davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BSI Financial Holdings, Inc. (PA)

While in bankruptcy protection ( XX/XX/XXXX-XX/XX/XXXX ) my mortgage was sold to BSI. Even though monthly mortgage payments as well as monthly bankruptcy payments were made in full and on time, BSI continued to assess  unsubstantiated and unwarranted fees. Three separate complaints were filed with CFPB in XX/XX/XXXX regarding these unlawful charges ( XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ). On XX/XX/XXXX BSI representative XXXX XXXX sent a letter that stated " BSI has determined that there are inaccuracies on your loan and have made corrections. Pursuant to the payment history the BSI account was indeed current ''. since that time we have been trying to get BSI to correct late payment notices they posted earlier in XXXX prior to that note. We have sent copies of the checks, as well as the day each individual month they were received and cleared our bank. BSI sent reports to the credit reporting agencies that each of our first 6 payments to BSI were 60 days late or more, and has been unwilling to correct this misinformation. Since we did not pay BSI anything additional other than mortgage each and every month, and they themselves determined us " current '' as on XX/XX/XXXX, ( and admitted mistakes ), something doesn't line up correctly. On XX/XX/XXXX we attempted to get this information corrected with no success. We filed a new complaint with CFPB ( XXXX ) trying to get the same, again with no success. Again, since the entirety of what we made were scheduled monthly payments every month, in full each and every month in XX/XX/XXXX... and we have the actual checks with the dates each month when they were received and the date they cleared BSI 's bank that very same month, with no additional monies were sent to BSI ... they admitted in XX/XX/XXXX they indeed had made inaccuracies with this account and corrected their account records ( and indeed the account was current ), how can there be 6 consecutive months of 60 days or more late from XX/XX/XXXX to XX/XX/XXXX? We even wrote on the front of each check " for use toward XX/XX/XXXX mortgage payment in full '' on XXXX 's check ( received in XX/XX/XXXX, cleared by BSI XX/XX/XXXX ). This process was repeated each and documented each and every month, for the exact month the payment was due.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have disputed a bankruptcy that was not mine for the last 2 yrs.. it was removed and put back on when it was not verified. As i continued to dispute they stated it was verified and would not let me continue to dispute
Consumer complaint received 2020-06-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (TX)

Calvary Portfolio Service would not disclose who they were or who they represented. 
They claimed that a XXXX credit card was opened and not paid. The representative began to become very rude and offensive when I ask who was speaking. He became very abusive and obnoxious, cursing and calling me foul names. Telling me, " You are going to pay me in full or I'm going to throw your XXXX in jail, and ruin your f**king credit! ''
Consumer complaint received 2022-09-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-03-21
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. (NY)

XXXX XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT IS INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND REFUSED THE FOLLOWING : 1. CREDIT CARD FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS.

THERE IS NO SUCH LAW THAT STATES ANYTHING THAT NEEDS TO BE REPORTED TO A CONSUMER REPORTING AGENCY, THEREFORE YOUR ORGANIZATION IS LIABLE.

FURTHER, PURSUANT 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. 

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY. 

I AM DEMANDING, UNDER PENALTIES OF PERJURY, FOR YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAILS OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETHER THE TRANSACTION TOOK PLACE OR NOT PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND TO DO THE FOLLOWING : 1. DELETION OF THE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX DELETION OF THE ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX SINCERELY, XXXX XXXX
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

To who it may concern, My concern is regarding Shellpoint Mortgage Servicing Company. This company has received my monthly mortgage payments and have failed to account it as payments received. My bank has sent me proof the account was cleared and paid. This company is trying to foreclosed on my house and has sent me a letter indicating they sent my file to their Loss Mitigation dept. The person who they assigned it to is XXXX XXXX XXXX x XXXX. Their corporate number is XXXX. 

I have can send proof of my claim from above should you need it. Please assist.
Consumer complaint received 2020-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I pulled my credit report and found inaccurate, erroneous, unverified, negative INQUIRIES on my credit report. I have no recollection of these inquires.
Consumer complaint received 2020-06-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/20 I requested ; Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt From portfolio recovery. As of XX/XX/20 I have yet to receive NONE of the requested documentation let alone ANYTHING that could validate this account. If I am indeed the person you seek then providing these things should not be an issue. As you can see it is BEYOND the 30 days allotted by law. I have no problem seeking legal counsel to protect myself from this company. They have refused to validate the account. They also have refused to remove this account from my credit seeing as though they cant validate it. They have chosen to continuously violate my consumer rights. Keep in mind I sent a debt validation letter TWICE. While I prefer not to litigate I will use the courts as needed to enforce my rights.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have disputed a bankruptcy that was not mine for the last 2 yrs.. it was removed and put back on when it was not verified. As i continued to dispute they stated it was verified and would not let me continue to dispute
Consumer complaint received 2022-10-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/22 I exited forebearance with XXXX that was to be taken from principal balance and deferred for lump sum at the end of the loan. Instead they left it all in the loan and every month on forebearance added a missed payment to an unpaid delinquent balance. They called and said they were just starting my loan over and payments wouldnt change. Now the have added all the deferred payments that were supposed to be made at the end of the loan again so I now have a XXXX extra balance in the loan because they didnt take out the payments to pay at the end they left them in and added them again telling me my payoff balance is now XXXX. I spoke with a banker he said my principal balance is XXXX and when I asked for a printed payoff he left it out saying they wouldnt waive the XXXX. I am not asking them to waive them I asked they reduce the principal by them and add as they were supposed to at the end of the loan. I have paid interest now on the full balance forebearance payments and all. So they double every payment I was in forbearance on. If you look in the attached documents I highlighted the error. Whether it is someone printing it wrong they now added XXXX to my loan and will not move all the payments out of the loan to the unpaid balance. They left them in the balance and added them again
Consumer complaint received 2020-08-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Constar Financial Services, LLC (KS)

Due to Covid19 and loss of business income, I had a vehicle I voluntarily surrendered to XXXX XXXX, that vehicle was sold on XX/XX/XXXX, I received a letter from XXXX XXXX on XX/XX/XXXX stating what my deficiency balance was. On XX/XX/XXXX, I tried to call XXXX XXXX and was routed through their automated system to Constar Financial as it indicated my account had been turned over to them for collection. I tried for several days to reach Constar and  finally on XX/XX/XXXX, was able to reach Mr. XXXX XXXX with Constar.  Upon my conversation with him, a settlement agreement was made in the amount of {$4200.00}. I gave him account information for which to take that payment out of. I was told that once that cleared my bank account, I should call back in and they could then issue me a receipt and also would notify XXXX XXXX At that time that my payment was made in full and had cleared. Since XX/XX/XXXX, when I was notified by my bank that the payment to Constar Financial had processed and cleared, I can't get anyone to answer the phone. I have called daily if not multiple times a day since XX/XX/XXXX and left at least one if not more messages a day requesting a receipt for this payment beyond what my bank statement has already showed. There has been no answer on their end nor any attempt to call me back. I would like to get this settled and have formal receipts from Constar so that I can show this paid and also so that XXXX XXXX   will show this has been paid.

You'd think after handing this company over {$4200.00}, they could do a much better job in customer service. 

XXXX XXXX XXXX XXXX XXXX, KS
Consumer complaint received 2020-08-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WV)

First of all, what financial organization has XXXX customer service? This is unreal?? Loan originators don't answer phone calls but will reply emails in real time?? I was told the refi process takes 3 to 4weeks. {$590.00} appraisal fee paid for on XX/XX/XXXX to loan originator..amerisave didn't order the appraisal till 15th.appraiser comes to my house, does appraisal and a week later, no report.Then they try to change the terms of the 15yr refi and offer me a 30yr loan that'll require me to pay more than what I pay for my current loan? Who does that?? .The loan originator informs me he quit and ill be assigned a new originator. The new originator never answers my calls but will reply emails in real time. I request a refund but I'm given the run around.Basically ill lose about {$200.00} if I request refund. Then I get a call that ill be offered the 15yr refi I originally requested and a new appraisal ordered.That was almost 2 weeks ago.The appraisal hasn't been ordered.Theres no one to talk to.Customer service number just rings and you get an automated answer. Loan originator won't answer his phone. This feels like a scam to me.If this is how XXXX does business, its a shame!! So its either I get shortchanged if I request a refund or I wait for this to drag on forever.those are my options. 
Thanks XXXX!!
Consumer complaint received 2020-08-08
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. (NC)

I had an account balance with XXXX  of {$100.00} which I had paid. I even have proof of my payment. So I disputed it with Transunion and let them know that Transunions information is in accurate because XXXX was saying that it shows that I have paid {$100.00} to clear the count. This has been going on for months. I keep disputing it and they keep coming back and saying its accurate. So I call XXXX Supervisors and talk to someone and let them know that its in accurate and they need to update it because Transunion not accurately updating my credit file makes my credit looks so horrible compared to the other agencies. XXXX said it should reflect the balance as paid. Transunion has sloppy reporting and difficult to challenge inaccurate information Im not sure where theyre getting it from. And then when things are cleared up and it shows on other Credit Reporting accounts I have to fight Transunion to clear it on there account. Sometimes it takes months and sometimes it takes years. Im looking forward to buying a house in the future but I feel like if Transunion keeps treating me like this as a customer Im gon na have a hard time getting approved. Im working very hard to build a positive portfolio. Transunion is hurting my overall Fico Score Without up to date or correct information and theyre not willing to work with me to fix it even with proof. Thats not right and I paid for their credit reporting service and they still have the most sloppiest and challenging to work with credit reporting service. Please look into this for me because somethings wrong
Consumer complaint received 2020-08-08
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 (OH)

I am writing you in regards to unauthorized charges made through XXXX XXXX  on XX/XX/2020 for XXXX under the account XXXX. I notified by email within minutes of the unauthorized charge. This charge was accidentally placed by a XXXX XXXX XXXX who was playing the game and accidentally made a purchase. They have not responded to the email. I also reached out to Capital One after the email was sent because I was in a panic and they started a dispute for me on that date. I gave then everything I had which was the email I sent and the fact that I did not authorize it. They have since denied it twice and are now telling me to go back to the merchant who is in XXXX and not responding. My husband sent another email today after the second dispute was denied. 

I always pay early and for more than the minimum. I didnt authorize this purchase and I need help
Consumer complaint received 2020-08-08
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: Bread Financial Holdings, Inc. (VA)

I just recently tried to obtain a vehicle loan and was denied. There is an account reporting as mine and it is incorrect. This account is a Victorias secret opened my my husband and he listed me as authorized signer without my authorization.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I had not been receiving a bill due to an address change and was not made aware of it until months later so that the debt collector could rack up unfair interest charges. The debt collector had made no attempts to contact me prior to reporting the outstanding debt to Experian yet I was not given the opportunity to correct the situation when I reached out to Experian. 

I regularly make payments far greater than the amount in question and have never missed a payment ; this interest extortion is clearly is not reflective of my credit score and Experian is wrong to be misrepresenting my creditworthiness. I don't have this issue with any of the other credit agencies. 

I have been unable to reach Experian subsequent to my initial dispute filing.
Consumer complaint received 2020-08-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

They have been calling, one after another for over 3 months. I asked them to stop, I made a payment online to them, and the calls started coming in even more. Every time its a new number, today its XXXX and they have called twice already. They dont leave messages, its always numbers from other states, sometimes when I am at work they will call multiple times back to back, as if there was an emergency for a family member.
Consumer complaint received 2020-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

PNC is no longer allowing connections with XXXX which is a third party virtual.wallet and payment service that I have used with them for years. Now that they have their own service they have cut off XXXX. This is non competitive and should be addressed immediately.
Consumer complaint received 2020-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (NC)

tried to link account from XXXX XXXX XXXX to PNC bank the XXXX site said that PNC has made a change that prevents the accounts from being linked.where I am prompted to file a complaint with you..