davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
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: WAKEFIELD & ASSOCIATES, INC. (SC)

I am distressed that the reporting agencies are reporting false information. I have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Also On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-11-06
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: ALLY FINANCIAL INC. (GA)

In or around XXXX my Identity was stolen and used to open several auto loans and credit cards without my consent. I would like to have this removed from my credit as soon as possible because I should not be punished for being a victim.
Consumer complaint received 2022-04-06
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. (CA)

I am submitting this complaint against Equifax for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me XXXX XXXX XXXX XXXX I need EQUIFAX to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OH)

This third party, off brand reporting company called Lexis Nexis consumer center is in violation of interfering with disputed/investigation of reporting. During the investigation process it was determined removal of sabotaged tampered with accounts due to bankruptcy debt buying and resold debt, this Lexis Nexis company unlawfully and unfairly has the removed accounts resubmitted onto the credit report after they were to be removed. This company has never ever reported to my credit report and will NOT start now. I have become a victim of the worst kind of credit reporting and the company will face charges along with all other agencies involved.
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (CA)

On XXXX XXXX XXXX XXXX I called Caine & Wiener To talk about it that they had previously had XXXX that they bought out. I spoke with a lady about doing a payment to delete in a settlement that we both agreed at {$40.00} to process a pay to delete. I was very clear about me paying this debt off as assignment as well as a payment to delete and the representative told me yes this would delete the dead and Im a get a letter in the mail in 30 days after completing this. The representative took my information and card number and processed a payment and told me I would get a letter in the mail in 30 days. After looking at my credit Ive seen that this account has been closed but not deleted off my credit score which was what we did not agree upon. I called her I presented today and was informed that since I made a settlement that it would not be a deletion but a closed account which was not what I was informed last time when I called the company. The company lied about what they would promise me in order to see a payment.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (MN)

My XXXX year old father banks with BMO Harris. I recently became the activated power of attorney for his finances. I need to manage his accounts in order to pay bills related to his home while he is in a XXXX XXXX XXXX I live XXXX miles away from his local bank branch. 

His personal branch banker was very helpful in getting me added to his accounts as a signer and POA. She was responsive, friendly, and set me up with an online banking profile to manage his affairs. 

Since then, BMO 's online banking team has made it impossible to manage his affairs. First, his accounts were not added to his profile. Then, the platform would not permit multi-factor authentication even though my correct contact information was on file. Then, the platform removed my telephone number from the profile without my consent and locked me from the account. THEN, I spent hours over the course of an entire week unable to contact a customer service representative to unlock the account. The " contact us '' options on the BMO website all route to the telephone number that has gone unanswered. 

I am prepared to move all his assets away from BMO Harris after this experience, because I do not trust their ability to let me manage it- but because I can't get in or reach a representative, it feels like the bank is holding his assets hostage.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I My Experian Credit report missed two addresses first lived from XXXX to XXXX and second from XXXX to XXXX, ( and too many many of the same address I had rented for a short period of time a bedroom only for 3 months XXXX XXXX XXXX repeated as my residence ) ... I followed directives sending ID documentation along with a typed printout of my addresses in chronological order to as advised to : Experian XXXX XXXX XXXX, XXXX TX XXXX that was returned " Return To Sender No Such Number Unable to Forward ''. 

Furthermore, my attempt to generate a credit report via Experian, I got twice the notification it would not recognize my profile no such information credit report ( my correct SSN, Addresses, Name, DOB were entered ), and unrecognized ... That is a HUGE concern and red flag. 

Please advise if there should be a different address for Experian I should forward my documentation and request to fix any discrepancies for my credit report.
Consumer complaint received 2023-01-08
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. (NC)

In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681.

Online Information Services Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions.

15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years.

15 USC 1681 s-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 an accurate.
Consumer complaint received 2019-02-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$6500.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Consumer complaint received 2021-02-24
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: EQUIFAX, INC. (GA)

I FILED A DISPUTE LAST XX/XX/21 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER XXXX DAYS. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2021-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TN)

XXXX XXXX uses XXXX XXXX to process their payments. My payments, principal, interest, taxes and insurance are XXXX a month. However, in XXXX of 2021 my payment was XXXX which raised an alarm because it is automatically debited from my account. I have contacted them several times. They come up with this line of hoopla that my taxes and insurance have risen, which is a complete lie. I have proof from insurance and tax records that this company is stealing extra claiming it is needed for escrow. They need to be investigated further. I have gotten the rudest people and nothing but continuous loops with non existent customer service. Go to find out this company has numerous complaints regarding extra funds taken out, when they shouldn't be.
Consumer complaint received 2019-02-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$8000.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Consumer complaint received 2021-02-24
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FMA Alliance, Ltd. (TX)

I sent written communication disputing the validity of the debt and informing them not to make any further attempts to communicate with me regarding collection of the debt without first providing written verification. No written verification was received and i have not only received repeated phone calls, but continued written correspondence attempting to collect the debt that is being disputed.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I, XXXX XXXX, am a consumer of the United States and anything purchased with my credit card remains the obligation of the United States pursuant XXXX XXXX XXXX. I the consumer never gave XXXX XXXX XXXX XXXX any written consent to report anything on my consumer report which is a direct violation of XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX XXXX has used abusive practices violating my privacy pursuant XXXX XXXX XXXX ( a ). XXXX XXXX XXXX XXXX has abused me by harming my consumer reputation, poorly affecting my credit score and worthiness and harming the chances of me purchasing a home. Pursuant FCRA XXXX XXXX XXXX ( XXXX ). XXXX XXXX used profane language in my consumer report pursuant XXXX XXXX XXXX ( XXXX ). XXXX XXXX has repeatedly knowing and willfully violated my consumer rights protected by FDCPA XXXX FCRA. You will be held criminally liable pursuant XXXX XXXX XXXX and civilly liable for all violations XXXX XXXX XXXX. Attached to this letter is labeled as Exhibit A shows proof of these violations. Also attached is an invoice for violating my federally protected consumer rights which is to be paid by check. Also as my remedy I demand reversal of late payments from all my consumer reports, from all consumer reporting agencies and an increased credit limit of {$2000.00}.
Consumer complaint received 2021-05-19
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. (TX)

The information in the attachments with no Creditors how can I legally pay for something or be obligated when I don't know who it is!? 
FRCA violations : see below and attachments :
Consumer complaint received 2024-04-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC (VA)

Attempted to resolved outstanding balance on account. Sent offer of settlement with letter agreeing to accepting term of settlement. Payment towards settlement returned. 
Since this payment was refused, I DO NOT owe any balances. 
I request a formal written statement from the company that this account has been closed and satisfied. Hopefully, the written statement does not look like a XXXX XXXX XXXX wrote it. Please see attached.
Consumer complaint received 2022-08-09
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. (TX)

I have unauthorized inquiries on my credit report 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
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BMO Bank, N.A. (WA)

Sold property at XXXX XXXX XXXX XXXX # XXXX XXXX AZ on XX/XX/XXXX. We have called the bank 5 times trying to get a refund of our escrow account as of today XX/XX/XXXX still no refund. From BMO bank
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (MD)

Received a letter stating I requested to be considered for a Venmo Visa Credit Card account on XX/XX/2022. We regret we are unable to approve request for the following reason : We were unable to verify your identity. '' Reference : XXXX. 

I NEVER applied for a Venmo Visa Credit card. I am notifying the company of this fraudulent action. The inquiry from PAYPAL via SYNCBVENMO was listed under Account Review Inquiries on my XXXX XXXX credit report.
Consumer complaint received 2021-04-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have started this back in XXXX, where I felt that there items on my credit report that were inaccurate, the credit bureau responded and stated that the items were verified and accurate. On XX/XX/21 I sent another certified letter asking to provide me the process on how these items were verified. Its is now XX/XX/21 and I still have not received any proof. I think it's weird that it would take this long to provide proof when they sent me in writing that these items are verified. In on top of that I believe my rights are being violated, these items are definitely don't belong to me. Please help with fixing this issue
Consumer complaint received 2021-04-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have started this back in XXXX, where I felt that there items on my credit report that were inaccurate, the credit bureau responded and stated that the items were verified and accurate. On XX/XX/21 I sent another certified letter asking to provide me the process on how these items were verified. Its is now XX/XX/21 and I still have not received any proof. I think it's weird that it would take this long to provide proof when they sent me in writing that these items are verified. In on top of that I believe my rights are being violated, these items are definitely don't belong to me. Please help with fixing this issue
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I had XXXX $ in funds from my account used in unauthorized transactions. I received an email from chase stating that my debit card had been added to XXXX XXXX  on XX/XX/XXXX, then a total of nearly 8 charges ranging from XXXX $ ensued in the following minutes meanwhile I had called the number on the back of my card immediately notifying and thus freezing and disabling my card. The charges all contained names that lead me to believe that they were done in XXXX XXXX, XXXX which I have no connection to and have never been to or purchased anything from. I then filed and waiting on calls for numerous hours which proceeding into me receiving provisional credit and a new card. Then on XXXX I receive an email stating the provisional credit of XXXX $ was being removed on my account on XX/XX/XXXX, an amount that is extremely large. How could my bank see charges totaling XXXX $ to a foreign country and recieve my call while it has happening and still not consider it fraud
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (IL)

Equifax is reporting unverified inaccurate bankruptcy on my credit report claiming the information was verified by data furnisher XXXX. So I went to XXXX directly to verify and as a result of there investigation, they are not showing any bankruptcy on there files. I sent the results of the investigation to Equifax numerous times to show there is no bankruptcy in my file with the data furnisher XXXX. Equifax responded on XX/XX/21 confirmation XXXX, XX/XX/21 confirmation # XXXX, and XX/XX/21 with confirmation # XXXX all saying the bankruptcy was verified as accurate. How can Equifax verify information that does not exist in there files as of XX/XX/21, letters enclosed? Equifax seems to not be verifying the letters sent or totally ignoring my request to delete the unverified bankruptcy from my report by just sending computer generated responses.