davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

The company has asked that I pay a debt for { {$140.00} } & { {$540.00} } from some healthcare centers in CA that I have never heard of! Upon repeated requests for such they can't show that I owe the debt I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, CMRE keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. Here are the erroneous accounts you have listed. Please delete the following : Accounts # XXXX & XXXX, ( < -- - YOU ARE ALSO DOUBLE REPORTING THE SAME ACCOUNTS TO MY CREDIT REPORTS NOT ONLY ONCE BUT TWICE!!! ) { {$540.00} } AND Accounts # # XXXX & XXXX { {$140.00} } Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. I appreciate your time and attention to this matter. Sincerely, XXXX. XXXX This companies reporting the same debt twice on my XXXX & XXXX credit reports, ( XXXX deleted them due to XXXX   noticing the ILLEGALITY of their reporting and made me aware of the activity and advised me to check my other credit reports! ). They are for the same incident and the exact same dollar amount and date. I have called this company and they can not locate me by social in their system to tell me the details of this alleged debt and so therefore I am disputing the accuracy of it. 
I have filed a lawsuit for total damages of {$18000.00} as well as filed a complaint with The XXXX   and The CA State Attorney General 's Office
Consumer complaint received 2018-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (AE)

I am never late with my Mortgage Payments, in fact, I always add enough money to cover at least the next Principal Payment. 
As I am nearing retirement, I am interested in paying off my mortgage entirely so I am now sending additional principal curtailment checks after I send in my monthly payment check. 
The Mortgage Co credits my payment check to my account in two days, but takes 7 - 10 days to credit my principal curtailment checks. Why? 
They claim the delay is due to " Receiving and Processing ''. 
I think they are earning interest on the money and just not being honest about where it is and why it takes so long.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BBVA FINANCIAL CORPORATION (MA)

I have never been more disappointed in a product I had such high hopes for. As I watch the banner video on this page I can truly say what they claim border on fraud. 

XXXX XXXX ( a part of BBVA Compass ) claims to be servicing the " Expat '' Community but this is the WORST financial product for an Expat. Adding to the already well noted issues about its inability to provide a current reconciled balance ; significant delays in posting direct deposits ; and part-time customer service ; I've now experienced the " security block '' of the card because it was used in multiple cities. While traveling within the US ( my home country ) then even internationally, my card was declined ... there's no 24/7 Customer Service never mind even regular reliable customer service hours where you know you will reach someone ; and when I finally did get someone who could look at the account - they had NO idea why the card was being declined ( side note - literally sounded as if the guy had me on speaker phone in some empty office on the other side of the world which didn't offer much confidence ) ; and it took another 3 or so days to say it was a security check because of the use in multiple cities, and another day to " resolve '' that. They said the card was unlocked, yet when I go to use it - STILL declined ... still not able to reach anyone in customer service.

So as of today I have been out of my home country one week without access to or use of my card. 

No one takes any responsibility for the poor service and even worst execution of this product - all I get are excuses ... 

" The demand for the card was much greater than we expected '' ; " The app is still being developed '' - Perhaps instead of saying we're " Founding Members '' we're actually BETA Testers we should have known this. 
" The security lock is something VISA does '' ; The only actions I've seen XXXX take toward resolving any of the other customer complaints on this forum is that I've noticed now instead of the phone directly going to voicemail, there's a delay, message and some nice music saying they're looking for someone to assist before my calls are sent to voicemail. 

So in summary, I've given this card time and energy to see if it does what it says and in every way imaginable XXXX FAILS to deliver as a product. This is truly an example of " you get what you pay for '' - there are no international transaction fees ... and there's no service or support as well. This card not only grossly underperforms but operates directly contrary to its advertised capabilities. Nothing with it happens in anything close to " current '' status ' and it is FAR from anything close to being convenient for the Expat community. 

Then to see in some of their XXXX page comments obviously scripted exchanges with " customers '' just adds to the concern this is a fraud of some kind.
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (MS)

I recently obtained a copy of my credit report and noticed that i have some hard inquiries that i did not authorize. 



XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-13
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. (ND)

Transunion has been very irritating to work with. I spoke with XXXX XXXX back in XX/XX/XXXX to remove a negative account. They charged it off back in XX/XX/2016 for {$1900.00}. They decided to give me a second chance so they just cancelled it out. Spoke with XXXX and transunion after to let them know. I sent the letter from XXXX XXXX over to them both and neither have updated it. XXXX at least agreed to remove it where transunion just told me no. I also have 14 hard inquiries and should only have 4. 5 or 6 from the last week for a car. I have a car. Not sure why I have so many. The only ones I should have is for XXXX, XXXX XXXX, XXXX card, XXXX card and I believe a XXXX XXXX, one. Not even close to 14. My credit went from over 700 to less than 650 with these issues. Id appreciate if it can be fixed. Working on my credit to buy a home in a year or two so I've been careful not to do too much with my credit. I appreciate any help you guys can give me. Thank you.
Consumer complaint received 2018-08-13
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX has a XXXX account collection reported to my credit report. I was never notified of this debt nor was the debt ever verified before being sold and posted on my credit report as a debt collection. The original creditor is XXXX XXXX and they have been paid directly for this debt.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX continues to harass me and damage my credit by going back and forth. I notified Synchrony that the XXXX XXXX that was opened in my name was fraudulent. At the time of reporting it, I lost my wallet. I was not able to recover my wallet, and as soon as i saw the account reporting on my credit i immediately notified the company and provided the company with an FTC Affidavit, I additionally notified the law enforcement agency in my area that my wallet was stolen, and that someone used my Identity to open this account. When calling XXXX back after being sent 3 different letters i was told that they verified the account was fraudulent and that i would not be liable for this account. Additionally i was sent a letter in the mail the first time stating the account was fraudulent they verified that i did not benefit from the account. As stated to XXXX when my Wallet was stolen, my Identity was used to open the account. I did NOT benefit from this account, The bank account that they " stated made payments to the account '' is an account that i additionally reported as fraud as well, And that account has been closed and removed from my record. My Email addresses were hacked as well and my USPS mail was forwarded. I had to find all of this out and i have just now begun correcting and restoring my identity. After this letter, XXXX followed up with a second letter confirming they contacted all 3 credit bureaus to have the account removed from my credit reports. Lastly i just now received a third letter today and in this letter it states they were unable to accept my claim as they said i benefited from this card, and that payments are 1 year old? You can't accept someones claim, and then later after sending two letters confirming the fraud send a third letter stating its not fraud. You verified this account as fraud. I DID NOT Benefit from this account. I never received a card, my identity was stolen. This account has been removed from all 3 credit bureaus as fraud, and i do not understand why you are attempting to falsely send me documents clearly revoking everything you said in the first two letters. To me that seems like False legal documentation. This account is fraudulent, when the person stole my wallet they also forwarded my mail, they also opened bank accounts. Created email addresses and hacked my email address. I want this corrected now and to know what the real truth is? You have my law enforcement documents. Please stop being wishy washy. You already confirmed the fraud.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion consistently displays the message " We are unable to complete your request at this time. '' on their website when trying to view my free consumer file, dispute a claim, or freeze my account. 

I believe this is by design to make my access to my information difficult and create a barrier to me controlling my data.
Consumer complaint received 2018-08-13
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/201 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX-XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company:XXXX XXXX XXXX  Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXXXXXX   Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date :XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018
Consumer complaint received 2021-07-27
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have met and connected to XXXX XXXX  options people via Social media, they contacted me and gave the promotion to the business. At one point, I decided to do an investment with a very small amount and showed the profit as very large for a two -week trade. To get the Profit only scammed because i am non XXXX XXXX  and am not aware of these trading process in US before, to get the Profit, they are asking me to pay the Money for Tax, IRS, FBI, IBPC, Treasury, Late fees and all in legal terms. To avoid anything to my Visa I have paid requested Money. Later myself able to find one of contacted Person contact info on Scam case and that phone number blocked my contact as well. Then i have contacted the FTC to file a compliant and working with Bank on my claims, which never i received any positive feed back yet. 

As am here to Work on US to full fill my dream of building an Home back in XXXX XXXX. I have been counting each dollar and that investment promotion gave me some greedy mind to reach to my dream earliest as it was all legal. After that lost of this much amount of money, i have struggled mentally as i can not shared the story to any one of my friends or family members. Lost of money affected my XXXX  XXXX expenses, i have to take loans to meet some of my expenditure. It was affected badly interims of Money, health, happiness in my life, it is painful chapter and i pleaded to get a light to remove the pain. I would not do anything like in future and i will try to prevent the people who am aware of this, if they try to do.
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Experian Information Solutions Inc. (CO)

XXXX @ XXXX XXXX mountain time. 


text message received " XXXX XXXX Our office has been notified of a return check. To prevent your file from being turned over to the Check systems call our office today. A Claims Specialist can be reached at XXXX. '' The number is a Hypertext link. 
In my opinion, this is timed with the Federal checks set to roll out to tax payers.
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Financial Services reported that I was 30 days late on my credit card to the credit bureaus. We only discovered this late report approximately a month ago when applying for a loan for a new home. In the last few weeks we have spoken with USAA 5 times on the phone including most recently today for over one hour. On every single phone call we've had with them they state that it was an error on their part and that they'll fix the error. Last week they mailed out a statement letting us know that they found no issue with their reporting and that we should file an appeal in order to correct this issue. Today, as previously mentioned they were extremely apologetic but said that we should be fixing their reporting issues with the credit bureaus rather than them. We are extremely frustrated with this issue. Their negative reporting is going to cost our family thousands of dollars a year in interest costs on our new mortgage as a result of their negligence in reporting and incompetence in fixing the issue. Unfortunately, the 3 times we've had them tell us we'd get a statement in writing that they were incorrect in their reporting they've failed to produce one.
Consumer complaint received 2019-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

Citi decided to closed my account AGAIN today XX/XX/2019, it happened twice in 2 months already that they decided to closed my account. the first time it was an error but they had my account and my money hold for 2 weeks and reopened them again after 2 weeks and today they decided to closed my account again due to my relationship with citi. they told me because there's return check, but I had double checked with citi, every check i saved into my citi checking or saving account it never got return, the only return checked fee citi costs from my saving which it's there are multiple unauthorized transaction XXXX was trying to charged me off from my saving but it's because my saving account don't have enough funds to cover it so citi keep charged me a return check fee everytime XXXX unauthorized charge me the money off from my saving and second, yesterday I opened another saving account with citi but I didn't pay attention that I accidentally opened the same saving account with citi and i was about to called customer service but they were closed already and when i am ready to called them this morning i figured out that they are decided to closde my both checking and saving.
Consumer complaint received 2019-06-17
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: EQUIFAX, INC. (VA)

Equifax has failed to delete files that are over 7 years aged and has failed to correct their report that shows 2 real estate mortgages. I have asked Equifax over a dozen times to delete XXXX XXXX XXXX as the account is closed. They show 2 open real estate mortgages, which is incorrect.
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TN)

I lived in XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX after just returning from XXXX . I am an XXXX XXXX XXXX in the United States XXXX. In XX/XX/XXXX I received new orders and began the move out process, I gave them a hard copy of my orders and had email traffic ( at the time ) with the manager at the time named XXXX. He examined my apartment and told me to have the carpets cleaned. He gave me the phone number for the company they use and I paid almost {$200.00} for the carpets to be cleaned. The day I moved out I was told to leave the keys on the counter and lock the door behind me. I emailed him and called him afterwards trying to figure out if all was good and if I owed anything more. He never got back with me, so I took that as an understanding that all was okay. In XX/XX/XXXX, I received an email from the current manager that replaced XXXX saying that I owed a debt, I informed her of the situation and she confirmed she saw the email traffic. I let her know that I would only speak to corporate and to refer me immediately. After unanswered calls and emails, I again thought all was taken care of and sorted out. I then just received a letter in the mail dated XX/XX/XXXX saying I owed even more. I am so confused, I called the collection agency and they threatened my credit, yelled out me, berated me, and told me that if I didnt pay today it would noted as a refusal and they would report me. They told me I could take a payment plan, but that the plan would only be available today. They then began to tell me they accept Visa and MasterCard. I have tried countless times to get in touch with the Apartment Complex, none of these charges are warranted. I have not lived in that apartment complex for almost a year and half. They have had my contact information this entire time. 
The Collection Agency is called ProCollect and I believe it to be a scam. I have undergone XXXX  XXXX just this year already and I was just able to go collect my mail after an emergency XXXX XXXX, they told me I have until XX/XX/XXXX and then they will destroy my credit.
Consumer complaint received 2021-04-16
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. (TX)

Experian has negative record of no child support paid since XXXXXXXX XXXX OAG has requested this to be deleted. I have sent Experian proof of all payments from XXXX I sent Experian a letter from XXXX OAG stating I am current. I have submitted 3 disputes and still unresolved. 

Please help.