davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BSI Financial Holdings, Inc. (NV)

BSI Stole from escrow {$1000.00} additional dollars claiming to pay PMI. BSI has been notified multiple times of the stolen money from my escrow. They paid PMI {$300.00} for the months of XXXX, XXXX, XXXX, XXXX, and XXXX for a total of {$1500.00} when it should have been {$510.00}. BSI has refunded my account XXXX and {$510.00}. My escrow account is owed an additional {$200.00} that has been STOLEN by BSI and they are now trying to collect from me. When you charge someone three times the amount they owe you MUST return the two times that did not belong to you. BSI refuses to return my full amount and have stolen the money. I want my FULL escrow refund of {$1000.00}. This is the third time I have filed this complaint when will something actually be done?
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

My company XXXX, XXXX acquired XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) in XXXX of 2021. 

I opened an account with Suntrust and informed them of the acquisition and that we would need to be able to accept checks from the acquisition. 

We deposited {$7400.00} ( 3 checks ). Within two weeks, sun trust closed the account XXXX XX/XX/2021 ). 

Since then, we have provided all documents suntrust has requested except our customer 's bank statements. We do not have access to our customer 's bank statements and that is very unprofessional for us to ask of our clients. 

We provided Suntrust with our registered DBA with the florida division of corporation and the purchase agreements and all relevant documents that clearly identify XXXX as the owner of the business. They refuse to provide us the funds until we give them our customer 's bank statements which has nothing to do with whether the funds are ours, which is clearly identified with the documents we have.
Consumer complaint received 2024-02-28
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. (WA)

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.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TapTap Send Inc. (MD)

On the XXXX of XXXX, 2024, I sent {$200.00} via a money transfer company called TapTap with the expectation that the money would arrive in my account in XXXX within a minute. However, the money has not yet appeared in my account. Despite my repeated attempts to resolve the issue by contacting the company, the money still has not arrived. I have provided the bank statement from the foreign bank where the money was supposed to be deposited, but TapTap has neither refunded my money nor transferred it back to my USA account. Each day, they promise to resolve the issue, but I have yet to receive my refund.
Consumer complaint received 2021-06-18
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-18
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. (MD)

My name is XXXX XXXX. On XX/XX/2021, I submitted letter to the three reporting agencies ( Equifax, XXXX, and XXXX  in regards to some inaccurate information that was reporting on my credit report. This is very concerning that I have not heard any results of their investigation regarding the erroneous information showing on my report.
Consumer complaint received 2021-06-18
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. (NY)

Equifax has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation toEquifax because my character has been defamed. I demand that these accounts below be removed immediately.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-18
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. (MD)

My name is XXXX XXXX. On XX/XX/2021, I submitted letter to the three reporting agencies ( XXXX, Transunion, and XXXX  in regards to some inaccurate information that was reporting on my credit report. This is very concerning that I have not heard any results of their investigation regarding the erroneous information showing on my report.
Consumer complaint received 2021-06-17
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: Resurgent Capital Services L.P. (NY)

the accounts listed here were reported on my credit report without any authorization, review dentity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XX/XX/XXXXAccount XXXX : XXXX This is not mine. 

4. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

5. Identity Theft XX/XX/XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XX/XX/XXXXXXXX Account XXXX : XXXX This is not mine.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MI)

I was notified by chase that an account was opened in my name. I have never had a chase account before so this is clearly fraud. My SSN is XXXX. I will be uploading a proof of address and my ID.
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (GA)

WELLSFARGO IS ACCUSING ME OF FILING A FALSE COMPLAINT ON MY CREDIT CARD, SAYING THAT I DID THE FRAUDULENT CHARGES ON MY CARD. WELLSFARGO IS PREJUDICE AGAINST XXXX PEOPLE, UNLESS YOU ARE PRIILEDGED. I HAVE BEEN DISRESPECTED AGAINST BY WELLSFARGO, LIE TO BY WELLSFARGO, ALL BECAUSE I AM A XXXX PERSON. WELLSFARGO IS THE BANK THAT SHOULD BE INVESTIGATED FOR THEIR TREATMENT AGAINST PEOPLE OF XXXX. I KNOW MY CIVIL RIGHTS. THE RIGHT TO A FAIR TRIAL. WELLSFARGO HAS NOT SHOWN ME ANY FAIRNESS. HOW CAN YOU DECIDE FAIRNESS, WITHOUT PROPER INVESTIGATION.
Consumer complaint received 2021-06-18
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)

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, bM For the following accounts : I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. This is the letter i sent to the credit agencies for the following accounts : XXXX XXXX : XXXX This account is showing a high balance of {$1100.00}, but it is saying that I am also past due that amount. This information is incorrect. 
XXXX : XXXX I have asked for this account to be verified that the information reporting is correct. The agency has failed to do so. The account is showing on 1 report it is 120 days late on the other agency it is reported as a collection.
Consumer complaint received 2021-06-18
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: Southwest Credit Systems, L.P. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-06-18
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: TD BANK US HOLDING COMPANY (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-04-18
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: Avant Holding Company, Inc. (PA)

A fraudulent credit card was opened in my name by an unknown person in XX/XX/XXXX with Avant , LLC. I did not discover this until months later in XX/XX/XXXX. I contacted Avant to file a fraud report. Upon review they contacted me back and told me to fill out a fraud affidavit. When I asked questions about the account they refused to answer any questions or give me any information. My credit score has dropped roughly XXXX points.
Consumer complaint received 2021-06-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Protas, Spivok & Collins. LLC (MD)

We hire a Public Adjusting Company to assist in the process of settling a homeowners claim with XXXX XXXX XXXX. 
XXXX XXXX paid out a settlement check in which the adjusting company XXXX XXXX XXXX XXXX ) are holding and will not release to us. 
Our Mortgage company ( XXXX XXXX XXXX ) is waiting to receive the settlement check to distribute the funds to ( XXXX XXXX XXXX ) for their services, the ( Contractors ) that will perform the home rebuild, and a percentage to us ( home owner ). 

That is the XXXX XXXX XXXX Adjusters will not release the check to our mortgage company which has cause extreme delays, financial loss, and Contractors discouragement. 

The Main issue at this time XXXX XXXX XXXX opened a claim for collection with a law firm. 
Which we believe is bad business practice, since we did accept the settlement offer from XXXX XXXX, so there was never a matter of not wanting to proceed. 

XXXX XXXX XXXX want to govern the distribution of funds to control the process in rebuilding our home to it's completion, ( payout to contractors material and labor ) makes surprise visits from several states away to charge us for travel. 

XXXX has even stated themselves that we Do Not need to go with their services from this point for forward. 
This was confirmed with our mortgage company XXXX as well. 

This is Bad and Unfair Business Practice.
Consumer complaint received 2021-06-17
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. (NM)

I have disputed these inaccurate accounts that are reporting to my credit report for validation and all companies involved XXXX XXXX, XXXX, Equifax, and XXXX  have all verified them reporting as " Accurate ''. I received a letter from XXXX XXXX on XX/XX/2021 showing the itemized information they are claiming as accurate and have an incorrect SS # listed under my personal information that is NOT mine! This false information can be someone else! See attached copy letter from XXXX XXXX and my credit report showing how they are reporting false/inaccurate information to XXXX, XXXX, and Equifax!
Consumer complaint received 2021-06-18
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. (GA)

I am filing this complaint because the consumer reporting agencies are ignoring my dispute letters and they are reporting inaccurate information and VIOLATING my consumer rights in many ways. I first contacted them in XXXX and still havent received a letter in the mail about my disputes. When I contact via phone they keep directing me to send letters which I have done so three times already. I am very upset. 


Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I demand that they delete the disputed items immediately due to them violating federal law.
Consumer complaint received 2022-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc. (TN)

Automated Collection Services continuously sends me letters claiming that I owe {$4100.00} to XXXX XXXX XXXX. I have never had services with XXXX XXXX XXXX. I reached out to Automated Collection Services over 60 days ago via certified USPS letter ( I attached a copy in the CFPB document portal showing when they received my complaint ). They have yet to respond. What they did was buy some erroneous debt for pennies on the dollar in hopes to turn a profit from it. They obviously didnt try to verify this with any official documentation. This company is HORRIBLE. Every time I call they give me the run around.
Consumer complaint received 2021-06-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MN)

I was contacted by XXXX and XXXX via phone. It was a recorded message in which I could select a button to transfer to a representative. When I did that the person I spoke with at XXXX and XXXX threatened me and then hung up when I requested a future date call back. I've been requesting pay-off options and have been willing to surrender the vehicle from the start of going into default on this loan / debit. I understand that's not an option and I'm working to get the money to pay this off. However, I do not think its acceptable to be treated as such a way. When I called back this person continued swearing at me using the XXXX  word and hanging up. I'm simply requesting a future date to settle this. I just need more time to get the money. The original loan amount was {$550.00}, they're settlement offer is {$690.00}. However, the person I spoke with at XXXX and XXXX threatened me saying she's removing my number and sending my default to court where I'll be forced to pay over {$3000.00} and then hung up.
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (NY)

Upon looking at my consumer report I noticed a third party debt collector furnishing an unauthorized and unrecognizable account. To further investigate this derogatory remark currently endangering my reputation with other institutions I sent XXXX this third party debt collector a validation of debt letter. In response I received a letter from XXXX XXXX XXXX XXXX claiming that they are acting as the attorney for XXXX XXXX and it was even signed by two people who apparently work there XXXX XXXX XXXX and XXXX XXXX XXXX. To my understanding if they did in fact send this letter which it seems as if it was from this law firm. They will be in violation of 15 USC 1692e ( 3 ) as well as 15 USC 1692e ( 4 ) when they threatened to garnish my pay and take my home, car and other personal properties. They gave me less than thirty days to prepare for this court date that can ruin the life of my family and I. As well as damage my reputation with other financial institution wanting to do business with me in the future.