davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-25
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: Advanced Resolution Services Inc. (GA)

A dispute was submitted to ARS ( Advanced Resolution Services ), formerly known as XXXX XXXX, regarding a bankruptcy on my consumer disclosure credit report with ARS. An improper investigation was conducted, such as not following proper procedures per FCRA ; thus violating FCRA rules. Since ARS failed to properly investigate this matter, I feel the bankruptcy should be removed from my credit report immediately. 

I hereby demand, per FCRA 611 ( 15 U.S.C. 1681I ) that ARS provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. ARS is required to provide the following within 15 days of receiving this request : The name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy. I also demand to know who ARS referred this dispute to ; and who responded back with the required verification. FCRA Section 611 ( a ) ( 2 ) requires you to contact the furnisher of the information. 
PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, ARS 's claim that PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires notifying the party who furnished the disputed information, ARS is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices. '' Furthermore, ARS claim could potentially constitute a violation of Title 18 United States Code - Section 1028. 

Again, I am demanding a re-investigation AND the method of verification with the information furnisher. 

Attached to this complaint is a copy of my initial dispute letter dated XX/XX/2018 and a copy of the response form ARS.
Consumer complaint received 2018-07-25
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. (WI)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. They have ignored repeated requests to verify this account under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2017-12-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX noticed there inaccuracies on credit report phone in and wrote letters to have items investigated have not received results nor has items been removed ; accounts addressed were : 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. And XXXX has never been late
Consumer complaint received 2022-02-01
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. (TX)

I sent a letter on XX/XX/22 requesting to be removed as an authorized user from an account. I have yet to receive a response. Also, the authorized user account still remains on our credit report.
Consumer complaint received 2023-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VA)

My mortgage was bought by Roundpoint mortgage servicing corporation effective XXXX. I still have not received a package with my loan number as of XXXX. I called and got a loan number and later got a different loan number via email. I have emailed twice and gotten a response today ( XXXX ) they are looking into this. I am very concerned this will affect my credit rating. The only reason I am unable to pay is I can ; t get a welcome package. I am also concerned because my escrow payments and home insurance are still listing my old mortgage sevicer.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Savings account
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: NAVY FEDERAL CREDIT UNION (VA)

My account at navy was hacked federal 2 months ago and everytime I call them I get the run around first they told me it would be 20 days to get my money back then 45 days then 60 days now 90 days please check into this for me
Consumer complaint received 2021-11-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Rushmore Loan took over servicing of my mortgage for XXXX XXXX XXXX discriminated against me. They refused to honor previous modifications they refused to verify the debt claiming I did not owe it because it was discharged in bankruptcy, Affirmations verifying the debt were inaccurate according to their own filed documents. When I called about the modifications that they were supposed to honor they claimed they were not valid that payments were not received despite the fact the ledger from the previous servicer listed them. They claimed they needed my copies of payments which I sent only to have their employee tell me they did not have to honor it and that if I wanted to keep my home I should learn to pay my bills. 
They have recorded the XXXX payments for the first modification and XXXX payments for the XXXX modification and a letter stating an agreement for a modification from XXXX. The modification payments were never applied to the loan and when a ledger was requested from Rushmore they sent XXXX so small no one could read it they only sent XXXX I could read after they filed for judgment. They have purposely continually discriminated against me despite the fact that I am more than able to make payments XXXXXXXX XXXX AND RUSHMORE DISCRIMINATE AGAINST BORROWERS
Consumer complaint received 2023-02-23
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: TD BANK US HOLDING COMPANY (NY)

In accordance with the fair credit reporting act XXXX account XXXX XXXXXXXX and account XXXX XXXXXXXX has violated my right. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2018-04-05
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. (SC)

I HAVE DISPUTED THE FOLLOWING WITH EXPERIAN : REPORT # XXXXXXXX XXXX XXXX ACCOUNT {$960.00} ( FRAUD ACCOUNT ) XXXX  XXXX HARD INQUIRY DATES XX/XX/XXXX & XX/XX/2018 ( UNAUTHORIZED HARD INQUIRIES ) THE XXXX XXXX {$580.00} ( FRAUD ACCOUNT / NOT MINE ) PREVIOUSLY FILED WITH THE CFPB AND COMPANY STATED THEY WOULD DELETE FROM ALL ( 3 ) MAJOR CREDIT BUREAUS. THIS ACCOUNT STILL REMAINS! ON MY XX/XX/XXXX CREDIT REPORT & MY EXPERIAN/XX/XX/XXXX CREDIT REPORT. 
**EXPERIAN UPLOAD DOCUMENT WEBSITE HAS A GLITCH AND STATES THAT YOU NEED TO MAIL DOCUMENTS TO : EXPERIAN XXXX XX/XX/XXXX XXXX XXXX TX XXXX ATTN : FRAUD DEPARTMENT. ** THIS IS A STALL TACTIC TO ME. THAT'S WHY I DECIDED TO UPLOAD THE DOCUMENTS TO SUPPORT MY CLAIM VIA THE CFPB COMPLAINT WEBSITE, TO IMMEDIATLEY REMOVE THESE ACCOUNTS.
Consumer complaint received 2018-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a email from XXXX to see about my dispute. First off I am a victim of major identity theft. Why these people emailing my sending documents to my address? I well Told all three companies to mail me everything. The person who stole my identity has my email address. First they told me that XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX XXXX XXXXXXXX , XXXX XXXX XXXX XXXX , was right and current. They are extremely Wrong. These companies I never opened. Got a car loan or got credit. It was done by XXXX XXXX who stole my identity. He opened them I am not responsible for these accounts.Did you not get my information well here is the documents. Also I have a credit Freeze, fraud alert on all 3 credit reports. Trains Union and XXXX  aloud banks to inquire my report. The documents are uploaded. I also uploaded my police report and confession letter stating XXXX XXXX confession to the crime. This letter was written by him. He is still trying to get another drivers license from the DMV. He is using my personal information to inquire for credit car, loans. FIX this information NOW!. XXXX  did nothing. I also uploaded my driver license and a copy of a utility bill to prove its me and they are wrong XXXX is wrong. They asked my to upload my driver linces and a copy of my utility bill.
Consumer complaint received 2017-12-17
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: Byrider Franchising, LLC (WV)

On two occasions, within a span of 2-3 days, my credit was used to try and finance a vehicle. I had no knowledge of it and did not authorize these inquiries. I contacted each one of them by phone and they refuse to help me.
Consumer complaint received 2018-07-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE ()

My Company is an XXXX XXXX registered in XXXX with annual filed financials with the XXXX Authourities. I am the appointed representative for XXXX XXXX in a Number of XXXX XXXX. I also provide XXXX XXXX to a number of XXXX customers amougst whom is XXXX  XXXX XXXX. This Company recently sent me US $ XXXX against invoice for services rendered. It was transacted through XXXX XXXX XXXX thru a correspondant Bank Bank of New York Mellon Bank. This Bank seized the funds claiming my Company was involved in Money Laundering. On request all details were provided by XXXX  XXXX to XXXX XXXX. Their initial Ref is XXXX XXXX XXXX Ref on their provision of answers XXXX. The funds are still held by Bank of New York. The real issue here is complete disregard for small business and no means of contacting anyone at bank of New York. I have engaged legal Counsel and intend to sue. As of this stage after over 10 Days still no funds. I might mention that Bank MNellon did the same in a transfer by my Company in late XX/XX/2017 and seized funds destined for XXXX. So they have history that my Company is bonifide.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

A few months ago, either in XXXX or XXXX, I was emailed a statement by Comenity Bank that I had a balance. I tried to login online and see my statement, as I had done successfully numerous times in the past, but this time I was shown an error message that their website was not working and to try again later. I tried numerous other times throughout the month and was unable to view my statement. Then in XXXX I was emailed that I had a much higher balance, and again when I tried to login to view my statement I was unable to. I do not recall using this card over these previous months. I was then called by Comenity almost on a daily basis in the mornings to pay the amount. I could not answer because I was at work during this time. I tried to call Comenity multiple times when I was out of work, but my phone call was always disconnected before I could speak to someone. About a week ago, I was finally available answer Comenity Banks phone call one morning when they called since I was not busy at work. I asked them to send me a paper statement because I can not view the statement online and I do not recall making any purchases over the past few months. They said they would send a paper statement and I agreed to make a payment by the XX/XX/23 due date if I received the statement in time, and was able to verify that I had indeed made the purchases on the card. I have yet to receive a paper statement, I still can not access a statement online, and I still can not connect with a representative. In the meantime, my credit report and score are being unfairly and severely impacted.
Consumer complaint received 2022-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (HI)

I have never received any documentation regarding an unpaid bill. I never received any documentation regarding an unpaid bill being sent to collections. I received no notification. I noticed the outrageous collections claim of {$950.00} as I was checking XXXX XXXX app. I have no documents to provide that this is a valid claim.
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CRESCENT MORTGAGE COMPANY (CO)

XXXX XXXX XXXX was acknowledged an escrow surplus of over {$3800.00}, but has refused to return it even after numerous calls, emails, and other written requests. Each time they assure we they will cut a check and it will be there in 7-10 business days, but the check never comes and my escrow account still shows the surplus.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AZ)

Comenity Capital/ XXXX XXXX is reporting a late on XX/XX/20. My wife was in an accident and had to had XXXX in another state. The help she received was not much and we really struggled to make ends meet these last few months. I have been trying to make my payments on time but unfortunately defaulted. My wife 's accident really put us in a hard spot as we both were out of town for weeks waiting for her to recover. With COVID affecting me financially as is and my wife 's XXXX has made it really impossible to keep our head 's above water. I am asking as a long time customer that you remove the recent late notations. I truly did not mean to be late or wanted to but it was complete out of my hands.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Have had wild fluctuations on my credit score for no apparent reason. My balances are low, I have a long credit history and no delinquencies. Nonetheless my Trans Union credit score dropped 57 points this month. This continually happens to me. My credit score went from XXXX  to XXXX  with no apparent reason. XXXX  reduced my credit score from reduced my score 53 points to XXXX. All my credit factors remain positive. 99 % PAYMENT HISTORY, 19 % CARD UTILIZATION, 0 DEROGATORY MARKS. Just not fair that these credit agencies are playing ping pong with my credit score.
Consumer complaint received 2018-07-25
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. (MD)

ON XX/XX/XXXX I SEND SOME CERTIFIED MAIL TO EXPERIAN ON THE DAY IN QUESTION ABOUT. ACCOUNT NUMBER # XXXX XXXX XXXX XXXX  EXPERAIN DIDN T REPLY TO MY LETTER UNTIL XX/XX/XXXX I NEED THESE WRONG ACCOUNT DELETE PLEASE XXXX XXXX ACCOUNT NUMBER # XXXX THE XXXX XXXX XXXX   ACCOUNT NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX WRONG DATA ON CREDIT FILE WHY I SAY THAT IS BECAUSE THERE WAS KNOW DATA GIVEN OR PROVIDE BY EXPERIAN XX/XX/XXXX ABOUT THE ACCOUNT ABOVE. 

I JUST NEED THESE ACCOUNT REMOVED ( DELETED ) SINCE EXPERIAN TOLD ME IN BLACK AND WHITE AND IN COLOR THEY DON T HAVE ANY DATA OF THESE ACCOUNT ON MY CREDIT FILE!!!!!!!!!!! 

I WILL SEND YOU PHOTO COPIES OF EXPERIAN COPY AND PASTE REPORT WHEN THAT CANT GET THE DATA FURNISHER TO REPONE. 

XXXX XXXX XXXX ON XX/XX/XXXX NO DATA WAS GIVEN TO EXPERIAN AT ALL AND I NEVER GOT A REPORT AT ALL FIRST CRIME SECOND ONE IS COPYING AND PASTE INFORMATION OLD REPORT AND REPLACE THEM WITH NEW REPORT NUMBER HAVE HE SAME INFORMATION LIKE THE LAST ONES .. 

THESE ACCOUNT ARE NOT MINES PLEASE DELETE ALL ACCOUNT THAT ARE IN THIS LETTER PLEASE AND FIX MY CEDIT SCORE BACK TO A XXXX LIKE IT SUPPOSE TO BE THANKS U HAVE A AWESOME DAY..
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (SC)

There is a Credit card open in my name with the company Barclays. I have never opened a card with Barclays. Someone must have stolen information of mine and created a credit card with it. I have attempted to call Barclays numerous times and they do not answer. This credit card should not be charged to me because I own no credit card. I wasnt even 18 at the time that the credit card was opened in my name.
Consumer complaint received 2022-04-01
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. (FL)

IN ACCORDANCE WITH FCRA XXXX  ACCT # 'S XXXX, HAVE VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES CONSUMER REPORTING AGENCY CAN NOT REPORT WITHOUT WRITTEN INSTRUCTIONS 1. XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX, WA XXXX 2. XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 3. XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. XXXX  XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX 5. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX FL. ) XXXX, DE XXXX 6. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX FL. ) XXXX, DE. XXXX 7. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) XXXX, DE XXXX 8. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) XXXX, DE XXXX 9. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX rdFL ) XXXX, DE XXXX 10. Dept. of Ed/XXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) XXXX, DE XXXX 11. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFl ) XXXX, DE. XXXX 12. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) ) XXXX, DE XXXX 13. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX fl ) XXXX, DE XXXX
Consumer complaint received 2020-11-19
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. (PA)

I tried to solve my credit problems with the credit bureaus, because they are reporting inaccurate information that is affecting my credit score. I have Inquiries that I didn't authorized, and negative accounts that should not be there.
Consumer complaint received 2018-07-24
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (TX)

My request for a loan modification begin XX/XX/XXXX thru present date XX/XX/XXXX, over a year pending final loan modification payment. With me on multiple occasions, submitting, resubmitting, consistently completed required requested documents to Home Bridge Financial Services and with a successfully completed trial payments of {$1600.00}, from XX/XX/XXXX thru XX/XX/XXXX. 

I called Home Bridge Loss Mitigation Department XX/XX/XXXX, regarding a major concern with my modification/trial payments of {$1600.00} as to why such an outlandish monthly amount. With all requested hourly pay check stubs submitted and confirm receipt from the company to review. I was directed to speak with Mr. XXXX XXXX ( Underwriting ) to address my concern. 

XX/XX/XXXX I had the opportunity to speak with Mr. XXXX on a recorded line regarding the calculations of my successfully paid trial payments {$1600.00} and addressing the outlandish amount of final modification payments of {$1600.00} and an increased interest rate. Mr. XXXX stated let me take a look at your package we received. He noticed and stated that my check stubs reflect 2-months of high overtime hours 50+/70+, my response yes that would be XX/XX/XXXX & XX/XX/XXXX peek mandatory months, with co-workers on vacation or out and due to annual year-end closing of company books. XXXX XXXX, acknowledge that he saw/see the error that the overtime was calculated as 12 months as oppose to the 2 months based on pay by the hour as reflected on check stubs and said that HUD cause the error. Im not by any means interested in finger pointing, my FOCUS/DESIRE is maintaining my home with a correct recalculated lower monthly payment and interest rate until paid in full for my children & me. 

I've provided the complete re-modification package more than once and all information required was provided within the allotted time frame. The mortgage company should honor the fact that they made the error and correct it based on the dates and information they've ALREADY Consistently and Variously received. Their negligent behavior has taken a toll on not only me but my family and I'm now being told we may soon have to vacate our home, leaving us destitute and homeless if i don't come up with $ XXXX per their letter they mailed me received XX/XX/XXXX and XX/XX/XXXX for {$9600.00} that their attorney letter stating i need to pay to avoid foreclosure. This within itself shows error and conflict of information within the Mortgage company and information they're providing to their attorney 's office. This is Mentally stressful and a depressing state of mind to be in with a desire to keep my home. 

To keep my home i did re-submit the package via ( email, certified mail to Home bridge ) that Mr XXXX XXXX Underwriting department advise his colleague to send me via email Ms. XXXX XXXX Loss Mitigation department.