davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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. (PA)

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 XXXX XXXX XXXX. 

XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, EMPLOYERS : XXXX XXXX ( NO JOB OF MI ) XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX ADDRESS # XXXX XXXX XXXX XXXX PA. XXXX- THIS IS NOT MY ADRESS ADDRESS # XXXX XXXX XXXX XXXX  XXXX PA XXXX THIS IS NOT MY ADDRESS EMPLOYERS : XXXX XXXX ( NO JOB OF MINE ) EVER 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 2021-04-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (OK)

Please note I could not upload all the attachments on your website. I received an error. 

I received an Annual Escrow Disclosure, but BSI Financial did not account for the correct home insurance premium on their annual escrow account disclosure statement which was dated XX/XX/XXXX, and sent to me. I am very concerned because I prefer things to be reflected accurately, and BSI financial did not reflect my home premium accurately on that disclosure. They also refuse to help make the change and send me a revised disclosure. 

BSI Financial 's escrow disclosure reflects an incorrect amount which was my original policy renewal amount before any changes were made by me. They printed and mailed this disclosure to me approximately XX/XX/XXXX BSI financial refuses to redo the disclosure because it doesn't meet their threshold to do so. They said something that it had to be over {$670.00} for it to be re-evaluated or something like that and my shortage was only {$620.00}. 

I was told that my request to have it reevaluated would likely be denied even though their error causes me additional hardship, and it's not accounted for the way it should be. 

I was told by XXXX at the company that the Insurer never notified them of the change with new premium but later XXXX at BSI Financial retracted that comment and said the insurer did send a new Declarations page the new amount of {$1900.00} but would not give the date they received. However, that still did not prompt them to correct my account they just said it would be an overage next year. 

My renewal was XX/XX/XXXX but I made changes to my policy on XX/XX/XXXX and XX/XX/XXXX. 

My premium went from {$2300.00} to {$1900.00} as a result of those changes. 

XXXX sent a copy of the declarations page to the mortgage company approximately XXXX the XXXX notifying them of these changes with the declarations page. 

There was a refund check issued in amount of {$340.00} for difference in premium. It was issued by XXXX on XX/XX/XXXX. I forwarded the refund payment to the mortgage company immediately after I received it as per my Insurance company instruction to do so. The Check # is XXXX issued on XX/XX/XXXX for {$340.00} BSI Financial had approximately 121 days from the time my insurer sent them the new declarations page showing the correct premium, but even after this amount of time they have failed to report it accurately. They seem to resist wanting to make this right, and do not care how these increased costs affect my family. 

It is not fair to us to have to pay for something additional when it was not accounted for properly by BSI Financial. They had plenty of time to send a correct disclosure to me. 
I hope you can get them to change their stance on correcting their Escrow Disclosure because it was entirely their mistake.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MD)

someone got a hold of my CC. There was about 20+ charges for the XXXX XXXX and email confirmations of the orders were immediately sent to me and I called and let them know that, they were fraudulent charges ( gave them dates and times ). I was told that after investigating I had ordered a medium sized XXXX XXXX that I would be responsible for. Mind you this was orders during the time someone got into my account. Now @ barclaysbankus is sending me a bill and interest for the charge. The balance on my account was {$0.00}. Im not paying for a too small jacket that I didnt order nor the interest. And also, your fraud department is rude! Play the recording on that! 
Long story short, they are holding me responsible for fraudulent charges and interest after I reported the date and time of the charges and they said I would not be responsible for it.
Consumer complaint received 2021-11-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: POPULAR BANK (DE)

I have been trying to close my account and I was assessed 4 monthly service fees of XXXX. I was told to bring my balance to above XXXX and the fees would be reversed. I have called twice and they have not been waived and I have been assessed another fee. I shouldnt be required to put money in an account to have fees reversed.
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1400.00}
Consumer complaint received 2021-04-02
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have had a Capital One credit card for over 25 years, I have carried a XXXX balance for the past couple of years until I used it one time in XX/XX/2022. I paid the entire balance of XXXX off in XXXX. Apparently at the end of XXXX, I was charged a {$29.00} membership fee that I was not aware of. On XX/XX/2022, i was charged a late fee of XXXX on the XXXX membership. On XX/XX/XXXX, I was charged XXXX interest on the membership fee. I called to have these fees reversed for charging me a late fee on a fee, but they could not guaranty the fees would be removed to a XXXX balance. The card remains opened, I agreed to pay the membership fee, but not the fees or interest on a fee.
Consumer complaint received 2023-07-17
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)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I opened a checking account online with Huntingdon Bank. The account was open for a few months no problems, than one day they locked my account and I called customer service, they said I need to verify my identity at a branch ... the nearest branch was 50 miles away, and my liscence is suspended, thus I asked for them to close the account, they refused ... I made several attempts they still refused ... I filed a complaint with XXXX XXXX XXXX, Huntingdon bank called me and said they would closed the account and send the remaining balance in a check to the address they have on file ... that was a month ago ... when I hadn't received the check, I called customer service and they said the account is still open ... they are taking dormancy fees for my account and basically running the account to XXXX ... eventually I will be overdrawn by the fees and my situation sent to XXXX XXXX or XXXX XXXX XXXX ... all I want is the account to be closed ... they can keep the measley XXXX in the account ... I have a better bank ... please help ... thank you
Consumer complaint received 2021-07-08
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. (IL)

There is two hard inquiries on my credit report that should no be there I have no knowledge of these application please take them off. 

XXXX card XX/XX/XXXX XXXX card XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have not receive any response from any bureaus. I sent a dispute letter on XX/XX/2021. Thats over 30 days no response.They have 30 days to respond. They credit bureaus operating any way they want to. This isn't fair at all. I want these items deleted from my credit report.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There are a number of traffic court violations listed on my credit report incorrectly. The few traffic court cases I've had have all been resolved by paying fines and never resulted in any criminal charges for speeding. Why are these still listed in my credit report? The fines have been paid and the traffic violations should be off my record in each credit report? They happened years ago. 

The only loan open right now for me is a student loan that I've refinanced. the approximately {$10000.00} I have left when I refinanced is only a fraction of the over {$80000.00} that I initially started paying off over ten years ago when I graduated from college and began working full time. Therefore it is incorrect for my credit score to say that I have only paid off 15 % of my initial balance. I have paid off over 80 %.
Consumer complaint received 2021-04-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I recently sent letters over 45 days ago to XXXX  Equifax, and XXXX  and they are disregarding regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (WA)

I copied the following email that explains what is going on. I had a business checking and savings account with XXXXXXXX XXXX  a division of BBVA Compass in XXXX, Alabama. They took money from my account and won't give it back and gave me no reason. They also closed their XXXX XXXX in XX/XX/2021 and now I'm afraid I really will never see my money. I contacted XXXX XXXX  today and emailed them. I want a cashier 's check. I just want my money back. It's mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX, Owner of XXXX XXXX XXXX XXXX, XXXX. 

On XXXX XXXX I tried to send money to XXXX XXXX XXXX XXXX XXXX amount of {$48000.00}. The local bank manager, XXXX XXXX XXXX would not release the money to XXXX. I have attached a screenshot of the transaction in this email. 



Account Name : XXXX XXXX XXXX Bank Name : XXXX XXXX  Routing # : Account # : Account type : Checking account XXXX address : XXXX XXXX XXXX, MN XXXX So, I am trying to get my money back. XXXX was told to communicate to me how I can get it back and that is to have my branch send a " hold harmless agreement '' and to get the name and info of someone to speak to directly. 



My bank is called XXXX XXXX It's not a branch where you can walk in and deal in person. It's a virtual bank, thereforefore you must email to get any communication started. 



I am cc'ing XXXX XXXX in this email in hopes to get that process started so, I can get my money back. It's been a long time since I have been trying to get it back. I have new clients that are coming on board. 

I need to finalize this transaction to move forward with them. 

I hope and pray you can help me with this. 



I just want to point out that my name is real. It's on my ID and birth certificate. I've been accused of committing fraud. Some organizations think I'm using a fake name or a business. 

It's a real name, XXXX XXXX XXXX. I have been treated with racism trying to do business and build myself up over the years. Maybe this is part of why XXXX couldn't receive money. I assure you my name is real and if you need a copy of my ID I can supply that. Us Native Americans get treated horribly since assimilation. Some of us like myself are trying to come up out of the pit of poverty that the United States Government put us in. I'm just trying to make an honest living. Noone in my company or affiliated with my company is committing fraud. 



XXXXXXXX XXXX, can you reply to all when you respond to this email please? 



Most respectfully yours, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Cell : XXXX
Consumer complaint received 2021-04-02
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: Marlette Funding, LLC (IL)

I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XX/XX/XXXX - BEST EGG, XX/XX/ 2021 XX/XX/XXXXXXXX, XXXX, XXXX, 2021 - XXXX, XXXX, XXXX, 2021
Consumer complaint received 2022-08-12
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. (NJ)

XX/XX/2022, a collection appeared on my credit report in the amount of XXXX. I disputed this account and asked experian to do a full investigation into this matter and to have this account removed which caused damage to credit score. In accordance with the Fair Credit Reporting Act 15 USC 1681:602 everything on my credit report must be thoroughly check, which it wasn't. Also, 15 USC 1681 sec 604 states that I as a consumer have the right to privacy of my information, therefore my rights have been violated, and this is grounds for removal on ny credit report of the account mentioned above,
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (WI)

For the past twelve months I have tried and been unsuccessful in attempting to reach Equifax via phone. I have sent letters and faxes that have gone unanswered and have been ignored. When I email, I am given generic responses with no resolution. 
There are inquiries on my report that do not belong to me. Per FCRA guidelines section 609, if an inquiry doesn't belong to the consumer and there is no signed authorization by the consumer then the Credit Bureaus must remove the inquiry. The generic email response is that inquiries are factual, which is false per FCRA. I have contacted the businesses in question, who can't seem to find an authorized signature from me and they tell me to contact Equifax. Equifax tells me via email that inquires are factual ( false ) and tell me they can only remove if a FTC report is sent to them. I comply and send FTC report. Equifax places a fraud alert and then refuses to remove the inquiries in question. I have even asked for early exclusion which I'm entitled to per FCRA and Equifax has ignored my request. At this point Equifax is in blatant violation of my rights and totally disregarding the FCRA guidelines, therefore in violation resulting in monetary fines should I pursue legal action. Equifax is already being sued by many others for their blatant disregard of the law. I demand that they comply and remove the unauthorized and inaccurate inquiries on my credit report.
Consumer complaint received 2021-04-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Advance America, Cash Advance Centers, Inc. (MS)

Have received numerous phone calls from Advance America for a loan I did not receive. They have my cell phone number, Social Security number and birthdate. They tell me I received 2 Loans in 2019, they did not specify the date, one for {$210.00} and one for {$120.00}. This was supposed to have taken place at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, local phone number XXXX. The phone calls I receive from the person that calls is XXXX. Advance America customer service phone is XXXX. 
I do not remember receiving these funds from them. I do not remember ever being approved for these loans. I do not remember doing business with them. 
When I called Advance America customer service they said they had records of these transactions. They will NOT provide me proof I ever received or even applied for these funds. When I tell them to talk to my husband to find out what is going on they refuse. Advance America customer service would not until I verified my personal information, then only gave him the year, store and amounts owed.
Consumer complaint received 2021-04-02
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: CITIBANK, N.A. (IL)

I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

TransUnion - XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX- XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXCITI CARDS CBNA, XXXX, XXXX, XXXX - XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2021-04-01
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. (FL)

SINCE XXXX, XXXX XXXX INCORRECTLY REPORTING AN A DEBT AND INACCURATE OPENED DATE OF XXXX 2019 AND UPDATED AGAIN ON XXXX XXXX. 

I HAVE DISPUTED THIS DEBT AND ASKED FOR VALIDATIONS OF THIS UNKNOWN ENTRY WITH THE RETURN REPLY '' BECAUSE THEY SAY SO ''! 

THIS ABOVE AGENCY HAS REPEATEDLY HARASSED MY CREDIT REPORT IN SOME CASES CHANGING THEIR NAME TO CONTINUOUSLY REPORT THIS IRRONIOUS CHARGE, DELIBERATELY DAMAGING MY CREDIT SCORE. 

THIS NEEDS TO STOP IMMEDIATELY WITHOUT FURTHER DELAY!
Consumer complaint received 2021-04-02
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. (GA)

I've reached out to the credit bureau regarding the inaccurate information that is appearing on my credit report as a result of my identity being stolen. Ive reach out to Experian, XXXX  & XXXX and my complaints fell on def ears. The following accounts are a result of my identity being compromised. I never given anyone permission to use my name and social for anything. 

1. XXXX XXXX {$310.00} 2. XXXX XXXX {$440.00} 3. XXXX XXXX {$600.00} 4.XXXX XXXX {$990.00} 5.XXXX  & XXXX {$830.00} 6 . XXXX XXXX {$720.00} 7.XXXX XXXX {$1000.00}
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (TX)

This is my first XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX 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 Balance : - XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX Balance : - XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX