davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2021-10-11
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. (VA)

On XX/XX/2021 a collection from XXXX in the amount of {$460.00} was reported n my Equifax report. I reached out to Equifax to dispute the account being reported. I was advised to reach out to the creditor ; I then spoke with the collection company who then advised me to speak with the creditor of which I did who couldn't provide me with proper identification that the account was validated to be mines and to reach out to the credit reporting agency Equifax. I reached back out to Equifax who advised me to file a FTC report. I have filed a FTC report, I have then reached back out to Equifax on severals times to check the status of the disputes. They will advise me to file a new FTC report to reflect different things. On XX/XX/2021 I contacted Equifax again and the rep stated that because I didn't put a period on one of the sentences that they wouldn't accept it. I then updated the FTC report and faxed over. I contacted Equifax on XX/XX/XXXX, XXXXand the rep told me she sees all the required documents they requested and that they mishandled the information and unfortunately she couldn't remove the information off my report. I then reached back out to the same day and spoke with the Supervisor XXXX who then stated the samething and advised me to update my FTC to reflect the account number of the collection. I advised him that his issue has been an ongoing situation and I needed this to be rectified asap. I updated my FTC report to reflect everything that was advised to do but Equifax has filed to properly handled my file.They had prolonged the investigation of my file.
Consumer complaint received 2021-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Hello I am the owner of a XXXX  XXXX  that uses a Bank of America Joint Personal Account with my wife to do business with. Last year during the pandemic I had received a XXXX from the SBA for XXXX. This year my business qualified for the Supplemental Advance and the Targeted Advance totaling XXXX. After receiving these funds XX/XX/21 we began to buy the things we needed. Now we are based in XXXX but we were in the process of moving to XXXX so at that time all the transactions were taking place in XXXX. This was a red flag for Bank of America so they froze our account. After verifying our identity and calling several times per transaction to get our cards unlocked several times, On XX/XX/21 Bank of America proceeded to still closed the account even though we verified our identity and had our account unlocked. After all of this Bank of America issued us a letter stating " At this time, any remaining balance won't be returned to you. As permitted under our Deposit agreement, we've frozen the funds while we review the transactions and validate the source of the funds. '' it has been over 60 days and they have not issue a cashiers check to us for the remaining XXXX. As I said I am a Sole Proprietor and my business uses my social as its EIN so my identity shouldn't have been a problem, I was on the Joint account, I had a card, my previous deposit was approved and it is a federal grant that has processed 2 times before, I don't understand why they have not released my funds to me. Please Help I don't know what to do at this point, Bank of America refuses to give me any solutions or information.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (FL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Renton Collections Inc. (NC)

Spoke to XXXX XXXX (? Inaudible gave me XXXX XXXX at end of call ) XX/XX/2021. Asked for paper copy of debt owed. XXXX stated they could only send it out within the state of Washington. Siggested we mail to third party in Washington and have it forwarded. It is my belief that a discharge amount of {$210.00} ( amount originally owed ) has had interest applied to it until it's amount of {$610.00} owed today. I have a fiduciary and this amount can not be paid unless appropriate paperwork is given to her or me. The original bill was paid by the XXXX XXXX people.
Consumer complaint received 2024-02-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

Subject : Urgent : Identity Theft and Unauthorized Account Opening Impacting Credit Dear I trust this message finds you well. I am reaching out to urgently bring to your attention a grave matter concerning my identity. Regrettably, I have recently fallen victim to identity theft, resulting in the unauthorized opening of an account with XXXX XXXX XXXX  without my knowledge or consent. 

The repercussions of this fraudulent activity extend beyond personal violation, affecting my credit significantly. To address this matter promptly, I have already filed a comprehensive police report to document the incident and am actively collaborating with credit bureaus to rectify the damage done to my credit profile. 

In light of these developments, I seek your assistance in expediting the resolution process. If there are specific procedures or documentation required on your end, please advise, and I will promptly provide the necessary information. 

I appreciate your understanding and cooperation during this challenging time. Your support in resolving this issue is crucial, and I am committed to assisting in any way possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-05-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (NC)

I applied for refinancing with my current lender, Caliber Home Loans, on XX/XX/2021 and was approved on XX/XX/XXXX. XXXX XXXX was my broker and XXXX XXXX was my processor. All requested information ( credit check, pay stubs, etc. ) was submitted by me in a very timely manner. When any changes were updated, all closing disclosure documentation came back with additional fees that were not agreed upon originally. Throughout the following months, they kept asking for other updated information which was supplied. The rate lock and closing kept getting extended over the next 4 months. The last incorrect closing document that I received was on XXXX. Then they required yet another credit check. I stated several times during this process that I have been paying them each month on time for over 8 years with never a late payment and I would rather not go through the hassle of unfreezing my credit once again when it is excellent to start with due to their delays. XXXX XXXX refused to move forward, asked me if I am refusing to supply them with yet another credit check, attempted to coerce me into stating that since I am choosing not supply another credit report, that as a result I would be terminating our agreement. I find this is highly suspicious and abusive activity from my mortgage company. I can only speculate that the motive for this type of behavior was to receive higher interest rate payments from customers for as long a period of time as possible when they quite possibly had no intention on closing at all. 

I have since refinanced with XXXX within XXXX weeks with nearly no effort which should discredit Caliber 's so-called concerns over my credit worthiness.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC (SC)

XXXX accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-06-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (SC)

I was sent a letter on XX/XX/2023 from CFPB advising I was identified that a former CFPB employee sent unauthorized emails to a personal email address. It contained information about my loan with Santander Consumer USA XX/XX/2023. Santander Consumer USA/Chrysler Capital advised they sent a letter XX/XX/2023 advising plan to sale property which I never received. This vehicle had many issues even when first purchased I have included complaints I filed with the state as XXXX agreed to a trade that they later became a dispute the dealership. I believe due to the vast amount of fraud committed in this agreement my property was illegally sold without my acknowledgment.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (NY)

Hello, Gensis ( Milestone bank ) have a late payment on my account which is incorrect. The account was closed a month or so after I opened it. I called because a late payment showed on my credit report, they cleared the balance to {$0.00} and sent me a letter saying now the account is closed but did not remove it off my credit report. The late payment should not be on my credit report because the account should have been closed.
Consumer complaint received 2023-07-27
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2018-11-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation (TX)

My car was totaled and bridgecrest was notified on XXXX XXXX. The person who was at fault had their insurance call bridgecrest and say that I was delaying settlement so bridgecrest came and picked up the car on XXXX XXXX so the insurance could get the car. The insurance company lied but bridgecrest did not call me to verify. On the day bridgecrest picked up the car I called and was informed that my gap insurance would cover what the insurance did not so there would not be a balance left over. I waited for an update and I called XX/XX/2018 and spoke with XXXX after they had reported they would remove the line of credit and I advised that I did not agree to that as my gap insurance would pay the car off so I advised they needed to properly update the account as paid in full. XXXX said that the at fault insurance company still had not paid or picked up the car. I advised why not it had been 3 weeks and I asked why no one had contacted the at fault insurance company and I could not get a straight answer. So I called back on the XXXX and spoke with XXXX a supervisor and the at fault insurance company finally came and got the car but still had not paid their portion. XXXX then proceeded to advise me that the deletion of my credit report would not be changed and that bridgecrest had cancelled my gap insurance. She said that they were following procedure and I advised that only when it benefits bridgecrest do they follow procedure and I asked why when I called when the car was repossed and they know it had been totaled out did they not inform me of this and she could not answer that. Later that day again I received 2 calls with 2 voicemails from bridgecrest.  Bridgecrest states that they do not have an updated address but I recently came home to a notice for a letter from them that required a signature but due to daytime delivery I was not home and there were no instructions on how to retrieve what was sent. Bridgecrest picks and chooses when to follow their policies only when it is in their favor and once again have violated the calling procedures for collection attempts again for the third time. I also can not even access the account to retrieve any information.
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (IN)

My son passed away in XXXX of 2021. He had an account with Direct Express for his social security XXXX. Im his mother and submitted all the legal paperwork to receive his balance. They reached out to me in XXXX and gave me a ticket number. Ive called several times and emailed with no resolution. I get a email that says someone will be assigned to me but they never follow through.
Consumer complaint received 2018-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

My company has increased the escrow amount of my mortgage because of an error on their part and continually refuse to look into it. I recently received a letter form the Tax Collectors of my City telling me that my taxes were delinquent due to non payment. Since this is included in my mortgage payment, I immediately called my mortgage company to have this investigated. A few weeks later, someone from the mortgage company called me to inform me that the payment to the tax collectors office was made to an erroneous account hence it was not credited to my parcel and that this was being taken care of. A year later, I got a notice from the mortgage company along with my escrow analysis report saying that my mortgage payment was being increased due to a deficit. Upon review of the escrow analysis report, I noticed that the taxes for the first year was paid twice and past the delinquent point. Again, I called the mortgage company several times to resolve this, I keep getting the run around and no one has been able to help me resolve this. It now has been more than a year trying to get this fixed to no avail.
Consumer complaint received 2023-01-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BMO Bank, N.A. (MD)

I opened a XXXX  account with BMO on XX/XX/XXXX. Prior to that I had no accounts with BMO. 

I linked my checking account at XXXX  with BMO to deposit the initial funds into the BMO XXXX. 

On XX/XX/XXXX, the funds were debited from my XXXX account in the amount of {$200000.00}. I am including the confirmation from BMO that the account was funded as an attachment. 

I lost access to the account website on XX/XX/XXXX. All of a sudden my log in credentials no longer worked. I called the bank and spoke to XXXX XXXX XXXX ) regarding my account ending with XXXX. I believe he works in their fraud department, and he requested I email him sensitive information ( SS XXXX License ), which I provided to him. I asked him to call me with confirmation of receipt of this info but I never heard back. 

I called XXXX back numerous times over a XXXX hour time period on Friday XXXX. His voicemail is a recording that XXXX is not available and to leave a message. 

Eventually I connected with XXXX ( XXXX ) at BMO on XX/XX/2023. 
She confirmed the account was opened on XXXX I confirmed the following with her based on previous emails and conversations with BMO employees : a. explained XXXX shows the transfer went through b. My back and forth with XXXX XXXX explained that I received XXXX emails about trouble funding the account and XXXX snail mail letter from the Fraud department all on Tuesday, XX/XX/2023 ( attached ) XXXX I told XXXX I want to move forward quickly unlocking this account - they can reverse the funds back to Ally or I will send complaints to CFPB & OCC. 

XXXX put me on hold while looking into the transfer from XXXX. 
As per XXXX : XXXX. The funds became available to BMO XXXX XXXX. BMO was unable to accept the funds. I asked why not and she told me there is no explanation showing on her computer. 
XXXX. She said the funds are being returned to my XXXX account. It will take XXXX business days and they should show in my account on XXXX ( these dates are from XXXX ) My Ally account as of XXXX still does not show that the funds have been returned to my XXXX account.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY (TX)

I had a auto loan with this bank. I received a notice that I was entitled to money when I sold it to another dealer. The money was due to a gap policy. When I received the notice the due date had already passed. I was not able to work this out with the bank.
Consumer complaint received 2021-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc. (AZ)

Thunderbird collection Specialist Inc placed a collection account on my credit bureaus that does not belong to me. They just decided I am responsible for this debt for XXXX XXXX XXXX. I am not and have never been seen or consulted by any doctors with this organization. They fraudulently report this to the credit bureaus in effort to illegally force me to pay this bill that is not mine. They have no documents showing I received services or requested services from this provider. It is not my bill, I demanded they remove my name any and all of my personal information from their system. I have never received services from this provider. This has impacted my credit substantially and is causing me a great deal of stress.
Consumer complaint received 2018-11-28
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. (MD)

I've been in contact with XXXX since XX/XX/2018 due to the incorrect reporting of my loan structure and misinformation during the time of my loan setup. 
The first issue is my loan is being reported on my credit as three separate loans based on disbursement when the online XXXX website two balances. Group A and Group B ( Which you would think means 2 loans ) However, after missing 6 months of payments which I thought would only be 6 missed payments- I've now received 18 missed payments for those 6 months and I was never told that I had three loans. Online it actually only shows that I have two groups ; meaning two loans. I was never told that my one payment was being dispersed to three different loans and If I missed one payment I would miss a total of three because I thought that If I was paying off three accounts I would have three payments coming from my card and not one.