davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC (NV)

We have requested debt validation from Monterey Financial in writing and they have refused to provide it. We ask that the debt be returned to the original creditor so we can continue to work things out with them. 

Thank you, XXXX and XXXX XXXX
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX ACCOUNT NO.XXXX  WAS PREVIOUSLY DELETED FOR CAUSE BY EXPERIAN SPECIAL SERVICES , XXXX TEXAS . 
THIS WAS DONE ON THE PHONE FOLLOWING FAXED IN INFORMATION PROVING RE-AGING ON THIS ACCOUNT.D.O.F.D. IS XX/XX/2013 NOT XX/XX/2013.THIS WAS DONE MANUALLY BY THE EMPLOYEE AT XXXX APPROXIMATELY 18 MONTHS AGO. 
RE-APPEARING ACCOUNT AFTER DELETION IS AN FCRA VIOLATION BY EXPERIAN THAT CARRIES STATUTORY DAMAGES. 
THE ACCOUNT IS FOR RENT, UNPAID ON DUE DATE OF XX/XX/2013. 
UNLAWFUL DETAINER WAS FILED XX/XX/2013. 
EVICTION NOTICE WAS XX/XX/2013 JUDGMENT FOR RENT, ATTORNEY FEES AND INTEREST WAS ENTERED XX/XX/2013. 
THE FCRA REQUIRES DAMAGES FOR EACH FALSE VERIFICATION REGARDLESS OF THE EXISTENCE OF NEGLIGENCE.THE FCRA/CA POLICY REQUIRES REMOVAL WITHIN 7 YEARS OF THE DATE OF FIRST DELINQUENCY. 
ATTORNEY CREDITORS WILL RECEIVE A COMPLAINT IN CA BAR COURT AS THEIR ERRORS ARE BEYOND LEGAL INCOMPETENCE.
Consumer complaint received 2020-02-05
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: Experian Information Solutions Inc. (MN)

Cfpb I would like to file a complaint on Experian I sent in certified mail to them I received a letter back from he company asking me for a government issued Id first of all I wrote at the top of the page in bold stating that I attracted a copy of my dL and a copy of utility bill. I know they got it Experian are not conducting investigation I would like for Experian to submit a copy of the later that I sent to their California location. I have had so many issues with the company they dont do investigation the XXXX are to XXXX to change the status update all they do is enter the information in the comments field of the credit report that is stone cold proof that they are not conducting any investigation violating the federal law but time will tell Experian you going down here very soon when you get served betcha Please send me a copy of the dispute from two weeks ago if you cant send it these accounts are consider unverified and they must e remove I will be waiting on the copy via the cfpb website
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a checking account with Bank Of America. Fraud occurred from XXXX until XX/XX/XXXX when I discovered it. The amount was roughly {$85000.00} BOA restored approximately {$60000.00} I have been trying to recover the remaining funds for the last two months. 
The full details are contained in the attached pdf " BOA Complaint ''. While I have tried to be as concise as possible, I felt I would not be able to fit in the details in the space allotted on the CFPB Web Site. 
Other pdfs included : XXXX and XXXX pdfs both show payments that I had made and authorized from the account in question, that occurred prior to the fraud period, that BOA reversed The pdf labeled BOA spread sheets shows the fraudulent charges and the final action, if any, by BOA The very large PDF labeled BOA Statement is a copy from the Actual BOA site from XX/XX/XXXX until approximately XX/XX/XXXX
Consumer complaint received 2019-01-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc. (NC)

Collection Company for XXXX XXXX that I was not aware of debt. I was on a payment plan with XXXX that I was told completed, with no documentation that I owed more. now collection company has called twice, the first time when asked for details they didnt provide and I mentioned fair credit reporting act they hung up. second call I asked for a manager. I asked that the file be sent back to XXXX to complete payment plan rather than pay collection agency all at once. Again, I mentioned fair credit reporting act and the rep tried to get me off the phone and told me collections would continue until I paid and would be put on my credit report.
Consumer complaint received 2023-03-09
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian refuses to unfreeze my credit report and score to allow for my mortgage lender to process my application. Their website does not recognize my correct personal information and therefore will not allow me to unfreeze it myself nor obtain a new PIN number. I contacted Experian directly and they claim that they can not issue me a new PIN except by mail ; which will take ten business days. Neither myself nor my lender have two weeks to wait for this PIN to arrive to process my loan. The Experian advised that there was nothing they can do to expedite this process. This refusal by Experian to provide immediate assistance to unfreeze my credit report and score has the potential to cause me to lose out on a loan for my home.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Southwest Credit Systems, L.P. (NY)

I found out about my credit score decrease with XXXX XXXX that I had XXXX accounts under collections with Southwest Credit Management ( for XXXX ) and XXXX  ( for XXXX XXXX ). I filed disputes with both companies and submmited all required documents. XXXX never reached back to me with a solid resolution. Meanwhile, I have also reported the ID theft incidents to local police and the FTC, both of which have issued case numbers. 

I requested my credit score to be fully restored and complete balances under both accounts to be dropped unconditionally. 

Thank you for protecting my rights. 

Best,
Consumer complaint received 2021-06-10
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: Experian Information Solutions Inc. (NY)

I have filed disputes with Experian, XXXX and XXXX having incorrect information on my report from XXXX XXXX XXXX  XXXX along with Chapter XXXX and Chapter XXXX in which I submitted letters from court to credit bureaus which they say was it was vertified, without giving me information on who vertified information on XX/XX/2021. It has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2022-04-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (FL)

On XX/XX/2020 at XXXX XXXX I tried to do a debit card withdrawal at XXXX XXXX XXXX XXXX XXXX ATM machine. It printed a ticket to present to cashier for the {$500.00} requested plus {$26.00} fee for a total of {$520.00}. 
When I went to the Casino cashier to obtain the {$500.00} I was told that they don't process this type of transaction after XXXX XXXX. I asked how about that ticket that the ATM machine printed I was told it will void in a couple of hours and not to worry no charges will be processed. 
The next day I saw the charge submitted to my bank account with Citibank as pending. 
I thought it would clear. It did not clear and the next day it was charged to my account ending in XXXX. I called Citibank customer service to explain that I also could not reach anyone at the Casino. The Citibank agent offered to credit my account of the {$520.00} pending an investigation of the charge. A reference number XXXX was assigned to the case. 
I tried again to call the Casino to no avail, several messages were left with no one calling. 
I submitted an email inquiry on their website with no response. 
Yesterday I received a letter from Citibank service center /Client Research dated XX/XX/2020 ( I received on XX/XX/2020 ) essentially stating I need to submits the receipts of the transaction by XX/XX/2020 or they will charge my account for the {$520.00} previously credited. 
They don't seem to understand that no transaction took place as far as payment therefore no receipt. XXXX XXXX needs to prove the transaction with my signature to document if they ever paid it. That was no investigation from Citibank as far as I am concerned they just want the charge to stand. In this case I think what has started as an erroneous transaction is turning into an extortion and possible Bank Fraud. 
Both XXXX XXXX and Citibank need to thoroughly review their procedures to avoid this type of occurrence. Also I need to be made whole as far as any charges that don't legally belong against my account
Consumer complaint received 2018-08-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Weinberg Mediation Group LLC (VA)

XX/XX/2016 Company : XXXX XXXX XXXX, XXXX NY XXXX and XXXX This company continues to call my parents, my ex-wife and her family, and my phone number threatening to send information to the courts and have me arrested. I asked them for information to be sent to me so I can validate this debt. They refused several times. They somehow have my social security number and mailing address. They said the debt was with XXXX XXXX which I have never used this company.
Consumer complaint received 2021-07-15
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)

A few months ago I noticed incorrect information on my credit report that was not mine. After carefully looking through my credit report, I wrote a dispute letter to the top three credit bureaus ( XXXX, XXXX  and TransUnion ), on XX/XX/2021, sending it through certified mail though the USPS. 

After 45 days, I did not hear a response from them. However, looking into my credit report at this time, I noticed that the account details were changed to " Consumer Disputes ''. So at least I got confirmation that they received my letters on XX/XX/2021 by the USPS, and that they read them because my credit report indicated that they marked the accounts with " Consumer Disputes ''. 

So I sent a second set of letters, certified mail, to XXXX, XXXX  and TransUnion dated XX/XX/2021. USPS states that they received the letters on XX/XX/2021. 

Again, more than 45 days later, I have only received confirmation from one credit bureau, XXXX. They deleted and removed every single account, that I disputed, from my credit report due to inaccuracies and because they could not verify the accounts as mine. 

Once again, I am writing to XXXX  and TransUnion to understand why they are failing to comply with the investigation.
Consumer complaint received 2021-07-15
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: WELLS FARGO & COMPANY (NY)

I have been requesting a check for the negative account balance of my {$3400.00}. Wells Fargo has been telling me they would send the check within a maximum of 30 days, for my account which has a negative balance. I made the request for the check on XX/XX/2021. Customer service has lied multiple times and said the check would be sent within 30 days and it has still not been sent.
Consumer complaint received 2019-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

I get this call on XX/XX/19 @ XXXX from Midwest Recoveries. They claim I owe a doctors debt {$680.00} from XXXX XXXX, what is stupid and ridiculus about this is the agent that actually called me mainly called to brag that Midwest Recoveries had already placed this debt on my credit report. 

Whats not fair about any of this : 1. I have dealt with this company before and told them that this debt is mine. I dont owe a bill with this company 2. Even if this debt where to be validated, what is not fair to myself is I have never been notified of this debt. The company " Midwest Recoveries '' proudly threw this debt on my credit report. They never gave a chance for it to be addressed just throw it on a consumers credit report.
Consumer complaint received 2020-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Nationwide Title Clearing, Inc. (NC)

Nationwide TITLE CLEARING stated as XXXX XXXX XXXX XXXX # XXXX XXXX CALIFORNIA XXXX ON CITY OF XXXX  XXXX VA DEEDS OFFICE DEPUTY XXXX. DOCUMENT STATES AS FOLLOWS AND IS ATTACHED AS TIF FILE.. 
PREPARED A TRUST AND A PRIVATE CLIENT XXXX  ACCOUNT in my name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX STATED AND RECORDED AND ENTERRD ON XX/XX/XXXX BY CITY OF XXXX XXXX CALIFORNIA COURT AS..DOCUMENT # XXXX or XXXX as per attached XXXX file sent to me by deputy XXXX XXXX deputy clerk of the city of XXXX  XXXX va attached to ..GPIN # XXXX as recorded on document ON XX/XX/XXXX IN MY NAME XXXX XXXX TRUSTEES XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX NOTARIZED BY XXXX XXXX XXXX of XXXX California Entered XX/XX/XXXX Thru a private XXXX  client SERVICES account at XXXX private client services   bank ( I NEED THIS ACCOUNT NUMBER IMMEDIATELY ) XXXX XXXX XXXX XXXX XXXX california SIGNED BY THE VICE PRESIDENT WEALTH MANAGEMENT CLIENTS ... XXXX XXXX 
Loan # XXXX as stated on document recorded as DOCUMENT # XXXX or XXXX PREPARER by XXXX  XXXX  AT NATIONWIDE TITLE Clearing XXXX ISSUED FROM MY SOLELY owned property XXXX XXXX XXXX XXXX  XXXX va XXXX ATTACHED IS MY DEED OF XX/XX/XXXX ME AS Single individual us citizen of the USA IN MY NAME XXXX XXXX. 
THIS OFFICIALLY RECORDED AND ENTERED IN BOTH CITIES OF XXXX   XXXX VA COURT AND XXXX XXXX  CA. DOCUMENT is recorded at the city of XXXX XXXX va Deputy XXXX XXXX I am requesting all authorized documents and all linked ACCOUNTS and ALL XXXX PRIVATE CLIENT SERVICES HELD IN MY NAMES SINCE XXXX AND ALL wealth management accounts and services and insurance policies and all beneficiaries and payouts and images of front and back of all checks that were used during this prepared document by nationwide title clearing ... ON ALL THE XXXX PRIVATE CLIENT SERVICES BANK XXXX XXXX XXXX XXXX California ACCOUNTS during this transactions XX/XX/XXXX for fraud review and to recover my identity and recover my life savings stocks and other funds solely owned by me of way over a million dollars.PKYS INTEREST NOW.. I want to see who represented themselves as me XXXX XXXX XXXX XXXX XXXX AKA XXXX XXXX and the monies transferred in and out of these accounts I reserve all my legal rights in this matter.
Consumer complaint received 2020-09-23
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: EQUIFAX, INC. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2019-01-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION (CA)

I get repeated calls from this phone number they leave a message but other it just rings and then if i do not answer they will call again the next minute. I get a minimum of 4 phone calls a day and up to 5. f or example on
XX/XX/2019 XXXX called at XXXX XXXX,XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX on XX/XX/19 XXXX XXXX,XXXX XXXX, XXXX XXXX, XXXX XXXX and it is like this Monday through friday.

Pacific standard time.
Consumer complaint received 2022-08-17
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: Exeter Finance, LLC. (WI)

Company : Exeter Finance , LLC, ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, TX XXXX On XX/XX/2022, I completed paying off the amount of a vehicle loan with Exeter Finance . By this date all the payments were paid and cleared with an Echeck through a financial institution. On XX/XX/2022 I printed a Payoff Quote from my Exeter Account Portal. The Payoff quote was {$0.00}. 
According to a statement on the Payoff Quote, Exeter will take 45 days after the account is paid in full to release the lien on my vehicle " ( or earlier as required by state law ). '' It is my understanding that Wisconsin Statute 342.22 allows a debtor to receive the lien release within 10 days if requested of the lien holder in writing. 
On XX/XX/2022 I submitted a written request to Exeter to release my lien within 10 days. I submitted the request on the Exeter secure message portal. I received a reply stating that I had to call Exeter. 
On XX/XX/2022, I mailed a written request to Exeter to release the lien within 10 days. As of today, XX/XX/2022 the document is in transit to the address listed above. 
On XX/XX/2022, I called Exeter Customer Service about the request I'd submitted on the secure message system. I was told that they would not accept the request I submitted on the secure message system because, " anyone could have submitted that request. '' After a lengthy conversation with the " management team '' I was told that they will consider the request when the mailed document is received. Although I quoted Statute 342.22 to them, they insisted that after my written request is received they will take 14 days to process the request, and another 10 days to release the lien. That is a total of 24 days, not the 10 days as I understand in the statute. All the funds have been deducted from the financial institution I used to complete the payoff. They have my money but refuse to acknowledge the Wisconsin Statute requirement.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/XXXX, per Customer Service email, I was granted an extension on a promotional purchase plus waived several payments due to the Covid crisis. The extension on interest charged was given until XX/XX/XXXX. I checked in XXXX with a customer care representative and that the extension was good and informed that person I would be making the payment in XXXX. I called to make that payment and the dollar figure that I was given and was informed that extension was not granted and that I owe the interest accrued of over {$2000.00}. I have since tried to contact JCP/Synchrony Bank on several more occasions to resolve the problem and to payoff the promotional balance and am being told there is nothing to be done to waive the interest. JCP/Synchrony has not acted in good faith and have reneged on their offer. I have an email from XXXX to support this fact.
Consumer complaint received 2019-01-15
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. (MS)

Under the new law beginning XX/XX/2017, public record data collected for credit reporting purposes including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at more frequent intervals as follows name address social security number and date of birth and minimum frequency of courthouse visits to obtain newly filed and updated public records of at least 90 days.
Consumer complaint received 2023-06-24
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. (NV)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( 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. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).