019 was late. Every time I try to dispute this mistake they change the date on the late payment.
Consumer complaint received 2020-09-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (GA)

On may I bought a XXXX XXXX XXXX ( Kia Fianance ) and on XXXX I refinanced it thru ( XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent two checks one for {$16000.00} ( XXXX ) and {$65.00} ( USPS ) money order in the same certified envelope to paid off my auto loan with them. After several calls with KF  to verified it they received the payment, they told me that I need to put a stop payment on the checks and send a new ones. I went to the United States Postal Service and they told me that Kia received the envelope with two checks on on XX/XX/XXXX. I submit an inquiry with them USPS and the results was that Kia cashed the money order on XX/XX/XXXX. When I went to XXXX they putted a stop payment on the first check and gave me a new one with the same amount {$16000.00}, so I sent another sets of checks the XXXX and a personal check of {$100.00}. I called a lot of times and they always said that they didn't received the first envelope with the XXXX and money order check, but I have all the evidence from their website and USPS that they received it. Also, they gave me a fax number to submit my evidences but that number doesn't worked. I had to paid extra money sending everything certified to them to the address that they gave me and every time that I called them and ask if they received it they said not. When I went to the USPS they told me that they are giving me the incorrect address because the zip code Kia gave me is rural and the address is PO BOX XXXX but USPS delivered to the correct address. 
I need to resolve this situation and my money back as soon as possible.
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 14 usc 1861. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602a. States i have the right to privacy 15 U.S.C. 1681 Section 604a section 2 : it also state a consumer reporting agency can not furnish it account with my Written instructions 15 U.S.C. 1681C ( A ) ( 5 ) Section states : No consumer reporting agency may make any of the following items of information. Any other adverse item of information, other that 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 2023-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

During XXXX or XXXX, I fell behind on loan payments with Wells Fargo due to a change in jobs and having to work out of state. I went through many people trying to modify the loan and was basically denied the modification of lowering the interest rate and ended up having to pay a {$10000.00} payment to Wells Fargo. I still own this home but wanted to see if I am eligible for any of the settlement funds.
Consumer complaint received 2020-09-30
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

on XX/XX/, Ace cash express called me and left a voicemail threatening to " locate '' me and that they threatened to file suit against me if i did not call and pay. I called scared and talked about a payment plan. I did want them to have my card information, so after the call attempted to reach the person who left the original message. After being unable to reach them, I was call today by the same lady who left a voicemail that they will disclose my information to my employer and " locate '' me, despite them giving them my address. I have noticed that they have been charged with the same offences that have happened to me, such as threatening to file suit if I do not pay them. I would like to see what can be done. They also threatened to " use my recording against me. ''
Consumer complaint received 2023-03-17
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: FIDELITY CAPITAL HOLDINGS, INC (CA)

Fidelity service opened on XX/XX/2022 amount XXXX filed federal trade commission report Company has not resolved this matter. 

XXXX opened XX/XX/2022 amount XXXX filed federal trade commission report company has not resolved issue.
Consumer complaint received 2020-09-30
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. (MA)

Hi XXXX ; how are you? I'm looking at my credit report and the balance still reports incorrect, incomplete, and unverifiable. If you see, I have a confirmation number # XXXX for {$1500.00}. This is paid but it's reporting incorrect and erroneous! It's taking more than 60-90 days and still not resolved. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Statement Regarding Unauthorized Sharing of Transactional History To Whom It May Concern, I, XXXX XXXX, am issuing this statement to address the unauthorized sharing of my transactional history by XXXX XXXX  . This egregious violation of my privacy rights has caused me significant concern and distress. I wish to highlight the numerous laws and regulations that have been violated as a result of this unauthorized sharing. 

First and foremost, XXXX XXXX XXXX actions are in direct contravention of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a, which defines the term " consumer report '' as any communication of information by a consumer reporting agency that bears on a consumer 's creditworthiness. By sharing my transactional history without my permission, XXXX XXXX is effectively creating a consumer report without adhering to the strict regulations outlined in the FCRA. 

Furthermore, XXXX XXXX XXXX actions violate the Gramm-Leach-Bliley Act ( GLBA ), particularly 15 U.S. Code 6801, which emphasizes the importance of protecting the privacy and security of customers ' nonpublic personal information. By sharing my transactional history without my consent, XXXX XXXX  is failing to uphold its obligation to safeguard my confidential financial information. 

Additionally, XXXXXXXX XXXX XXXX unauthorized sharing of my transactional history may constitute a violation of state privacy laws, including [ insert relevant state privacy laws if applicable ], which further reinforces the severity of this breach of privacy. 

Moreover, XXXX XXXX XXXX actions demonstrate a lack of compliance with its own privacy policies and disclosures, as required under the GLBA and other relevant regulations. Failure to obtain explicit consent before sharing sensitive financial information is a clear violation of these policies and disclosures. 

In conclusion, I demand that XXXX XXXX  immediately cease and desist from sharing my transactional history without my explicit consent. Furthermore, I expect full compliance with all applicable laws and regulations governing consumer privacy and data protection. 

Sincerely, XXXX XXXX ---
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 
XXXXXXXX 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 2020-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following account ( s ) must be deleted from my credit report as a result of fraud : 1. Identity Theft XXXX XXXX Account Number :  XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities. 

2. Identity Theft XXXX Card Account Number : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities. 

3. Identity Theft XXXX Card Account Number : XXXX This account is on my credit report as a result of fraud. I did not apply for this account and it does not belong to me. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities.
Consumer complaint received 2022-11-05
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: AMERICAN EXPRESS COMPANY (PA)

In accordance with the fair reporting act this creditor has violated my rights. Under 15USC1681 sec 602 states I have a right to privacy. 15USC1681 sec 604A sec 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2020-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TN)

I went to the ER in XX/XX/19 after I was injured at work I had my XXXX XXXX up where it was XXXX XXXX  after a fall at work. XXXX the company that owns XXXX XXXX was who I was working for workman 's comp is responsible for 100 % of this bill.XXXX claims management services was who handled my claim.debt recovery solutions is the company that is trying to get me to pay the bill.the debt solutions has all my info to call XXXX and get the claim # and such. They have my ssn and dob.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account Name : XXXX XXXX : Account XXXX Account Name XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 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 XXXX 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 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

CREDIT AGENCY IS REPORTING CHILD SUPPORT OWED WHEN THE COUNTY/STATE DOES NOT DIRECTLY REPORT TO CREDIT AGENCIES WHICH VIOLATES MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2023-01-04
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. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The information being reported for the accounts are completely incorrect, so how could you have verified it? You claim to have verified this information within your investigation. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have these accounts DELETED or REMOVED from my file completely : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX