davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
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. (TX)

There are a few accounts on my credit reports that are reporting inaccurate information. There are accounts that I am not familiar with, Creditors that I have never done business with reporting negative accounts on my reports. They are reporting that I had a repossession with XXXX XXXX XXXX and are reporting two collection accounts with XXXX XXXX and XXXX XXXX. I have been disputing these accounts for some time now with the credit bureaus and they have failed to respond to my disputes. I have asked for validation of these accounts. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have reached out to these creditors and they have either not responded or have not provided proper valid sufficient documents that prove the account and debt belongs to me. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST METROPOLITAN FINANCIAL SERVICES, INC. (MS)

I answer call to keep them from annoying other references collected info they want to give me and date to pay. XXXX is in hospital and Ive told them Im making arrangements. Someone has called 5 times since then and say they can sue. Wont change situation but they are now blocked from texting bc they are abusing it
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX  XXXX XXXX ). 
( XXXX  XXXX XXXX ). 
( XXXX XXXX XXXX  XXXX ). 
( XXXX XXXX XXXX ). 
( XXXX XXXX XXXX  XXXX ). 
( XXXX XXXX XXXX XXXX ). 
( XXXX XXXX XXXX  XXXX ). 
( XXXX XXXX XXXX XXXX ). 
( XXXX XXXX XXXX XXXX ). 
( XXXX XXXX XXXX XXXX ). 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-09-30
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. (VA)

Hey I'm just checkin to see whats going on with my dispute? I thought I would get an answer with 45 days but I dont have no clue of whats going on, i'm XXXX XXXX SSN # XXXX let me know what's going on you can send it to the address on my id.
Consumer complaint received 2022-05-26
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 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 2022-05-26
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 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 2021-09-30
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. (VA)

Hey I'm just checkin to see whats going on with my dispute? I thought I would get an answer with 45 days but I dont have no clue of whats going on, i'm XXXX XXXX SSN # XXXX let me know what's going on you can send it to the address on my id.
Consumer complaint received 2019-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

History : My mother passed away in XXXX, leaving a home and mortgage to my brother & myself. After her money was depleted, I personally began making the payments until I could no longer financially afford the payments. Due to the recession, the real estate market has never rebounded where the house is, plus it is overbuilt [ 7500 sq house on 18 +/- acres with private lake in rural area ]. Upon ceasing payments to XXXX XXXX [ XXXX or XX/XX/XXXX ], the loan was assigned to Bayview Loan Servicing , LLC. Bayview is a collection company. However, I have been completely up front with them, requesting a deed in lieu. Upon my brothers death, his 50 % was left to his XXXX adult children. It was discovered than XXXX nephew has a large judgement against him. I immediately notified Bayview that a foreclosure would be necessary. In XXXX, I was told everything was fine for the deed in lieu. After a more thorough title search, Bayview discovered my nephews judgement. I provided the necessary info to allow nephew & Bayview to communicate, so Bayview 's legal team could negotiate with XXXX XXXX regarding the judgement. Nothing has happened. Bayview has not maintained the property, yard, etc. I have still been paying the utility bills. My & my nephews emails are not responded to, nor are calls. The property looks quite abandoned. Bayview has not followed the promised procedures, etc. 
I have never had any credit problems, so have no knowledge of the processes. I do believe that 1 and 1/2 years is TOO LONG for this process to take. 
XXXX XXXX # XXXX in the name of XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, VA XXXX ; Bayview Loan Servicing loan # XXXX ; current contact is XXXX bayviewloanservicing.com
Consumer complaint received 2022-05-26
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. (MO)

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 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 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

Spoke to XXXX in Texas she stated in XXXX 2021 my escrow account paid {$7900.00} for my Homeowner Insurance. XX/XX/2021 new homeowner was paid XXXX. I told her I talk to XXXX with customer service XX/XX/2021, she said after the adjustment was made to my Homeowner insurance Mr. Cooper would send me a check form escrow for overage of escrow. I never received the check from Mr. Cooper for escrow overage. I was told by XXXX customer service Mr. Cooper I would have to request the overage payment from my Insurance Company for any overage in my escrow account. Mr. Cooper was collecting for City , County taxes and Homeowner Insurance of which was included with my mortgage payment and was collecting with my mortgage payment as well as for my escrow account. I live in the county and do not pay county taxes. I have informed Mr. Cooper of this several times. Also Mr. Cooper customer service dept. and escrow dept. has servicer federal guidelines they must follow. I don't want to be taken advantage of because someone isn't knowledgeable or does not know how to do their job.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Caliber Home Loans, Inc. (FL)

Reached out to Caliber Home Loans about amending the credit reporting to our XXXX accounts. They informed us to call XXXX. When we called we were told that the account was deleted, and only the mortgage company could reinstate the account. We have been corresponding with the mortgage company since XX/XX/2021, and now its XXXX. Nothing has been fixed we received several letters from Caliber stating that they are reporting as recently as XX/XX/2021. But I would really like to know how they are reporting to a deleted account.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (TN)

For the past 14 months I have repeatedly tried to get Respondent to reimburse the {$300.00} loan taken out of my account in XX/XX/XXXX because of their system malfunctioning. I have on record a recorded phone call between XXXX XXXX and a rep from Respondent discussing this issue and the promise given by Respondent 's rep to reimburse me and to this day has not. Since XX/XX/XXXX, I have tried to get Respondent to reimburse the money they were regularly taking out of my account without my authorization or record of the transaction and they have repeatedly refused. I have written several complaints to the CFPB, the FDIC, and this office between XX/XX/XXXX and present and have not received an explanation or compensation-in fact the illegal action of removing money from my account without my permission, knowledge, or record of the transaction have continued until the unknown date of the closing of my account. On XX/XX/XXXX a rep from Respondent opened a fraud investigation and promised an answer within 60 days. I never received an answer until on XX/XX/XXXX, I spoke to a rep of Respondents about a check I received from an insurance claim they took from me and they claimed that the fraud investigation had concluded in XXXX and I had a negative balance which is not true. Ever since I have requested on multiple times for an investigation to be done on why money was continuously being withdrawn from my account without my permission, knowledge, or record of transaction and the Respondents refused. I have on record in an XXXX spreadsheet the balance Respondents claim I had from the date of opening on XX/XX/XXXX, till present and my true balance and there is an approximately {$900.00} difference. I have tried reasoning with them and they either ignore me, make excuses, or hang up on me. They also refuse to give me the name of their process service agent nor allow me to speak with their legal team to try and resolve this outside of court. Since my account is locked and closed I can not access it to update the XXXX spreadsheet I will attach to this complaint.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I am submitting this complaint because I am being extremely affected by TRANSWORLD SYSTEMS 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 not billed by medical service company, and was not sent any prior notices prior to collection being put on there. Also, they failed to mark account as disputed when I sent them my dispute by mail. The collection company harassed me on the phone. 

My accounts information are : Account Information : Account Number 1 : XXXX Date Opened : XX/XX/2017 Balance : {$210.00} Account Information : Account Number 2 : Date Opened : Opened XXXX XXXX, 2017 Balance : {$50.00} Account Information : Account Number 3 : Date Opened : Opened XXXX XXXX, 2017 Balance : {$50.00} Solution : Deletes my accounts from all credit bureaus and waives the balance.
Consumer complaint received 2022-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (IL)

Hello. I purchased XXXX BMW XXXX ( XXXX ending XXXX ) from XXXX XXXX XXXX on XX/XX/XXXX. Total amount that have been financed ( by BMW Financial Services, account ending XXXX ) {$94000.00}. During a car purchase XXXX purchase also XXXX protection. On XX/XX/XXXX comprehensive damage occurred. XXXX XXXX XXXX decide that it is a total loss claim and issued XXXX checks to the lender, that have been cleared on XX/XX/XXXX ( per XXXX XXXX XXXX, claim # XXXX ) for the total amount of {$73000.00}. During the XXXX XXXX XXXX claim process I contacted XXXX insurance in order to check step for the process. They said that claim will be opened automatically as soon as XXXX XXXX XXXX will close their part and pay to lender. XXXX claim have been initiated on XX/XX/XXXX ( claim # XXXX ) on the amount of {$18000.00}. XXXX XXXX issued credentials for their portal to me, where I found requirements. They asked me to upload some documents and I did. However, XXXX of the document : XXXX XXXX have been rejected. XXXX XXXX have been prepared by XXXX XXXX XXXX company and I upload it into XXXX XXXX so many times. However it still rejected. I called them many times but XXXX associates mention that XXXX XXXX doesn't meet certain requirements. And didn't clarify what these requirements are. On XX/XX/XXXX I got email from XXXX XXXX XXXX XXXX associate with request to contact them regarding my GAP claim. I reply back, and asked who is this company because my GAP agreement was with BMW. They said that XXXX XXXX XXXX is actual GAP insurance company and I have to call and talk to them. I called them, they said that the problem is in amount in XXXX they got from XXXX XXXX XXXX and the actual checks that have been issued. I asked them if they can provide any documentation to me, copy of checks, anything, they denied my request and said I have to contact XXXX XXXX insurance. I called XXXX XXXX XXXX and talk to them again, they confirmed all previous information and mention that both checks have been cleared on XX/XX/XXXX. On XX/XX/XXXX I got email with letter from BMW Financial Services that my due balance {$18000.00} and I need to make payment immediately. On XX/XX/XXXX I initiate conference call between XXXX XXXX agent, me and XXXX company. XXXX XXXX XXXX representative again confirmed all information, all numbers and dates and sent XXXX XXXX again directly to emails that he had for them. XXXX agent refused to provide any contact information for management, or adjuster/investigator who work on my claim, and said they don't have phones. 
Till this day nothing changed. I'm trying to find a solution on that situation. 
All documents and email chains contain my personal information. I don't upload it right now, please let me know if I need to do so.
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

After reviewing my credit file I noticed a collection debt listed for the amount of XXXX ( Ref ID XXXX ) that did not owe, or have any knowledge of. On XX/XX/21 I contacted Resurgent Capital Services requesting validation of this debt. As of date XX/XX/21 I have not received validation or any response for that matter. As per The Fair Credit Reporting Act.Resurgent is in violation of the 30 day time limit to validate a debt and the debt must removed and cease being reported to all credit reporting agencies.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (TN)

I was incarcerated from XX/XX/2021 to XX/XX/2021. While I was incarcerated someone accessed my direct express account and spent {$1300.00} of my money. When I was released I filed a dispute on all the charges that occurred while I was incarcerated. I provided direct express with my detailed release report ( which stated the day I went in and the day I was released from jail ), a police report, and my personal statement. They denied my original claim and are now giving me the run around with escalated claims. Stating that because the people used my card at places that I normally used it that it basically made it ok. They are refusing to give my money back even with the proof I have given then that I was incarcerated when the charges were done. The people that done this used the direct express app that was on my phone and reported my card lost and ordered a new one. When I filed the original dispute direct express did issue me a new card. That is all they have done however.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MD)

Please see complaint ID XXXX. This is not resolved as the company didn't do anything outside of one phone call with a false promise to help and then they closed the concern and gave a baseless reply. I am still waiting on a refund from a merchant who did not send me my products. I can not submit another dispute because the window is closed. I need help because PNC is not treating their customers correctly
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. (PA)

I am writing to express my frustration and disappointment regarding the ongoing dispute process for inaccurate and unverified negative items on my credit report. It is XXXX  to find myself in a continuous cycle of disputing these items, especially when they have been previously acknowledged as inaccurate by another credit bureau.
Consumer complaint received 2022-05-26
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. (GA)

In accordance with the Fair Credit Reporting Act 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 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I was not satisfied with the result I got from my Experian report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information removed or have anyone from Experian contact me about the status of my concern. Here is the incorrect information that I am trying to dispute : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Updated : XX/XX/2022
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent out a for this account being reported on my credit, how it is being reported wrong. I sent it out on XX/XX/2021 and they have not responded at all or fixed my credit report
Consumer complaint received 2023-01-19
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. (AZ)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentially under 15 usc 1681. 

Experian, XXXX and XXXX have violated my rights to privacy and confidentially. 

15 usc 1681 section 604A states that I have the right to privacy.

15 usc 1681 section604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 usc 1681c ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 usc 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.