davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-07
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: Experian Information Solutions Inc. (TN)

To my knowledge, I have not signed any documents authorizing the following companies too view my credit history therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

XXXX XXXX Inquiry from XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ... Experian XXXX for XXXX Inquiry from XX/XX/XXXX ... XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (FL)

I received notice from XXXX that there was a collection added to my report and because I didnt know who the company was, XXXX looked up the information and told me that the collection agency was professional debt management and the original company was XXXX at XXXX XXXX XXXX I moved over a year ago from this property but last month I was advised the company sold a debt I knew nothing about to a collection agency. XX/XX/XXXX I moved into my new home of which I closed on my home XX/XX/XXXX. I coordinated a key return to the old apartment complex on XX/XX/XXXX as the office has Covid hours of operation and appointments were needed to ensure office staff was present to the public. I had been in contact with the landlord prior to my key return to close out the account and notify the company that the apartment had been vacated. I was advised that proof of written notification had to be given of my intent to move as verbal was not sufficient. I forwarded an email thread to prove that in XX/XX/XXXX I advised the company I would be moving in XXXX of XXXX. A year later an account statement has been sent to me from XXXX that I never knew existed and no one will explain or resolve as I had not been given a chance to rectify. I was told XX/XX/XXXX the account was satisfied at XXXX XXXX.
Consumer complaint received 2019-09-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (IL)

Section 1463 of the Dodd-Frank Financial Reform Act ( the Dodd-Frank Act ), which took effect in XX/XX/XXXX, contains several important modifications to the QWR provisions of RESPA. First, a servicer must now acknowledge receipt of a QWR within 5 business days ( previously 20 days ) and must provide a substantive response to the borrower within business 30 days ( previously 60 days ), with a possible 15-day extension if the servicer sends the borrower notice of the extension and its reason for the delay in responding. See 12 U.S.C. 2605 ( e ) ( 1 ) ( A ) ; 12 U.S.C. 2605 ( e ) ( 2 ) ; 12 U.S.C. 2605 ( e ) ( 4 ). 
Mr. Cooper never fulfilled their obligation concerning the time-lines stated above. I never received a reply until months later for a QWR Certified Letter to Seterus, Inc., received on XX/XX/XXXX - prior to Mr. Coopers acquisition of Seterus, Inc. Now Mr. Copper claims that it received my letter to Seterus on XX/XX/XXXX when they tool over Seterus Inc. , and that letter was signed for on XX/XX/XXXX by Seterus Inc. , agents - setting the tine-line for response. After no response to the XX/XX/XXXX letter and after many phone calls to Mr. Coopers designated Contact persons, whom I was instructed to contact, I made clear that I never received their response within the allotted time as per above. Next, I sent via Certified U.S. Mail a completely new 14 page letter addressed to Mr. Cooper. This letter required a specific response sent certified return receipt, and Mr. Cooper failed to respond to that correspondence entirely.
Consumer complaint received 2024-02-09
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. (NJ)

IN ACCORDANCE WITH FRCA THIS CREDITOR XXXX/XXXX  XXXX XXXX HAVE VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS LASTLY UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.
Consumer complaint received 2023-06-30
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2019-02-07
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: Experian Information Solutions Inc. (MO)

Credit bureaus failed to provide proof that account belongs to me, and yet allowed the creditor to resubmit another account from the same creditor with the date of XX/XX/XXXX, with no balance or debt. Another account dated XX/XX/XXXX that's passed 30 days with no validation on this account.
Consumer complaint received 2019-02-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (IL)

I am filing this complaint because when Harris Bank upgraded its online mobile and online banking system, it opted me in to services I did not agree to and is not allowing me access to my overdraft line of credit balance and payment history. On XX/XX/19, Harris upgraded its online and mobile banking platform without prior notification to customers. When I attempted to log in on XX/XX/19 via my mobile device, I received an error message advising me that the app was no longer active and advised me to download the updated app. Harris Bank has multiple apps and the message did not specify which app to download. After several attempts, I did have the correct app but it kept crashing when I tried to pay my bills. I paid my bills online via my PC and sent a message to the Bank via my online messaging center regarding the functionality and difficulty with this new platform, but received no response as of this date. On XXXX I contacted the XXXX help desk to ask how I can turn off the constant e-mail messaging I was now getting from Harris each time a bill was paid from my account and how to de-activate the e-bill option. Harris had started converting my bills to e-bills without my consent. While this conversion was only for 90 days and I would still receive paper bills, it was a service I did not opt in for and they had no method of allowing me to cancel it. After being on hold for 1/2 hour, I did reach a representative who was not able to assist, even after troubleshooting with me. She transferred me to technical support and my call was dropped. No one called or emailed me back with additional information. On XXXX I received a notice that my overdraft line of credit activated. When I logged into my account both via PC and mobile, I could not find the line of credit. It was not listed with my accounts as it had been in the past. I called the help desk and the rep was not able to assist me and did not appear to be familiar with the new platform. She transferred me to technical support. I am typing this while on hold, clocking in at 45 minutes now. During a review of BMO 's mobile app since the new platform, I noted 473 1-star ratings and 54 2-star ratings. Harris ' XXXX feed has dozens of complaints related to this upgrade. The BMO digital app for XXXX  also has dozens of posts of users being frustrated with this app. The saving grace for the individuals posting on XXXX and XXXX  app platforms is that they received a response back from Harris. I have yet to be contacted. I was told by the rep that if a call is dropped, they are not allowed to call the customer back. I have now clocked in at 53 minutes on hold and will hang up. Harris Bank has a responsibility to listen to these complaints and at minimum, have appropriate ( trained ) staff available to handle calls and consumer complaints.
Consumer complaint received 2023-06-30
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. (NC)

I reached out to XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX Card refuses to report correct balance to Credit Reporting Agencies. I have warned XXXX Customer Service that they are ruining my credit score because they refuse to report the correct balance on time each month. Currently the entire balance has been paid off as of XX/XX/2023, and I filed a dispute twice with Experian, and XXXX responded lying and stating that I owed them {$130.00}. I can prove with my bank statement that I paid the account off. It is very important that credit card companies submit the correct information each month to the credit reporting agencies. 
My credit score is low and I should have excellent credit with a much higher score over XXXX. I am now canceling the XXXX account after XXXX years of trying to improve my credit score and they continue to lie to the credit agencies. My next step is to file a lawsuit against XXXX for violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-19
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: WELLS FARGO & COMPANY (PA)

I obtained A Wells Fargo secured credit card at a young age at a time I was not financial literate or responsible thus resulting in me over spending and allowing the account to go to collections. On XX/XX/XXXX I went into a branch and spoke with a woman who stated that if I paid it off in full it would not only close but it would also be removed from my credit. 

As I apply for new credit cards in almost XXXX  with the credit score of XXXX I am frequently denied for this account even though it was paid in full and closed. I have reached out and spoke to them directly and they are stating they will not remove the account.
Consumer complaint received 2024-02-09
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-02-07
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. (MO)

Credit bureaus failed to provide proof that account belongs to me, and yet allowed the creditor to resubmit another account from the same creditor with the date of XX/XX/XXXX, with no balance or debt. Another account dated XX/XX/XXXX that's passed 30 days with no validation on this account.
Consumer complaint received 2019-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Credit bureaus failed to provide proof that account belongs to me, and yet allowed the creditor to resubmit another account from the same creditor with the date of XX/XX/XXXX, with no balance or debt. Another account dated XX/XX/XXXX that's passed 30 days with no validation on this account.
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management (AL)

In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-01-28
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: CITIBANK, N.A. (CA)

SOMEONE GOT A HOLD OF MY PERSONAL INFORMATION. AFTER PULLING MY CREDIT REPORT I NOTICED SEVRAL INQUIRIES OVER THE LAST YEAR THAT II DID NOT APPLY FOR OR AUTHORIES ANYONE ELSE TO APPLY FOR ANY CREDIT IN MY NAME. I HAVE FILED A POLICE REPORT WITH MY LOCAL AUTHORITIES AND HAVE SUBMITTED AN FTC AFFIDAVID IN REGARDS TO THIS MATTER. AND NOW I AM SUBMITTING A COMPLAINT WITH YOU TO HAVE THESE ITEMS REMOVED.
Consumer complaint received 2022-09-06
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: Experian Information Solutions Inc. (PA)

My car was been broken into andm y information was stolen and looked at my credit report and seen the these unauthorized inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE FIRM, INC., THE (FL)

I was referred to XXXX XXXX, loan officer, at XXXX XXXX. I sent him all the information. He was impressed of my credit score, no debt and that I was starting a well paying job as an XXXX. He failed to tell me that he was changing companies. Once he changed companies to The Mortgage Firm, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX, he called me and said that I had to switch companies because XXXX XXXX would not give me a loan and that I had to stay with him at his new company. I stupidly believed him. I then resent everything that I had previously sent. I was approved for a loan of $ XXXX with 25 % down for a condo located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL. Everything started on XX/XX/XXXX at new company and I was to close on either XX/XX/XXXX or XX/XX/XXXX depending on if everything could be processed. XXXX received the condo information during this period and on XX/XX/XXXX called me as I was on my way to do the final walk through and told me that I now had to pay $ XXXX more ( $ XXXX to $ XXXX down ) or I could not close on the condo. He blamed it on the associations rules. I told him I did not have any more money. He then said that I lost the loan and did not offer any other possibilities. Now, because of this, I am losing $ XXXX in escrow and The Mortgage Firm is billing me for the appraisal which I never received a copy of or any information from The Mortgage Firm that it was completed and did not know any upfront prices. XXXX 's manager is XXXX XXXX and she is demanding the money. I want to report this company for fraud. I lost the loan because they did not provide the required information in a timely manor. I appreciate any help you can provide.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (SC)

I realized this year there was a credit card in my name that I never opened, I filed a ftc report and submitted it to the bureaus, I spoke to the bureaus in regards to the account as fraud, after I submitted the report, it is still there on my report. I spoke to navy, and in order to open a credit card with navy, you have to have a checking account as well, which I do not have, I spoke to the banking side, which couldn't find a banking account which was strange. If you look at my credit profile I dont even have much credit. I'm just starting out. Anyway, they transfered me to cards, I explained to them that I never had an account, they haven't sent any docs to verify any accounts, and Ive disputed it soo many times. Pursuant to 15usc1681b no permissible purpose, FALSELY placing a account on my consumer report is grounds for imprisonment or {$1000.00} for the violation.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-06
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. (IL)

15 U.S. Code 1681- Congressional findings and statement of purpose ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Experian did not fulfill their obligation and GRAVE responsibility. Experian acted in an unfair manner and was partial. Furthermore, Experian did not hold respect to my right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They never had the right to start the report nor did I give Experian written or other expressed consent or permission to start this report from the beginning.
Consumer complaint received 2020-08-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion refuses to properly investigate item on my credit report. Other 2 agencies found it not to be mine ; all TU will do is send me a generic postcard with how they investigate ; they send no proof ( because there isn't any ) ; they are violating my rights and NEED TO BE FINED {$1000.00}. This has gone on for MONTHS. Acct : The First, XXXX # XXXX ; XXXX XXXX XXXX, XXXX MS XXXX. States payment of XXXX/mo resulting in chargeoff XX/XX/2020. This is not my acct. Only TU states it IS my acct. Yet they furnish NO PROOF. I have followed the process, certified mail, etc., they only send back a preprinted generic postcard. THIS VIOLATES FCRA. 

I have contacted them so many times. They make it as hard as possible, for example, shutting down all FAX communications, very hard to reach them by phone. I do have ALL my certified mail receipts and copies of all correspondence. 

WHAT THEY ARE DOING IS FRAUDULENT, claiming they investigated when they did not.