davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

on XX/XX/XXXX my mortgage servicer paid the county tax bill of {$2500.00}, which resulted in a - {$1200.00} escrow balance. The problem is, per the county auditor site, my tax bill was only {$1300.00}, and, after further research, I discovered that the parcel # that was paid did not belong to me. Since my taxes were not paid on time, I was charged a fee of {$130.00}. During this time. I was looking to refinance my loan to get into a better interest rate by taking advantage of the VA IRRL program. While reviewing the closing documents on my new loan, I noticed that there were delinquent taxes being rolled into my loan, and that is when it was discovered that the wrong parcel was paid. On XX/XX/XXXX, I called Mr Cooper to escalate the issue of the wrong parcel being paid, and advised them that I was in the process of refinancing. They advised me that they will escalate the issue and will get it corrected and, if the loan is paid off, I will get a refund in the mail. They promised to reach out to me in a couple of weeks once resolved. On XX/XX/XXXX I signed my closing documents for the new loan, which had the delinquent tax amount of {$1500.00} being added on the new loan. My loan with Mr. Cooper was paid off on XX/XX/XXXX. On XX/XX/XXXX, I called Mr. Cooper to check on the status of my refund. At that time I was told that everything is still being processed, and there was a case open to look into my tax escalation. I was told to give it a few more days for an update. I called back on XX/XX/XXXX and was told that my case had been closed since my loan was paid off, and the tax department could not do anything on my account. I was transferred to the escalation department and spoke with XXXX, who stepped up and owned the issue and apologized that the case was just closed without correcting the mistake. She attempted to reach out to the county auditor to find out how to start the refund process. She advised me she would follow up with me once she has a response. I followed up with XXXX on XX/XX/XXXX by email, with no response, then I called on XX/XX/XXXX to speak with her, but she was unavailable so I was transferred to another escalations representative. I, again, was told that there is nothing they can do since my loan was paid off. I had to explain the whole situation again about it was their error for paying the wrong parcel, that money was taken out of my escrow account to pay someone else 's taxes, and that is the responsibility of servicer to fix that. The representative agreed that they should fix the issue. I was told that they will research and give me a call back by end of day. Again, this call took place on XX/XX/XXXX, and I still have not received a call back from Mr. Cooper about the escrow issue. 

I should not have to continue to call and escalate this to get traction on an error that this loan servicer made. I am owed the total amount of {$2700.00} ( which includes the XXXX fee for paying my taxes late )
Consumer complaint received 2022-10-15
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. (CA)

XXXX/XXXX  # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (CA)

XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, BALANCE OWED, DISPUTE STATUS, CREDIT LIMIT, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Consumer complaint received 2023-03-25
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital auto account is no obligation of mines 15 usc 1692b. I did not open this account FTC file. Creditor keep reporting the information is accurate with of complete a full investigation, 15 use 1681 ( A ) ( E ) - you have to do an interview with my family associated and neighbors and this was not done this account is also in violation of 15 usc 1681b, 15 usc 1692f, 15 usc 1692e, 15 usc 1692d, 15 usc 1692j
Consumer complaint received 2023-02-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: OPTUM BANK, INC. (FL)

I have an account with Optum Financial that was transferred to them after I left my employer. Originally the account was held by XXXX XXXX  but transferred to Optum Financial. I have been in contact with Optum 's help line since XX/XX/2022 trying to resolve a {$40.00} charge to my account. After XXXX calls and countless hours trying to get an answer, they have not answered my questions about why {$39.00} was charged in one month when their weekly fee is {$3.00}. They also redirected me 3 separate times to XXXX XXXX, who I also called and said they were not the ones who charged the fees -- Optum did. In my most recent open case, the company never called me back as they had promised and instead closed the case with no explanation via email. 

I have run out of ways to resolve this directly with the company as they are not responsive and I do not want to continue wasting hours on the phone with them. It is unacceptable that a company charges fees and then gives consumers no way to understand or dispute them.
Consumer complaint received 2016-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

This loan originated in 1987 and was originally with Fifth Third Bank. It was sold to another company and was PAID OFF AS AGREED. Actually, the loan was overpaid by XXXX payment which resulted in a refund of the last payment. I do not remember the name of the company that bought the loan, but they sold it to another company as a receivable loan, which was fraudulent. I have had several collection companies trying to collect this loan throughout the past 25 years and is fraudulent. Apparently each of the companies that bought the loan kept reselling it as a receivable.
Consumer complaint received 2024-02-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

This disregard for the law, specifically the Fair Credit Reporting Act ( FCRA ), which mandates the investigation of disputed information, is unacceptable. I am writing to express my extreme dissatisfaction with your company 's failure to address the inaccurate information on my personal credit profile, particularly concerning the account : XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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)

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely.
Consumer complaint received 2020-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (IL)

Per my previous complaint against the bank I spoke with PNC bank corporate and was told that they were crediting the account and that I would have a balance of negative {$140.00} that I could bring back positive by making deposits when my social security hits which is on the first and third of every month. The representative told me that she would put a note on the account not to close the account since at the time of the initial complaint the account was over drafted for a while. 

PNC did not honor the terms previously discussed and agreed upon they instead closed the account and increased the amount from {$140.00} dollars to more than {$210.00} dollars so they just completed lied about the resolution terms and retracted the agreement previouslt agreed upon.
Consumer complaint received 2023-03-25
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2019-08-21
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. (IL)

On XX/XX/XXXX, I went into XXXX 's XXXX in XXXX XXXX Illinois. I understood that they would need to pull credit report to finance the car. Om XX/XX/XXXX I pulled a free credit report from XXXX that showed 6 hard hits, 3 being the date on which I purchased my car. On XX/XX/XXXX, I called Transunion regarding the 3 inquiries dated XX/XX/XXXX, from XXXX, XXXX, XXXX XXXX, I stated why is it showing 3 hard hits, it should be one because it was a car loan. They stated there is nothing they could do that I would have to call the individual inquirers to straighten it out. I call XXXX, who informed me it was the Car dealership to remove the inquires that they knew how to do it. I call them and spoke to someone in finance who informed me that of course my score would be lower I have a new loan. I informed him, I already went through the " dip '' of a new loan and this had to do with the inquires. He told me that XXXX would call me. I was unable to speak with XXXX on Friday XX/XX/XXXX when he called. I went to pull the report from XXXX XXXX to pull the report which sent me to you through an article that they had on file. I spoke with XXXX from your office on Monday. I am attaching the copy of the XXXX XXXX report. Any assistance will be greatly appreciated.
Consumer complaint received 2016-08-03
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company (NC)

I have been contacted multiple times by my mortgage company, Freedom Mortgage in reference to refinancing. I have advised them multiple times that I have recently refinanced but the calls continue. I have also advised them that I no longer wish to be contacted about the issue but the calls still are occurring on a daily basis.
Consumer complaint received 2023-03-25
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$310.00}, XXXX XXXX  XXXX Balance : {$130.00}, XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2021-06-16
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: Experian Information Solutions Inc. (IL)

I sent a dispute to the bureaus on XX/XX/2021 regarding inquiries that I have not authorized. There are no physical signatures of mine on any applications nor do I have any open accounts on my credit report reflecting these! Since the bureaus didn't respond to me in 30 days, I sent another dispute on XX/XX/2021 and again today, XX/XX/2021. It has been almost 5 months of disputing with not 1 response from the bureaus. This is unethical, unprofessional and wrong that the bureaus are not doing their part!
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (GA)

Eastern Account System Original Creditor : XXXX XXXX XXXX Open balance : XXXX After reviewing my credit profile. I identified this INACCURATE FRAUDULENT ACCOUNT under Eastern Account System. I have not received any correspondence from the creditor to validate this account is correctly belonging to me, nor has my credit report been updated to reflect this account is disputed and therefore a XXXX validation letter was sent out on this day, After reviewing credit report again on XX/XX/2022 there has been no updates and account is still reflecting on my report. This account does not belong to me nor does the creditor have authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. 

At this time, I will also inform you that your offices have reported invalidated information to all XXXX credit bureaus ( XXXX, XXXX, and XXXX ) this action will constitute fraud under both Federal and State laws. Due to this fact. If any negative mark is found on any of my credit reports by your company that you represent I will not hesitate in brining LEGAL ACTIONS against you and your client for the following Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collections Act, and Defamation of Character. 

15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C.

Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2016-11-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMO Bank, N.A. (IA)

My auto loan bank, BMO Harris, is not allowing me to access my loan information online and is making it extremely difficult to access loan information by phone. I just got caught up on my loan payments as I got behind when I got laid off from my job. When I was in default, the bank said I would not be able to set up an online account to look at my information and make payments. I understood, but then I got caught up on my payments so I owed {$XXXX} as of XX/XX/2016. I called to set up online banking but they told me I could not set up online banking because I was once in default and now can never set it up. This is very problematic for me because I need to be able to access my account to keep caught up on my payments. Today it says I owe {$440.00} dollars - three days later - and I do n't know how. My monthly payment is supposed to b {$290.00} so I do n't know what the extra charge is and I ca n't go look on my online account to see. I tried to call and the auto loan management number, which always works, wo n't register my social security number or auto loan number after calling and attempting at least a dozen times. I can not talk to anyone at BMO without getting through typing in a valid SSN or loan number so I can not talk to anyone about these charges. BMO seems to be deliberately making it difficult for me to make my auto loan payments. They have also tried to repossess my car unlawfully, citing that I owed {$4000.00} when I really owed {$400.00} and had made the payment but they had n't processed it yet. They are not working with me to allow me to make timely payments and wo n't let me have access to the information I need. It 's like they want me to default so that they can re-possess the car. I will not sit by while this happens to me and they keep making unlawful charges and not helping me pay.
Consumer complaint received 2022-10-15
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. (FL)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Name and Number XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

On XX/XX/2019, someone obtained my personal information and fraudulently opened a Kohl 's credit card in my name, as well as applied for 2 other store credit cards with out my knowledge. The Card was sent to my address, as well as a letter in a separate envelope from Kohl 's stating they couldn't verify my information, and suspected fraud, yet they continued to open the credit card anyways. I was completely unaware of any of this. I check my credit on a weekly basis, and nothing showed up on my credit until a week after the events occurred. I contacted all three credit bureaus to place a fraud alert for one year on my credit file. I called Kohl 's to let them know of the fraudulent activity. They said they would close the account, and make the inquiry a soft inquiry instead of a hard inquiry. Then a few days later the Kohls credit card showed up on another credit bureau, which I will now have to contact them again and have that removed as well.
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose