davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (PA)

I entered into loan deferment and modification process with BSI Financial mid XXXX ( originally XXXXXXXX XXXX loan ). I have been requesting to end deferment and move forward for nearly a year now. I did finally get presented with 2 options in XX/XX/XXXX, ( see attached ), of which I selected option 1. I expected to see modification docs within a month or two and begin making payments in XXXX or XXXX ; however, I have not received any correspondence since, except for the one email saying it was still in process or awaiting some agency approval. Follow-ups by phone are made about every two weeks, and at best, I get the same answer or no answer or promised a callback that virtually never happens ( I can only recall one ). I am also noticing that my mortgage has now been being reported as delinquent to credit reporting agencies for the last several months!! I feel like someone is purposefully trying to keep me from getting back on track and trying to take my home, which has significant equity. I have been ready and able to make payments for quite some time. I also have been getting strange junk mail referencing a mortgage amount that is unfamiliar, but quite close to the deferment amount I agreed upon, so I feel like something is happening, but its being hidden from me or something. 

Thank you
Consumer complaint received 2022-06-11
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX U S DEPT OF ED/XXXX  Account XXXX XXXX U S DEPT OF ED/XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX DEPARTMENT OF EDU Account # XXXX US DEPARTMENT OF EDU Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # 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 has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-23
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)

Experian did not do a proper investigation and just updated the account information. 
The Last updated date for Experian after yet another dispute reflects XX/XX/2019 and the same date for the first reported date. The report number for the dispute with Experian XXXX I am still yet to hear back from the other two bureaus XXXX and XXXX about this particular account. To avoid more irregularities and improper investigation or lack of, I am bringing this to the attention of the Consumer Financial Protection Bureau. 

Errors and my comments about my dispute are highlighted in yellow on the pdf file that will be attached to this complaint. The pdf file is a part of a recent credit report pulled directly from myfico.com Date closed XX/XX/2019. A closed account can not have activities after the date it was closed. The last activity dates are not the same. More inaccuracies. 

Experian did not do a proper investigation and just updated the account information. 
The Last updated date for Experian after yet another dispute reflects XX/XX/2019 and the same date for the first reported date. The report number for the dispute with Experian is:XXXX Updates are not considered proper investigation. Remove this account immediately per 15 U.S. Code 1681s2 prohibits ( A ) Reporting information with actual knowledge of errors.
Consumer complaint received 2022-04-23
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL (GA)

They did not uphold their terms as of returning my security deposit upon requesting to close my account. I was not given the choice as to how I was paid as per their terms. 

. If your account is closed for any reason, we will return your security deposit funds minus any amounts needed to pay off any existing balances. We will provide your security deposit to you in an approved method that you will select. If we mail a check to you, we will mail it to your mailing address on file with us. If we send an ACH payment to your bank account, we will make the payment to the bank account with the information you have provided us. In the event of your death, we will not release funds held in your security deposit account unless all amounts due on your account have been repaid and all legal documents we require are delivered to us. 

https : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I sent out a certified letter to XXXX requesting there method of verification involving a bankruptcy they are reporting on my credit report. They later reply back with a letter stating that they was reaching out to the source they verified the bankruptcy with and they will send me the information that i requested. This investigation has took more than 30days and I am furious. I have file multiple conplaints about this company involing the same matter that you can see Thur my pervious complaint history. On XX/XX/XXXX i sent XXXX a letter requesting their methods of this same bankruptcy they replied back with a letter stating they verified the bankruptcy with the courts. That was falsify I sent them my letter from the courts stating they don't report bankruptcies to the credit bureaus .Under the FDCPA action 807 this is misleading false reporting I demand that this account be deleted immediately or i will file litigation due to the stress they have cause me. This company has pervious lied about information they are reporting on my credit report and can not produce the information i am requesting there for this account should be deleted immediately i have been more then patient for there response but its clear to see they don't have the information that i am requesting and they a prolonging this matter which is affecting my credit tremendously. Under the FDCPA act inaccurate unverified information must be deleted.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The following account XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) ( Account Type : XXXX XXXX XXXX  ) is missing from my TransUnion credit report. I have had this account since XX/XX/XXXX. Please update my report with the following account as current from XX/XX/XXXX- XX/XX/XXXX. This account is still open and current with all payments made on time and needs to continue being reported.
Consumer complaint received 2022-04-23
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. (TX)

Experian is reporting inaccurate information on my consumer credit report and file. I sent in a letter to them requesting the immediate removal of the account from my file and report and they have not responded. The information is damaging to me as a consumer. Per U.S. Code 1681e ( b ) they should be reporting 100 % accurate information. How is an account accurate if it is being reported differently amongst the consumer reporting agencies? To top it all off, I DID NOT give EXPERIAN any form of written instructions to accept, furnish or report any information on my behalf! Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I asked them to provide a contract between them and me, notarized by a senior executive, showing that I granted them permission because no consent is identity theft and they never responded to my letter.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accordance with the fair credit reporting act. Transunion, XXXX, and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

All of these negative items are not correct and do not belong on my report. 
The items are. XXXX XXXX XXXX XXXX date XX/XX/XXXX *incorrect amount paid off* XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX *Not mines* XXXX XXXX  open date XX/XX/XXXX * Not mines* XXXX XXXX XXXX open date XX/XX/XXXX * Not mines* XXXX open date XX/XX/XXXX *Not mines* XXXX  XXXX open date XX/XX/XXXX * Incorrect amount* XXXX XXXX XXXX open date XX/XX/XXXX XXXXNot mines* XXXX open date XX/XX/XXXX *Never applied XXXX*
Consumer complaint received 2022-09-09
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NY)

I was subject to Fraud on XXXX. Someone posted a fake job announcement and then said that I got the job. Then sent me a fake check from the XXXX XXXX XXXX  with the amount of {$2500.00} asking me to deposit {$1700.00} to a third party using XXXX and keep {$760.00} for me, pretending that this is the actual job of management of donations to charities. The transaction occurred on XX/XX/2021. my bank PNC claims that they offer full fraud protection and that is adding XXXX as the only money transfer option on its portal refused to reimburse me for the fraud which is very misleading.
Consumer complaint received 2022-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Systems, Inc (IL)

Dear Sir/Madam, The XXXX  bill sent by XXXX XXXX  XXXX was supposed to be paid by XXXX XXXX XXXX 
We had a XXXX way calls among XXXX XXXX, XXXX XXXX  XXXX, and me. As per the call, XXXX XXXX  XXXX submitted the claim with wrong code. XXXX XXXX suggested XXXX XXXX XXXX to submit the claim with correct code so that XXXX XXXX can pay the claim. XXXX XXXX  XXXX agreed to re-submit the claim with the correct code. 
All of a sudden, I am seeing this debt collection notice from American Credit System without further communication to me about the update from the XXXX XXXX.
Consumer complaint received 2022-08-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (TX)

My wife and i purchased a fixer-upper house in XXXX XXXXthrough mortgage company Movement Mortgage XXXX Through the loan we were buying the property as well as complete renovation. We had to get bids for the job and submit them along with info on the general contractor to the mortgage company, and it was our understanding that Movement Mortgage would vet and either approve or deny the contractor. It became very evident that they failed to do this as the contractor quit leaving our house in ruins, and it has come to our attention that the contractor had forfeited his business months before due to tax reasons, and Movement Mortgage never caught this. The contractor got away with $ XXXX of our money and left us at risk of the house being condemned. Movement Mortgage has taken no steps to help make this right. 

Hired a man named XXXX XXXX to be our general contractor. I had known XXXX for quite some time as he was a member at the country club I work at. He applied for the job with the business name, XXXX XXXX XXXX XXXX. Several months and red flags later we found that this business did not exist as an LLC at all and he lied on the application. After receiving over {$57000.00} in draws from Movement Mortgage and {$7000.00} personal funds, he abandoned the project after 5 months and breached our contract in many ways. Our house is now severely damaged due to the state it was left in and in danger of being condemned all together. We are facing multiple leins on the property because he didn't pay his subcontractors. According to a licensed inspector with XXXX XXXX XXXX XXXX, the work that was done by XXXX is defective and dangerous. The entirety of XXXXXXXX XXXX work will need to be torn down and rebuilt. After multiple calls to various lawyers, it's clear that the state of Texas doesn't protect you against scammers like XXXX. As a result of this man 's actions, my wife, toddler, and myself are now living in an office at my in-laws, paying mortgage on what is now a big pile of trash. I'm posting this in hopes that it's shared to prevent XXXX from hurting another family and to remind people that you can't trust just anyone. Sometimes, not even people you've known for years.
Consumer complaint received 2023-10-03
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Accounts # XXXX, # XXXX, # XXXX and # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This company, Portfolio Recovery Associates LLC, calls from multiple phone numbers almost every day. I have never answered their call. They have never left a message, and have never communicated with me as to what debt they supposedly are trying to collect on. I have never heard from them or about them previous to this. I sent them an email telling them that they should either send me something explaining why they were trying to contact me and what the situation is, or to stop calling me. They have ignored us.
Consumer complaint received 2022-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: N26 Inc. (NC)

I received this correspondence from N26 bank : " After making the tough decision to sharpen our focus on our XXXX business, N26 is no longer available to customers in the US meaning we are only communicating via email. 
In order to assist you, we will need you to send us an email from the email address registered to your account and provide the following : - A double-sided photo/scan of your valid ID/Passport - Date and Place of Birth - Shipping address confirmation ( eg. utility bill dated within the last 3 months ) - Your express authorization so, please respond with the following statement : I authorise N26 Bank to exchange my personal data with me via email. 
If you do not have access to your registered email address, please send us an email stating : - Your previously registered email address, in addition to the information above. 
Please feel free to provide us with the documents as a scan or photo by email.

Ill then be able to continue this conversation via email. Note that your authorization to exchange personal data via email at any time. 
Thanks for your patience and understanding. 
XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXXXXXX XXXX XXXX NY, XXXXXXXX XXXX XXXX XXXXXXXX : ref '' I submitted the documents they requested. I am not getting any response as to the status of my funds being held at their bank after closing my account. 
When I go on line to the chat, they say I have to reach out to New York. When I reach out to New York, I get a response that I have to contact N26 XXXX. It is an endless loop of non responsiveness and illegally holding my funds.
Consumer complaint received 2022-04-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

I sent a wire transfer through Chase branch office in XXXX, IL ( Branch # XXXX ), on XXXX XXXX to a bank in XXXX for the purchase of a home in XXXX. Transaction # XXXX. The current home owners are from XXXX. This contract started in XX/XX/2022. On XXXX XXXX I received email notice from Chase stating the wire transfer was canceled with no details. The money was not returned to me. I made several contacts to the Chase Branch manager XXXX XXXX and XXXX XXXX. XX/XX/XXXX, XXXX XXXX said I needed to get an XXXX license. I provided this license and contract for real estate to XXXX XXXX. The XXXX XXXX  is not being sanctioned. I asked her to resend the wire transfer but it was not done. I also contacted Chase Headquarters, Chase XXXX Department. No one will me help get my {$22000.00} back from this wire transfer. I am scheduled to fly to XXXX today, to close on this real -- -estates on XXXX, XXXX. I already have paid XXXX Euros which is at risk of me losing if this does not close by XXXX XXXX. The real estate contract has an additional XXXX Euros which I was advised not to send another wire transfer at this time.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act. XXXX, XXXX, and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

Theses addresses, place of employment and phone numbers do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Ohio XXXX. XXXX XXXX XXXX FL XXXX, XXXX Ohio XXXX, XXXX XXXX XXXX XXXX, XXXX Ohio XXXX, XXXX XXXX XXXX XXXX Ohio XXXX, XXXX XXXX, XXXX. Phone number XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This information that I show here shows negative information that is greatly affecting me. This information does not belong to me. 

XXXX {$2600.00} XXXX XXXX XXXXXXXX {$750.00}
Consumer complaint received 2022-04-23
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. (FL)

I have been trying to get these negative items investigated and removed off my credit report because I have no knowledge of these accounts. The credit bureaus XXXX, XXXX, Experian have deleted the accounts which confirms that the information is incorrect. However they placed the items back on my credit report.