davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (OR)

The Agents/Representatives/business doing business as Gregory Funding has been misrepresenting and demanding exorbitant fees/charges under the threat of foreclosure and a term called forbearance. 

Attached is evidence showing that this company has intentionally misrepresented my regular on time payments ; and applied shocking tactics under pressure to force compliance with demands for large sums of money, $ 21,000+ first ( paid XX/XX/2019 ) and now {$17000.00} under what they term delinquency and late payment. 

Further to this fact, they/ their collaborators have placed an advertising on a real estate service indicating my home is up for sale listed as a distress sale. I have been getting calls and mail for many months from individuals attempting to buy from me. 

Recently I read that XXXX XXXX County is a hotbed of white collar crime. This is a very good testimonial of that declaration. 

Examples of their targeting my financial situation : 01. Filing Erroneous Notices of Default 02.  Affidavit of how Gregory Funding has documented my payments 03. Affidavit from my bank proving Regular Payments 04. Them/their agent placing my home on real estate service as a distressed sale 05. Intentionally discounting my payments and listing them as delinquent 06. Multiple calls to force compliance with usurious forbearance contract ( s ). 
a. to my cellular phone ; b. to my aged parent phone to purchase my home at distressed sums ; 07. Evidence of the new demand for payment. 

I am requesting an investigation and remedys to correct/relieve this distressing wrongdoing.
Consumer complaint received 2023-11-29
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Fraudulent credit card applied under my profile. Received a letter from XXXXXXXX XXXX XXXX thanking me for opening up XXXX XXXX Account XXXX. I contacted and they couldn't close the account but also told me a Bank of America application was processed as well.
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

i have been watching my credit score daily for 36 months. there is no pattern to my credit score changing ... i pay cc debt to less than 30 % utilization -- credit score drops by 3 pts ( experian, XXXX  and XXXX ). i do nothing, score up 1 point. i have filed dozens of disputes - either no response or just stmt " we believe them '' but they are under no burden to provide actual data to support it. there should be a transparent credit scoring model - not just " it's complicated '' it's not. that's nonsense. do x credit score increases, do y credit score decreases ... the consumer is not protected. the agency websites are not easy to use and the disputes often aren't responded to. i want to know how score is calculated every single time and what causes it to increase/decrease -- - it's insane that the consumer doesn't have a right to this information. my credit has been ruined - i've disputed with all agencies and it takes years for them to do something besides sending a notice saying 'we got your dispute, we're looking into it. ' bad credit has prevented me from employment, insurance, home ownership, etc. this is truly criminal.
Consumer complaint received 2024-03-16
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$44000.00}
Consumer complaint received 2023-11-29
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-09
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)

On XX/XX/XXXX I submitted a dispute to Equifax to remove a fraudulent item on my credit report for XXXX. After several attempts and various documents submitted and a call to the FL Attorney General 's office I was able to have this item removed. The issue is that Equifax has reported a blanket dispute remark on my open and valid accounts for XXXX ( XXXX and XXXX ). On these XXXX items it now states - Consumer Disputes Reinvestigation in Process. I was supposed to close on a mortgage today but now that these remarks are on my report I am not able to close and may lose out on the house. I have called Equifax and asked them and begged them to remove this wording immediately because they reported those disputes to those accounts erroneously. They refuse to remove the wording immediately and stated it will take XXXX business days even though I NEVER disputed those XXXX XXXXXXXX XXXX  I am beyond frustrated, I am living in a hotel because I was supposed to close last week, now was supposed to close today ( XX/XX/XXXX ) and now I may not even close on this home at all!
Consumer complaint received 2023-05-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed. I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2022-11-09
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: Weltman, Weinberg & Reis Co., L.P.A. (OH)

I was XXXX  from XX/XX/XXXX until XX/XX/XXXX since XX/XX/XXXX ive been in the XXXXXXXX XXXX XXXX. 

Sometime during my XXXX  my credit card information was stolen. However both XXXX bank and weitman Weinberg reis and co refuse to acknowledge this and they're trying to force me to make payment on charges that I didn't do. Any charges that happened between XX/XX/XXXX to XX/XX/XXXX I didn't do nor did I give anyone consent. 

Weinberg has told me on the phone that I said in a conversation that I stated that someone could use my card and they would make payment. That's absolutely false. I asked to hear this recording but they've refused to let me hear it. 

I pretty much think they're bullying me and being prejudicial toward me because I told them I had been XXXX  I've enclosed the documents to show my proof of XXXX. The balance in question is {$9100.00}
Consumer complaint received 2023-02-04
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. (MN)

I talked to a realtor about the process of buying a house so the man ran my credit, and told me that my child support payment is taking a dip on my credit really bad. I was very confused because i have been paying child support since they started it and the realtor said nothing has been reported in and apparently i havent paid child support since XXXX of 2021. I have pay stubs from my work of them taking {$150.00} a week out of my checks since 2021. The realtor said it was very odd because its only on my transunion account and im behind {$6000.00} when just this past year i paid $ XXXX in child support and i have the docs to prove it.
Consumer complaint received 2023-11-29
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 


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 2023-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (TX)

I started a dispute for a transaction on my account on XX/XX/2018. BBVA Compass says disputes can take up to 10 days to be handled and will notify me if they need anything. 

Today, XX/XX/2018, I created another dispute for another transaction on my account ( from the same company ) and found they denied my previous dispute. I called the number provided asking reasons why it was denied. The gentlemen started reading MY dispute but did not inform me of the reason. I asked again for the reason which he replied he would contact the investigator. After about 15 minutes of this ( asking for reasoning ) he stated there was no evidence to support my dispute. I told him that was correct, there was no evidence why the company would charge me twice in one month for something I don't have. Again, he stated not the evidence for the company but for my side. I informed him that no one ever contacted me for evidence or the contract. This time he gave me an email to send the contract to. I asked for him to open both disputes again and please handle it properly. 

Any other merchant service will dispute directly with the company, BBVA Compass bank does not do this. I don't think they do anything. Their dispute process is completely fraudulent. When I asked for the company 's merchant services so I can dispute directly he refused to give me any information. XXXX won't let consumers directly dispute since everything is handled through the providers ( in this case the bank ). I still don't know the information for the company 's merchant service provider as I could directly dispute with them and they would help I am sure. 

I asked for a new debit card and they refused since they won't consider them fraudulent charges, even though I have never authorized the charges. 

BBVA Compass is not disputing anything, they simply sit on a transaction for as long as possible and then close it with no evidence or support. They won't even file disputes on the consumer 's behalf ( their member ).
Consumer complaint received 2023-07-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Ok so it's technically not about my mortgage as it is my mortgage company. The mortgage company is Newrez ( Shell point ). The issue is that my mortgage company will not release my insurance claim funds. On XX/XX/XXXX I contacted my mortgage company about releasing the insurance claim funds in order to pay my roofer for the work they had done. The insurance claim is from last year 's hurricane ( Ian ). The insurance company had finally issued me the check on XX/XX/2023 in order to do repairs. The check however was in both my name and the mortgage co name. I called the on XX/XX/XXXX to see if they had the insurance claim funds and could they release these funds to pay said contractor. They informed me that I need to fill out paperwork that we NEVER received, then once the paperwork was completed an inspection needed to be done and then after all that they would disperse some funds. I asked them if I payed off my entire mortgage would I get the money sooner. A representative in the Lost draft department told my wife and I that..Yes if I paid off the mortgage, they would release all the funds and I would have them in 3 days. On XX/XX/XXXX, I paid off my mortgage and received a copy of My Acknowledgement form from them that the mortgage is closed. On XX/XX/XXXX, I called them back and asked them when my insurance claim funds would be released since they no longer have a vested interest in this property. Needless to say I was bounced around from department to department for over 4 hours and stating that it was not their department that handles that. I continued to call every day since then including yesterday XX/XX/XXXX. Customer Service is now telling me that it will take 30 days for the funds to be released. I explained to them again that these funds had nothing to do with my actual mortgage ( which was paid in full ) and that these funds were for repairs, also at this time with them not having a vested interest in this property that the funds should be released immediately. I don't think they should be holding onto my insurance claim checks since they no longer hold a mortgage to my property.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I trust this letter reaches you promptly. I am writing to reiterate my deep concern and frustration regarding the delayed opening of my accounts. Despite my initial complaint the issue remains unresolved, causing significant inconvenience and distress. 

I understand that unforeseen circumstances can lead to delays in processing, but the prolonged nature of this situation is impacting my financial plans and causing undue stress. 

I am making a second attempt to request the following actions be taken urgently : Expedite the process of opening my accounts and ensure their activation at the earliest convenience. 

Improve communication regarding the status of the account opening. I request real-time updates on the progress made and the expected timeline for completion. 

Given the extended delay and the inconvenience caused, I kindly request that you consider appropriate compensation or accommodations for the stress and financial disruption experienced. 

I emphasize the urgency of resolving this matter promptly. Your institution 's commitment to customer satisfaction is crucial in maintaining a positive customer-business relationship. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX  XXXX Balance : {$35000.00}.
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Synchrony claims my XX/XX/ payment of {$67.00} was returned by my bank, XXXX XXXX. XXXX has no/record of that happening ( see the Email string attached ). 

Since then, Synchrony added outrageous charges that they will not itemize despite my numerous requests. I have continued to make my XXXX XXXX monthly payment on time. Now they continue to ignore my payments and claim I am past due for {$290.00} for XXXX. 

Their late fees and other unknown fees charges are XXXX. 

I am XXXX, partially XXXX, on a fixed income ( XXXX ), and can not afford their outrageous charges, particularly for a problem they created. 

Despite my numerous messages & proof from XXXX that they have no record of returning the XXXX payment, I have been ignored, and until a few days ago, harassed daily by automated phone calls, emails, and texts. 

They have now reported that I am 30 days past due to the XXXX XXXX which lowered my XXXX score from XXXX XXXX XXXX XXXX XXXX XXXX. drop!! 

I have enclosed both Synchrony & XXXX XXXX email strings and XXXX XXXX XXXX. 

By the way, I have 2 other store credit cards with this bank all also in good standing. 

This so-called bank needs to be taught a lesson that they can not run roughshod over their customers.
Consumer complaint received 2023-11-29
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 recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX