davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-20
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. (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-20
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. (TX)

I have attempted several times to get my credit report updated on the inaccurate information and remove the account from XXXX consumer as where even the creditor even stated in the attached document stating that I do not owe a debt to that company.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Re : Request for Deletion of Inaccurate Information on My Credit Report To Whom It May Concern : I am writing to dispute certain information that appears on my credit report. I believe this information is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ).

1. **Inaccurate Information Dispute** : According to the FCRA and various case law precedents, all information reported by credit reporting agencies must be accurate, complete, and up-to-date. The following item ( s ) listed on my credit report is/are incorrect : 2. In accordance with 15 USC 1681 5-3, any report containing information solely regarding transactions between the consumer and the person making the report is excluded from being considered a consumer report. This further underscores my assertion that the aforementioned item ( s ) should not appear on my credit report. The delete the following This is a violation please delete Account # XXXX Account Status Closed Charge Off Payment StatusPast Due - {$5200.00} - NO BINDING AGREEMENT WITH. Do not owe the amount stated. 
Account # XXXX Closed Charge Off Past Due - $ XXXX NO BINDING AGREEMENT WITH. Do not owe the amount stated. 
XXXX Amount Status Closed Charge Off Past Due - {$760.00} NO BINDING AGREEMENT WITH. Do not owe the amount stated. 

I request that you investigate this matter promptly and, if the above-listed item ( s ) is/are indeed inaccurate, remove or correct it/them as required by the FCRA.

3. **No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report.
Consumer complaint received 2018-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management (FL)

I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX on XX/XX/XXXX and again on XX/XX/XXXX regarding 2 collection accounts on my credit report. Both times I have requested proof of the debt. They refuse to provide proof of debt and have stated its the original creditors responsibility to report it to them. 

I spoke to original creditor on both XX/XX/XXXX & XX/XX/XXXX they state that they have no open account. Dates on " collections '' are from XXXX.
Consumer complaint received 2015-12-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (IL)

In XXXX, I applied for a Home Equity Loan through BMO Harris. At the start of the process I was told it would take four weeks and close on XXXX XXXX, 2015. Then I was told due to the CFPB guidelines that it would be closed before XXXX XXXX ( " Unfortunately, it is a little frustrating for customers and myself, because the process is taking a little longer than normal due to new CFPB regulations ( Consumer Financial Protection Bureau ). I apologize for the length of time it has taken to process the loan '' ). The loan was not cleared to close until XXXX XXXX, at which I signed the documents. It is now XXXX XXXX and the funds have still not been released. I have spoke with BMO and have been told that the CFPB allows them to begin processing the loan and releasing the funds after 4 business days from the signing of the loan documents. Now where is this stated on the CFPB 's website. I would like a clear understanding and thorough investigation into the practices of BMO Harris.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (AL)

Ally financial Reporting car note a 9 late payments when the car is paid off and has been and they have said several times they will remove it and havent its been over a year and its hindering my credit from moving
Consumer complaint received 2021-11-20
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. (SC)

I provided Equifax with an FTC report and the law clearly states the following : XXXX XXXX Code XXXX ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Equifax received my FTC report ( attached here along with my full dispute ) and they did not follow the LAW. Equifax is not superior to the UNITED STATES LAW and MUST comply with Code of federal regulation. They made claims to verify the accounts however, under section XXXX ( a ) ( XXXX ) ( A ) they have to provided me with any physical proof, a consumer contract with my signature proving ownership of what they are reporting. Equifax is not doing their job and they are costing me my natural rights to credit. I have included my full dispute along with every violation and punishment available by law if Equifax does not rectify my credit report immediately. I will hold all parties accountable and will seek my full remedy for all violations and hold Equifax and all accomplices criminally liable.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I opened an account, XXXX days later, my account was closed for no reason, and I can no longer bank with Chase in the future. I had to force them to give me my funds. I asked several times why the account was closed, no one could tell me anything. I escalated the situation to the XXXX and the Chase executive office assured me they were going to investigate, but the executive office, literally said nothing. A lady by the name of XXXX, in the executive office ( ext XXXX ) told me she would contact me and gather all information from me and investigate. That was only XXXX business days ago ( XX/XX/2023 ), yet she has already responded to my XXXX complaint ( XX/XX/2023 ). Her response to the complaint was the exact same information that had already been told to me XXXX weeks prior. 
I would like to know what investigation occurred, and what information was gathered in a span of XXXX days. 
I would also like to know what why my account was closed, even after I was forced to contact you all XXXX times ( I have proof ) between XX/XX/XXXX XX/XX/XXXX, to verify my identity, just to have the account closed XXXX hours later and left me stranded with no funds. 

I would like for my account to be reopened.
Consumer complaint received 2021-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had provided proof and documentation that the account shown on my credit report is in accurate youre supposed creditor also provided proof and document stating that I do not owned it and therefore should not be shown on my credit affecting my credit in a negative manner please remove and update the changes to reflect on my credit report immediately. XXXX consumer account must be removed immediately.
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Midwest Recovery Systems (TX)

This company has called about once a day for the past few months- I have told them to take me off call list- they either hang up before I can get a word in or say they will do it and call the next day. 
I called back today and pretended I didn't know they were a scam- and the lady was very rude- very XXXX and telling me she didn't care if I knew it was a scam or not that her shift was almost over. I told her I was going to report her and she said she didn't care- people do it all the time.
Consumer complaint received 2018-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

My loan with Caliber Home Loans was transferred to XXXXXXXX XXXX   XXXX XXXX after the security was acquired by XXXX XXXXXXXX XXXX. I've been informed by XXXX that there are 2 months of payments missing and that they are waiting on a wire transfer from Caliber in order to reconcile my account.

Caliber did not transfer all of the funds associated with my loan and as a result, my account is showing an incorrect balance. 

XXXX has requested the wire transfer. Caliber has either been obstinate are incompetent in completing the request.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

This is to inform all the concern parties that I noticed some unauthorized accounts on my credit report, I have been able to identify some account that i do not know nothing about on my credit report which surprised me because i believe my consumer report should be a fair reporting without inaccurate data, because unwanted and unauthorized violated my consumer rights. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( ACCT XXXX ) XX/XX/XXXX XXXX ( ACCT XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

In correct information is on my credit reports under acts law ... ... list of companies is on my reports... .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 XXXXXXXX
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I have 8 student loans that are reporting on my credit report and my social security number under the accounts are incorrect. The accounts are listed below. 

DEPT OF ED / XXXX - {$5900.00} DEPT OF ED / XXXX {$3300.00} DEPT OF ED / XXXX {$2800.00} DEPT OF ED / XXXX - {$2700.00} DEPT OF ED / XXXX - {$2500.00} DEPT OF ED / XXXX - {$2300.00} DEPT OF ED / XXXX - {$1400.00} US DEPT OF EDUCATION XXXX {$910.00}
Consumer complaint received 2019-11-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM CONCERNED ABOUT THE LACK OF ASSISTANCE I HAVE RECEIVED IN REMOVING THE CHARGED OFF ACCOUNT FOR XXXX XXXX XXXX. AFTER SEVERAL ATTEMPTS AT DISPUTING THIS NEGATIVE ACCOUNT, I AM INSULTED BY THE INCONSISTENCIES THAT HAVE BEEN PERFORMED BY THE AGENCIES. I NEVER RECEIVED A RESPONSE FROM ANY OF THE AGENCIES AND I AM VERY UPSET AT THE FACT THAT NOTHING HAS BEEN DONE ABOUT THIS MATTER. I NEED THIS ACCOUNT REMOVED AS SOON AS POSSIBLE. I HAVE GOALS I WANT AND HAVE TO ACHIEVE, THIS IS DISABLING MY CREDIT REPORT, AND SADDENING MY SCORES AS I TRY TO PURSUE PROGRESS. I DEMAND TO KNOW WHY THIS ACCOUNT IS STILL REFLECTING.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I contacted Experian via phone and US mail to tell them about an account on my credit report that did not belong to me. XXXX notified me that my confidential information was leaked during their data breach and that accounts were a result of identity theft. I have sent Experian my letters with an FTC report documenting the data breach and fraudulent account and they have not done anything to help me. They keep telling me its verified but thats all, no proof provided at all. i know for a fact that those accounts are not mine because i did not recieve any goods or services from the creditors and the creation of those accounts were not authorized by me. XXXX has already corrected this inaccurate data on their end so i dont understand why Experian hasnt done the same?! These inaccurate accounts are detrimental to my credit health and are making my finances take a toll for me and my family. in addition, the accounts are over 7 years old isnt that against the law? to continue to report old information? Doing further research I learned that there are FCRA laws in place to protect consumers from inaccurate reporting and Experian is doing that, breaking the law! FCRA 605B ( 15 U.S.C. 1681c-2 ), FCRA 604 15 USC 1681B , FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting, FCRA 15 U.S.C 1681i calls for immediate removal of inaccurate accounts, Misleading False Reporting : All of these accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. I KNOW THAT I HAVE GROUNDS FOR A LAWSUIT BUT WOULD LIKE TO AVOID THAT LENGTHY PROCESS!! I beg you to please remove these inaccurate accounts!
Consumer complaint received 2021-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (CA)

On XX/XX/XXXX I contacted XXXX now PNC to let them know my personal checking accounts were compromised by one of their employees at the XXXX Ca branch. The employee 's name is XXXX XXXX. I had XXXX business account and XXXX personal accounts. Only one of my business account I had a cosigner, XXXX XXXX XXXX. I had to travel to XXXX due to personal matters ; therefore, I was not in the United States. On XX/XX/XXXX XXXX XXXX gave full access to all of my checkings account including the one he was not a cosigner. She also gave him full access to my online banking giving him my ID and password. With this, XXXX tried to take out money from my personal account. When I noticed all of this, I contacted the bank on XX/XX/XXXX and told them all the situation. On XX/XX/XXXX the bank contacted me and gave me a case ID : XXXX. 
The bank opened an investigation regarding this matter but they did not do anything. The only thing they did was close my accounts and open new ones. The employee, XXXX XXXX, is still working there and I have the same risk that my account gets compromised.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

Our original mortgage was with XXXX and sold to Bayview Loan Servicing. We had an auto draft set for XXXX and Bayview took it out on the XXXX resulting in returned checks and NSF fees. Contacted an agent on XXXX and told to submit in writing the complaint and the bank statement showing NSF fees - send a fax to XXXX. I did this and no response to email or verbally so on XXXX/XXXX/15 called again and spoke with another agent who assured me the NSF fees had been applied to my account on XXXX/XXXX/15 and it would take 5 days to post. As of XXXX/XXXX/15 nothing has been refunded and I am out over {$500.00} due to Bayview 's mistake. Calling again today but this is horrible customer service and I have yet to be acknowledged by a Manager, even after several messages left on voice mail
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (TX)

Over the past 4 months, I have acquired 7 overdraft fees. Each fee is {$36.00}, totaling {$250.00} in fees. 
It was verified by an employee on the phone that i spoke with on XX/XX/23 that I never approved overdraft protection services. These fees and the associated transactions that triggered them shouldnt have happened. 
In addition, the policy is that you have until XXXX the day the overdraft occurred to add money to avoid a fee but nearly every time I have experienced this, the fees happen OVERNIGHT when Im sleeping. I go to sleep and my account is in good standing, in the morning it is negative with Multiple Overdraft fees. I was denied any refunds because of an error they did/corrected back in XXXX that resulted in a refund of an overdraft fee. So because they corrected an error, I am not eligible to request a refund of overdraft fees for a year. 
I asked how do I avoid Truist approving transactions when my account is low and I was told some things may be approved regardless. 
I check my account on the app often and ensure I have money before I spend it. Transactions dont display the same day sometimes. It is hard to manage your money with this bank. 
I feel this is incredibly unfair and confusing and I am eager to get my money back, switch banks and tell everyone about my experiences with Truist.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc. (VA)

Called several times during the last four months to this mortgage company that voluntarily and with purposely tried to still my money. Making reference to the COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021. They voluntarily tricked me with the escrow payments. They received the reimbursement from the XXXX XXXX XXXX tax office and they never reconciliated the payments that I make. This resulted in the lost of over a {$1000.00} from my money, and a fault report to the credit bureau. They stole over the previous mentioned money due to a scan to still money of their customer, and after several calls to their customer service department, still no action from them. It's a never ending story to still money from disable veterans like me.
Consumer complaint received 2021-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MI)

In XXXX, XXXX I purchased with very specific details in writing a custom Chair from XXXX XXXX of XXXX, XXXX and charged it to my American Express credit card. It was delivered to my home on XX/XX/XXXX. I immediately called and texted the Sales Representative, XXXX XXXX and told her the merchandise XXXX was not what I ordered or expected and to make arrangements to pick up the chair and process a return. The store.representative XXXX XXXX provided ill advice and the store never made immediate arrangements to pick up the chair. After waiting on the Merchant to take corrective action. I opened a dispute with American Express XX/XX/XXXX and asked for a charge back and returned the defective merchandise to XXXX. As of XX/XX/XXXX this matter remains an issue that I am left to deal with on my own. the merchant has refused to issue a refund using the excuse, American Express failed to inform them the dispute is closed. American Express did not do their due diligence and investigate this matter properly and provide protection based on the CFPB guidelines. American Express and their Agents misrepresented their intentions to provide relief to me and handle my dispute responsibly and due to American Express abject failure I am now at the mercy of an unscrupulous merchant ( XXXX XXXX of XXXX, XXXX ). As of XX/XX/XXXX American Express has not reversed the charges, after I have submitted testimony, evidence and made numerous calls that the charges should be reversed. The charges continue to incur interest and reporting as a legitimate balance on my account. I have suffered undue financial harm and stress based on American Express inaction and biased treatment and compel the CFPB to act on my behalf.
Consumer complaint received 2021-11-20
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XXXX XXXX XXXX of inquiry XX/XX/2020