davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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. (NY)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2022-11-02
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. (FL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (OH)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (MN)

I was banking with Simple. They were bought out by BBVA and accounts were transitioned last Saturday, XX/XX/2021. Since that time I have not been able to setup and online account with BBVA, and neither have thousands of other Simple customers. Their support line never answers your calls, and when they do they say nothing can be done at this time. 5 days without access to my account is unacceptable. BBVA should be held accountable for this blunder.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently noticed some strange charges on my credit card statement online on XX/XX/XXXX. I immediately contacted Capital One and informed them of these fraudulent charges. They immediately cancelled my card and sent me a new one and removed the charges while they conducted their investigation. 3 days later on XX/XX/XXXX I received an email stating that my claim was denied and that the charges will be re-applied to my account. I contacted them directly and spoke to a Manager in the fraud department and they said that they would reopen my case and file an appeal and have their specialist look further into this matter. I patiently waited the 7-10 business day period for the investigation to be finished. I called back 13 business days later since I did not receive a call or an email in regards to the appeal. When I spoke to another manager in the fraud department they concluded that my card was obviously used and that they would not reverse the charges. 

Here 's the problem with that resolution, I live in XXXX, Florida and those charges were made from 2 restaurants and a parking garage in XXXX XXXX, California. They also were for fancy restaurants that even here in XXXX I would not regularly eat at since they are very expensive. Due to Covid, I have not traveled to anywhere other than a few cities in the state of Florida since XXXX of XXXX. How I am being held responsible for charges at these locations that are over XXXX miles from where I live? This is clearly fraud and Capital One does not want to uphold their 100 % zero fraud liability guidelines that they so proudly advertise. I have never been late on any of my payments since I established the account and even paid off my complete balance at the beginning of this year. All I want is for those 4 charges to be removed from my account, and also not be held responsible for the interest associated with those charges either.
Consumer complaint received 2022-11-02
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)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I recently got a letter from a collection agency called portfolio recovery associates Llc. They claim that I owe them a debt of {$600.00} from an account they bought from XXXX XXXX XXXX in XX/XX/2011. That they are willing to take less than the amount they said they are owed but because the debt is over the statute of limitations they cant report it to the credit agencies. That they might take me to court to press me for the money, but if I just wanted to be rid of them I could just pay them now. 
I dont recognize the debt and I get at least one phone call a day from them. When I block their number, they call again from a different number. Everyday for over a month and they wont stop
Consumer complaint received 2021-05-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX XXXX  Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2021-05-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I sent a letter to Transunion regarding fraudulent inquiries on my credit report on XX/XX/2021. This letter was sent via certified mail and shows that It was received by transunion on the XX/XX/2021. I contacted transunion on today XX/XX/2021 and was told that the document were never received. I provided the agents with the certified tracking number, but they still refused to help me. 

Tracking # XXXX
Consumer complaint received 2021-05-13
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. (WI)

Back in XXXX I went to look at my free credit reports and found an address in XXXX that was never mine and the person at that location opened an account with XXXX Now for {$6800.00}. I contacted XXXX Now with my complaint and was told to submit an Identity Theft/Fraud report which I did on XX/XX/2021. I was told the item was not changed as a result of their processing of my dispute. The person I spoke to asked me for my SSN I stated I was uncomfortable giving it over the phone so she asked for the last XXXX digits. I gave mine and she stated those are not the ones on file for this person. Someone at the credit reporting agency must have put in a wrong digit which is now causing my entire problem.
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I am submitting this complaint because I am being extremely affected by CMRE FINANCIAL SERVICES , INC . They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was overbilled by the medical serve companies for unnecessary procedures and I had insurance at the time, which they failed to bill, although all this information was provided to them. I tried to get a fair solution over the phone with CMRE but it was denied. 

Im dealing with a very severe issue, that has caused me tremendous harm, but has a simple solution. I will pursue this matter in arbitration for damages and injunctive relief. CMRE FINANCIAL SERVICES XXXX INC. Has committed multiple violations on my reports, dragging my score and having my financial freedom tied up because of their negligence : Violation of California Credit Reporting Act. 
Negligence. 
Unfair Business Practices Failure to report account as disputed. 
Misrepresentation of facts. 
Account has been re-aged. 
Reporting wrong last activity date. 

Account information : CMRE FINANCIAL SERVICES , INC Account Number : XXXX XXXX Date Opened : XX/XX/19 High Credit : {$1700.00} Account Type : Collection Remedy : Deletion of accounts from all credit bureaus.
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

I have made several attempts to get the information and verification of an account with I.C SYSTEM, INC. with half the account number XXXX ( which is odd the whole account number is not listed, so how do you put that on my credit report ) verified that has been reporting to my credit report over the past 4 months. I have mailed several letters to the company, certified with return. The company refuses to send me the contract or any information on the account bearing my signature which is required by law, so I can compare that account towards my records, because I have no knowledge of the account. I have tried several times to dispute the account with all 3 major credit bureaus, and there not doing the investigation at all, there simply lying about doing that part. I would like a full investigation into the wrong doing.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I have lived in my house since XX/XX/XXXX with no issues. Since XX/XX/XXXX, Shellpoint mortgage servicing has been charging me for insurance on the home which I have told them numerous times I already have insurance. I have called and emailed back and forth over 50 times in the last 14 months to no avail. I provided my homeowners insurance policy and the condo association insurance on the home but this has simply not been resolved. I have continued to make my regular mortgage payments before the XXXX of each month as agreed on my original mortgage contract but they keep claiming it is a partial payment until I pay the additional insurance which I have already purchased on my own. At first, they claimed the name was different and I provided proof of such, then they claimed not to receive my policy, so I emailed, faxed and had the insurance company fax, email and mail a copy of the insurance. At this point, 14months later, I simply do not know what else to do. Shellpoint is trying to bully me into purchasing an insurance I already have and incorrectly applying my mortgage payments in an attempt to foreclose on my home. I diligently make all my mortgage payments on time as I need a home for myself and my family. Please help. I am simply a small citizen going against a huge mortgage company that chooses to bully its mortgage holders. I have attached proof of communication as well as proof of insurance which they have a copy of as well.
Consumer complaint received 2017-09-08
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. (CA)

Equifax has leaked all of the information needed to open credit accounts in my name, as have a dozen companies before them. Consumers remain virtually powerless over their own credit, with private corporations choosing to profit off of our misfortunes directly resulting from their poor security practices.
Consumer complaint received 2021-05-13
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. (FL)

I have sent out Multiple Letters to remove Fraudulent inquiries off of my credit report I have sent letters to both the creditors and Credit Buerros and these inquiries are fraudulent I then next contacted XXXX  and Equifax which I was violated my right under the FCRA by not helping me out denying me to even be transformed telling me that they can't do anything else wouldn't transfer me over to a manager or fraud department I was working with people that couldn't help me then I got transferred and my account was locked or XXXX  but the funny thing is that I was just talking to the dispute department and she got angry when I asked to transferred and locked my account then when I asked to speak to a manager he was able to view it. Then He told me that they will send a letter even though I have sent multiple letters and I did it in a 30-day time frame so and they never answered me so now they must be taken off but still haven't taken them off. EQUIFAX I have had multiple fraudulent inquiries and when I call them they have said almost the same thing but they had an update to their system so they couldn't update help which also violated me under the FCRA and I have been locked of my account for months and every time I call they can't seem to fix and say someone will call but no one has ever called so now it is time for them to take these inquiries off for never helping me get them off and they are fraudulent I have written multiple letters to them no reply. I have filed police reports and done everything they have asked me. Equifax has also never given me a report of my file and has violated that act in the FCRA. Both of them have not let me dispute inaccurate info. Equifax has also not given me a security freeze.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

I purchased a condo in XXXX of XXXX. My initial mortgage company was XXXX XXXX XXXX. My first months payment was in XX/XX/XXXX. I made that payment on XX/XX/XXXX. After that payment was processed ( I can send my XXXX  XXXX bank statements ) my loan was transferred to BSI financial. I set up a reoccurring payment for the first of every month. I got a phone call from BSI stating they are missing my XX/XX/XXXX payment. I informed them that I made that payment to my first mortgage company XXXX XXXX XXXX The assured me this was fine, & XXXX XXXX XXXX  has 60 days to show proof of that payment. So I figured, great they will show proof of payment & this will be handled. 60 days has long passed. It is now XXXX of XXXX. Every single month BSI Financial called me saying my mortgage was 1 month late. I have a payment processed on the first of each month. But since that first XXXX payment hasn't been processed XXXX thinks I am paying off the previous month on the 1st. I spent literally weeks calling XXXX XXXX XXXX to get this handled. No answer. Emails, phone calls, messages left, still nothing. I tried everything I could think of. Then I contacted my lender/realtor. They reached out to XXXX XXXX XXXX  & got it handled. Or so I thought. My complaint is to XXXX XXXX XXXX  & BSI Financial. My credit score has taken a complete nose dive. My credit was excellent before this whole debacle. BSI has ASSURED me multiple times that my credit will get fixed. It still hasn't. They assured me they would get the XX/XX/XXXX payment handled. They still haven't. They assured me I wouldn't get any more phone calls for late payments, they still haven't. I have sent proof of my XX/XX/XXXX payment from my bank statement to both BSI & XXXX XXXX XXXX, still nothing. I sent BSI correspondence between myself, my lender, & XXXX XXXX XXXX stating that this was handled, it still hasn't been. I got the number of a supervisor from BSI. XXXX XXXX XXXX. They are both supervisors at BSI. The first & only time I talked to XXXX she assured me this problem with my credit & XX/XX/XXXX payment would be handled the NEXT DAY. It is now 3-4 weeks later. I haven't received a phone call back yet. I am now calling XXXX every ten minutes  until she answers or calls me back. She has not answered me once. After I finish typing this complaint I will call her again.
Consumer complaint received 2021-05-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I sent out a dispute to transunion and it was delivered on XX/XX/XXXX. I received something in the mail to confirm my address on XX/XX/XXXX. As of XX/XX/XXXX I have yet to receive any correspondence from transunion at all in regards to my results.
Consumer complaint received 2021-05-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-05-13
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: Experian Information Solutions Inc. (FL)

Besides the Student loans all of the Items on my credit report is incorrect 1.My Name is XXXX  XXXX  from birth 2.my address has always been XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  FL XXXX  3.I never had any Credit Cards in my name Student loans yes but credit cards NO please remove Items ASAP
Consumer complaint received 2021-05-13
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: EQUIFAX, INC. (OH)

On XX/XX/2021 after reviewing all three of my consumer reporting files I noticed some inaccuracies. The same day I mailed a certified letter to the U.S. Department of Education/XXXX, along with each of the 3 major credit bureaus ( Equifax, XXXX and XXXX ) challenging the validity of the alleged debts. In addition, I requested the alleged debts be removed from my consumer file since it hadn't been validated by the original creditor ( Myself ). Despite the U.S. Dept of Ed and the bureaus receiving my request as of XX/XX/2021, I have yet to receive any remedy in regards to this matter. Considering the accounts are unvalidated and are negatively impacting my creditworthiness the investigation into these alleged debts are urgent. Moreover, both the alleged creditor and respective bureaus are in violation of several federal consumer finance laws. For example, Truth In Lending ( TILA ) 15 USC 1605, which defines a 'finance charge '. In short, a finance charge is defined, as the sum of ALL charges in ANY consumer credit transaction. If I understand this correctly, if I'm the original creditor and I extended my credit with the use of my social security number with respect to this consumer credit transaction, according 15 USC 1605 all I would be responsible for is the finance charge. This is a willful violation of my consumer rights.

Pursuant to 15 USC 1681 ( FCRA ), Congress finds that the banking system is dependent on the fair ( not unjust advantage ) and accurate ( providing value ) credit reporting. Unfair credit reporting undermines public trust in the banking system.
Consumer complaint received 2022-11-02
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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