davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-06
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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. In addition to this, XXXX XXXX reported that my credit limit was increased during that time period but that no hard inquiry was ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2016-01-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MRS BPO, LLC (NV)

I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt. 

The details of the debt on my credit report are as follows : Account number : XXXX Address Identification Number : XXXX Inquiry made on : XXXX/XXXX/2014 Company Name : MRS BPO Original Creditor : XXXX
Consumer complaint received 2022-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC (IL)

I own 2 properties, a XXXX and a parking spot under 1 mortgage. I refinanced in XX/XX/XXXX. In XXXX of XXXX my servicing and escrow was moved to XXXX 

In early XX/XX/XXXX I received a final notice on unpaid property taxes on my parking spot, and was notified I could lose the property in 30 days if not paid. I paid the tax bill and penalty on my own. Today I saw the property taxes for this property were removed from my account XX/XX/XXXX. When I inquired with XXXX  customer service insisted they were paid correctly. I then got on the phone with the city of XXXX treasurer customer service who confirmed they received my payment but not from XXXX. Then after a second phone call XXXX  customer service agreed they had not made the payment with the funds made from my account. Another payment was made from my escrow XX/XX/XXXX for property taxes due XX/XX/XXXX but I have no way to confirm if its being made correctly until its too late. I found customer service to be evasive and unable to remedy in an appropriate time frame. It is unclear why these payments were not made to begin with but I would guess it has to do with when my account was moved. 

Additionally my monthly payment has moved from XXXX to XXXX dollars this month. Between XX/XX/XXXX and XX/XX/XXXX my XXXX dispersion has moved from XXXX to XXXX, with the additional dispersements in new line items that can not be explained by customer service after I spoke on the phone with them this afternoon. This may be correct ( I don't think so but I'm not certain ) but they are unable to explain the increase and given previous errors i must now insist on full explanations for all these projections There have been other issues with XXXX that I am bringing up now. I have been unable to access tax documents on a computer due to website issues. I've tried multiple computers and tablets and multiple browsers. They insist its not an issue because I can get them on the app.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-07-22
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. (MA)

I have disputed a late payment on my XXXX XXXX credit card with Experian and XXXX and they keep telling me that the late payment has been verified, the problem is that neither Experian or XXXX ever provided me with the proof that I need and that I requested from them showing me that the late payment on the account is accurate. I asked both of the credit bureaus for the bank statement where it shows that I was ever late on this account and I have never received any proof from any of them. They are lying by verifying the information that I disputed, when in fact they never did an investigation on the late payment because the investigation only took 5 days for them to answer me back. I want the bank statement from the creditor where it shows that I was late on the account and that I was late on the say that they are saying that they verified.
Consumer complaint received 2022-05-23
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. (GA)

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 a right to privacy 15 U.S.C section 604 section 2 : it also states a consumer report can not furnish an account without my written instructions
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

CHASE BANK & BRITISH AIRWAYS On XX/XX/2023, I purchased through Chase 's travel agency a ticket for a flight from XXXX to XXXX to be taken in XX/XX/2023. Included in this purchase was an upgraded seat to Premium Economy. The total cost was {$1800.00}. ( See attached for transaction details. ) Upon arriving at the gate, I was downgraded to Economy with the promise I would sit in Economy with the entire row to myself. Unfortunately, one of the flight attendants had their fiance sit next to me where she proceeded to lay down in the entire row, squishing me to the side. They also promised a 75 % refund per XXXX  laws ( Regulation ( XXXX  ) XXXX XXXX ) and British Airway policy ( see attached ). 

I went to claim the refund on the British Airways website many times, with the same response - They are not responsible for issuing the refund- Chase Travel needs to provide the refund ( see attached ). 

I have contacted Chase Travel, Chase Benefits, and Chase Disputes, but nobody can help me or know how to get my refund. I filed a credit card dispute but they refused the refund because " service was rendered '' when I took the flight. 

It has since been escalated to a supervisor in Chase Travel, but it has been a lot of time since that occurred and I am still waiting today to see any resolution, if any. This was my first time using Chase Travel and will certainly be my last because Chase did not advocate for me, their customer, nor is it common knowledge among Chase staff on how to resolve this. 

I have also attached my airline ticket which states " Involuntary downgrade due to over-sales ''.
Consumer complaint received 2022-05-23
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. (GA)

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 a right to privacy 15 U.S.C section 604 section 2 : it also states a consumer report can not furnish an account without my written instructions
Consumer complaint received 2020-12-18
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)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, lease block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXXXXXX XXXX.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizen Bank has an account that is attached to my credit score that was opened in XX/XX/2023. The address and phone number are not mine, the account is not mine. The loan type is a credit card which I do not have an account with them. The amount on the credit card is {$15000.00}, where there are missing payment. I filed a dispute which Citizens denied which I do not understand since this is fraud and not my account. This account is attached to my maiden name not married last name. The person who opened this account lives in MA while I live in XXXX. I need to get this removed from credit report and name since this is drastically lowering my credit score.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (FL)

I, XXXX XXXX sent a remittance back in XXXX to XXXX, where the person over there never received it, I used the SIGUE company through the agency XXXX XXXXXXXX XXXX located on XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and I am not the only one with this problem there are other people involved, I been going to XXXX XXXX XXXX day after day and they are the ones who said that SIGUE will send me a check through mail in 15 days and it's been over a month with no luck, I have never talked to a SIGUE clerk everything has been with someone in XXXX XXXX. All I want is my money {$1200.00} account # XXXX
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

on XX/XX/XXXX - XX/XX/XXXX I authorized an ACH amount of XXXX daily to the app XXXX  which is an exchange where one can purchase XXXX XXXX Upon verification with my bank USAA, I noticed not a daily XXXX charge but rather MULTIPLE daily charges ranging from XXXX to up to XXXX daily to a company called XXXX, while my XXXX app showed only a daily XXXX addon. I to this day, still haven't validated the link between XXXX  and the app XXXX, but would assume this is the parent company. I filed a dispute on XX/XX/XXXX with USAA for the overcharges, and the following day, my account was blocked and XXXX days later was " told '' that my banking relationship with USAA was terminated. My money is blocked at both USAA and XXXX with XXXX communication around a solution at either.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: KEYCORP (CO)

KeyBank / Keycorp states they will not share information with non affiliates yet they have.. XXXX XXXX is co-owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is NOT an affiliate. 
XXXX XXXX XXXX previously stated erroneously that they were given permission by KeyBank / Keycorp which is not true. They again admitted to having this information and that they would delete it. XXXX XXXX XXXX had no authorization to have this information at all AND Keybank/ Keycorp stated they would not furnish. 

Privacy act of 1974 states Section 522a section B ( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties ;
Consumer complaint received 2022-05-23
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: Experian Information Solutions Inc. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract XXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX  and myself! Please send the proper validation
Consumer complaint received 2021-12-09
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

Regrettably, I was ill and unable to make a payment to my credit card. I have been a valuable Wells Fargo Account Holder for over 25 years! As soon as I found out that my account was past due, I paid the account and called customer service to explain I never received the billing statement. Additionally, I requested a late fee that was denied. I can't believe that such a multibillion-dollar bank won't show a valuable customer some grace an empathy. I will be looking closing all my accounts and moving to XXXX XXXX Bank.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract XXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX  and myself! Please send the proper validation
Consumer complaint received 2018-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i
Consumer complaint received 2023-04-18
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 — Problem with personal statement of dispute
Company: CCS Financial Services, Inc. (OH)

Credit Collection Services ( XXXX XXXX ) XXXX XXXX XXXX, XXXX, MA XXXX Date XX/XX/23 File Number XXXX XXXX XXXX Amount of Debt XXXX Paid off reference Number XXXX Although this account isn't mine, but was for another individual car insurance, I gave permission for them to transfer the policy into the other individual name. Which was not done. Now a collection was put on my credit reports, in which the the full balance of XXXX was paid. I contacted Credit Collection Services regarding the payment was made and can it be removed off my account which went down XXXX. I was told they can not remove it, but to contact the bureaus to request for removal. I put in a dispute with XXXX  requested for " goodwill deletion '' twice which one is in dispute again. I contacted XXXX in which I was told the company would have to remove it. Now both of them giving the run around to remove this report which is paid, they put it on my account, but can not remove it? Nor can the credit bureau? For XXXX XXXX to keep the account in my name when I have no vehicle. As well sent a new policy for the individual to sign up. Not my name but in the individuals name. Yet my credit is affected. Request for it to be removed.
Consumer complaint received 2022-05-23
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account DEPT OF EDUCATIONXXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2018-09-26
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. (FL)

This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (ID)

House Fire. The insurance company has done everything they can to delay releasing funds for the repair so i paid everything out of pocket. Throughout the process the released little dribbles of money here and there but it has been complete now for 6 weeks and they wont release the remaining funds. Their own inspectors have confirmed completion. I need my money back as I borrowed it to get contractors paid, it is accruing interest. The mortgage company is doing everything and anything they can to come up with excuses to delay releasing remaining funds.Any info they have requested they received with hours, then weeks later they call back and come up with something else.
Consumer complaint received 2022-10-13
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. (VA)

My name XXXX 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.