davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am very upset and stressed right now, I recently checked my credit report and there is an account that doesn't belong to me and it is residing in my credit for quite so long already. I sent letters to the respective bureau about it last XX/XX/2022 but haven't receive anything in response. I felt I was being ignored and taken advantage, so I checked everything in order for me to address my concern and according to FCRA 611 ( 15 U.S.C. 1681I ) ( A ) - the investigation is just for 30 days only and the extension is for more than 15 days additional only, beyond those it gives the reason to immediately remove those items from my credit file. IT WAS MORE THAN 45 DAYS HAVE PASSED AND NOTHING CAME TO MY MAIL, EMAIL AND EVEN PHONE. THIS IS RIDICULOUS. THIS HAS TO BE STOPED.
Consumer complaint received 2022-04-26
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)

I am invoking my rights pursuant to 15 U.S. Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt. XXXX XXXX XXXX willfully failed to comply with the provisions of SUBCHAPTER V of the 15 U.S. Code Chapter 41 with respect to I the consumer and such failure caused damage to my reputation, credit-worthiness and credit capacity which resulted in adverse action being taken against me when I tried to obtain new credit during this pandemic, this has caused me financial injury and am pursuant to 15 U.S. Code 1692k they are now liable to me for such damages sustained due to their noncompliance. XXXX XXXX XXXX willfully failed to comply with the requirements imposed under SUBCHAPTER III of the 15 U.S. Code Chapter 41 in respect to I the consumer and am aware that they are now liable in the amount of {$1000.00} pursuant to 15 U.S. Code 1681n ( a ). Fact, I the affiant am invoking my rights pursuant to 15 U.S. Code 1692K and 15 U.S. Code 1681 ( n ) and make a demand for monetary relief for the violations and actual damages caused to I the consumer due the willful noncompliance by XXXX XXXX XXXX. I am demanding monetary relief for the damages above or I will file suit in federal court within the next 30 days if my demands are not met. This is not a negotiation.
Consumer complaint received 2022-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (CA)

On XX/XX/XXXX I went to XXXX Florida XXXX XXXX XXXX with internal pain and vomiting. I received care from the physicians, but was incapacitated - I do not remember the physicians name. I stayed for about 4 hours or so before being discharged after tests were ran and found that I had a XXXX XXXX. I gave my insurance information while I was XXXX XXXX, so it is hard to remember also, but the XXXX billed my insurance correctly. I received a letter in the mail XX/XX/XXXX that was forwarded from my mailing address from Radius Global Solutions stating that I owed XXXX XXXX XXXX XXXX XXXX in XXXX XXXX for $ XXXXThis claim is not on my insurance claims - my primary insurance company has no record of this being processed. I only received one claim from that visit, from the hospital themselves, and none from the physicians from my end. I called my insurance provider and we walked through the issue with the hospital, who had both claims on file ( the hospital bill and the physicans bill ) and said both amounts were paid in full. The hospital processed my bill against my insurance, but the physicans did not use the information I gave them and must've found a separate insurance under my parents since i'm young and processed it through there- the debt collection agency is stating that the bill DID go to insurance, I just have no way to confirm if this is true since they did not bill the insurance I gave them. Additionally, the hospital states both bills were paid off so i'm unaware as to how I still owe any money.
Consumer complaint received 2022-04-26
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. (AL)

Hi I am submitting this XXXX 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 XXXX 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 XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-04-22
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. (FL)

Today I received the normal deflec lietter stating I MUST PROVIDE SPECIFIC IDENTIFCATION FOR THEM TO BE ABLE TO RESEARCH my complaint. Well sadly they have that information but evidently do not know it. Next the CFPB SOFTWARE does not allow the transmission of the last 4 of my SS on the complaint. An error that has gone unresolved by the CFPB for years! Sadly, because this company does not report real time their are balance issues on as number of current accounts THEY LIST! ( my wife 's and mine ) that do not reflect correctly.CREDIT CARDS XXXX BAL, LOANS XXXX, CAR PAID AND DISPUTES and negatives settled and paid. These lenders can hold off months posting correctly while negatives are posted IMMEDIATELY holding AMERICANS HOSTAGE financially while they take their sweet time. Opinion evidently a good scam to keep ones fica score low to make more $ $ $ - fact! So please only the stupid so not know the game! And do not expect the CFPB to correct their errors because they never read the complaint just jail it or their employees may speak some English but evidently do not comprehend it?
Consumer complaint received 2022-04-22
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. (OK)

In accordance with the Fair Credit Reporting act XXXX Account XXXX from 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 an account without my written instructions.
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

RE : Specialized Loan Servicing Unfair practices I have a mortgage with SLS nearing the end of contract. The remaining principal balance is under {$850.00} with an escrow account balance just below {$800.00}. SLS sent an electronic statement requesting {$1400.00} due on XX/XX/2022. A payment for {$1500.00} was sent and documented by SLS as received as of XX/XX/2022. As of XX/XX/2022 this payment has not been applied to my account. Additionally, now a late fee has been added and my account is now labeled as delinquent for a payment they refuse to apply. 

When SLS was questioned to this matter they stated that I needed to get a payoff quote and send the money by certified funds or a wire transfer. The balance they are requesting according to the letter is XXXX. This is ridiculous since they have {$1500.00} right now that they are stating they are going to sent back to me. 

I will be going to the bank and sending them what they request the way the letter says. ( including the late fee and additional interest now accrued ). I just think this is ridiculous as I was just paying my mortgage as requested and now am being treated as though I am some sort of deadbeat. 

I wish to carry this complaint as far as I can. I can only imagine how difficult it must be for those struggling to pay their mortgage dealing with SLS every month.
Consumer complaint received 2022-07-18
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. (IL)

In accordance to the Fair Credit Report Act XXXX XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-02-26
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX This is in regard to the following inquiries : Bureau : Equifax Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Bureau : Equifax Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry I disputed this account with the company and a letter was sent back from there office that they could not locate the account on file and are asking me for more information. I demand that since they clearly could not locate the account, this account needs to be removed from all credit reporting agencies immediately. I demand this be removed just from their response alone. their time to locate the account and validate it was used and they responded with their findings, with that information I demand removal from my file asap. 

This is direct response from the company " XXXX tracks all accounts utilizing the primary borrowers Social Security number and/or the complete account number. Based on the information provided in the complaints, we were unable to locate the corresponding accounts. ''
Consumer complaint received 2022-07-18
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. (LA)

I looked at my credit report and noticed some inquiries that I do not recognize or authorize. These items are not mine and they are pulling down my credit score making it very difficult to obtain new credit. I will list them down below : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Experian XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I have also filed a ID theft report that I will be attaching to this complaint.
Consumer complaint received 2022-07-18
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. (LA)

I looked at my report and noticed that there are many inquiries listed that I did not recognize or authorize. 
I will list those items here : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, Experian Business Credit on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX, Car XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2022-04-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BMO Bank, N.A. (GA)

BMO led me to believe they were willing to assist me in a loan modification. This process started XX/XX/2021 and we still do not have an agreement. 
Unfortunately, they have not been willing to assist me. I feel as a senior citizen, I have been taken advantage of. 
The process started in XX/XX/2021 and I have submitted all documents requested by the bank several times on at least three occasions, In XX/XX/2021, I was provided feedback that my application was denied because I could not produce a copy of my contract with my employer. This was not initially requested from BMO. I wrote BMO a letter stating that I did not have a signed contract with my employer. I provided my bank statements showing the deposits of income received from my employer. I also provide my monthly paystubs showing the money I received as well as the W2s from the company and the pay schedule issued by my employer. Everything that was requested had been submitted several time. Companies like this should not prey on their clients. Attached are dates that I submitted my personal data to BMO on several occasions. Please help!
Consumer complaint received 2022-04-26
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am a victim of identity theft and recently a fraudulent account appeared on my credit report from " XXXX XXXX  ''. I am not familiar with this account and it is not mine. The fraudulent account caused my credit score to drop which is causing me a lot of emotional and financial distress. Please delete this account immediately so my life can go back to normal.
Consumer complaint received 2022-04-26
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. (FL)

I HAVE SENT IN DOCS COPIES OF CREDIT REPORTS SHOWING INFORMATION ON ALL THREE CREDIT BUREAUS SHOWING 3 DIFFERENT THINGS AND THE CREDIT BUREAU REFUSE TO DELATE THE ACCOUNTS THAT ARE REPORTING INCORRECTLY.
Consumer complaint received 2022-04-22
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. (NC)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXXXXXX Balance : {$7800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2800.00} XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXX/XX/2020 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (CO)

I sold my property located in XXXX, AZ. Prior to closing, I received a copy of the payoff statement submitted by BSI to XXXX XXXX. I called BSI on XX/XX/XXXX, because of a late fee of {$38.00} on the statement. I spoke with XXXX who confirmed that my monthly payments were all paid on time and the {$38.00} will be refunded when the account is paid in full. The purpose of this late fee is if the title company does not pay the loan off before the fifteenth of the month. 

I signed closing documents on XX/XX/XXXX, and the buyer signed on XX/XX/XXXX. The title company received all the necessary documents, closed escrow, and funded on XX/XX/XXXX. On XX/XX/XXXX, I called BSI and spoke with XXXX. She confirmed the loan was paid off on XX/XX/XXXX, and the balance of my escrow account was {$560.00}. XXXX explained there is a 30-day review prior to releasing all funds from the account. Based on our discussion and the settlement statement, I estimated my refund from BSI would be approximately {$1100.00}, ( {$560.00} escrow + {$38.00} late fee + {$470.00} interest refund ). 

On XX/XX/XXXX, I received a refund check for {$560.00}. The check did not include a breakdown of the refund. About a week later, I received the Final Analysis Statement. This document is only a breakdown of my escrow account and is consistent with what XXXX at BSI told me about my escrow balance. I have not received an additional check for the refund of my interest or the late fee. I am including both documents in this complaint. On XX/XX/XXXX, I called BSI and spoke with XXXX. I asked for an explanation of my refund and that I do not see a credit for the late fee and interest. XXXX told me the escrow refund is {$290.00}, the interest refund is {$270.00}, and the late fee refund is {$93.00}. These three amounts total {$660.00}, more than the check I received. 

When I told XXXX this amount does not match the check I received, she told me she would refer the account to the Payoff department and call me back. As of today, XX/XX/XXXX, I have not received any additional correspondence or a phone call from BSI about my missing funds.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XX/XX/2020 US SM BUS ADMIN ODA XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020
Consumer complaint received 2022-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This bureau has been contacted several times regarding these inquiries in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC and still, they don't delete these unauthorized inquiries on my credit report.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ME)

My Family and I moved from XXXX, New York to Maine in XXXX of XXXX. Shortly after that, someone with access to my old building started stealing my mail. First a XXXX XXXX credit card issued to me, was mistakenly sent to my old address. In the process of clearing that up, I asked XXXX XXXX to tell me what items were purchased. All of the items were things I never bought, and one particular transaction was for an item that was delivered to another apartment within the same XXXX building while I was living in Maine. XXXX XXXX XXXX XXXX Department investigated the fraud, cleared it up, and sent the new card to the right address. 
The second incident went on without me knowing until around XX/XX/XXXX. I received a call from XXXX  XXXX in Maine. I had applied for a line of credit with them, and they made a credit inquiry which revealed that there was one outstanding delinquent account in the amount of {$21000.00}. I then requested a credit report XXXX, XXXX XXXX and XXXX, which gave me access to the information about the fraudulent account. The account in question was for a retailer named XXXX XXXX, and the company who issued the credit was XXXX XXXX. I called XXXX about the fraudulent account, and they asked me to verify the account number, but the credit report I had just requested, only gave me access to the first 12 numbers in the account ( the last XXXX digits were obscured ). I explained this to the XXXX XXXX. representative, and they said I needed the last four digits of the account. Of course, I never got access to the complete account number because whoever fraudulently applied for the account using my personal information, didn't bother to have the bill sent to my current address. So I never had access to the full account number until XX/XX/XXXX when I received a letter from Portfolio Recovery Associates , LLC, a collection company who bought the bad debt from XXXX.