davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (CA)

BSI Financial apparently bought our mortgage loan from our previous mortgage servicer. When the transaction ended, XX/XX/2020. The account was closed. The account closing was reported to XXXX   and XXXX. It caused an immediate drop in credit rating 55 points and 77 points for my co-borrower. We did not close the accounts ( we didn't even know what was going on ). The accounts also are not credit card accounts but mortgage loans. The hit has been immediate and dramatic. I called our previous mortgage servicer and they directed me to BSI Financial. I called and the customer service representative said they did receive new loans but that I wasn't even in the computer. My home address wasn't either. So she couldn't help me and told me to call back on Wed., XX/XX/2020. At this time I don't even have any paperwork from BSI Financial. I don't even know who they are really, only through XXXX. I also don't know whom to pay and it is XX/XX/XXXX. I feel that we should have had this paperwork and a letter long ago. My immediate request is to correct the credit ratings as it also impacts job hunting which I am doing now. We didn't ask for our loan to be bought so it is unfair that we suffer an immediate negative hit in credit rating and possibly missed loan payment at this point, without a way to fix immediately. I also would like to know how to pay our mortgage. I feel, through no fault of our own, we are being set up to fail. I will call in again on Wed., XXXX. I'd appreciate any help that can be offered.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

To whom it may concern My credit reports from XXXX, Equifax, and XXXX have a fraud alert placed on them. This fraud alert is affecting me of getting approved for credit cards. I want it permanently removed from my credit report immediately I have mailed the credit bureaus letters but I never received a response and the fraud alert never came off Attached is my identification documents. 

Please remove the fraud alert right away. 

Thanks
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern My credit reports from TransUnion, XXXX, and XXXX have a fraud alert placed on them. This fraud alert is affecting me of getting approved for credit cards. I want it permanently removed from my credit report immediately I have mailed the credit bureaus letters but I never received a response and the fraud alert never came off Attached is my identification documents. 

Please remove the fraud alert right away. 

Thanks
Consumer complaint received 2020-08-11
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1000.00}, {$500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3.XX/XX/XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$500.00} -This is not my account.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

To whom it may concern My credit reports from XXXX, XXXX, and Experian have a fraud alert placed on them. This fraud alert is affecting me of getting approved for credit cards. I want it permanently removed from my credit report immediately I have mailed the credit bureaus letters but I never received a response and the fraud alert never came off Attached is my identification documents. 

Please remove the fraud alert right away. 

Thanks
Consumer complaint received 2020-06-11
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX XXXX {$2800.00} XXXX {$740.00} XXXX {$2000.00} XXXX {$2800.00} XXXX {$2000.00} XXXX {$960.00} XXXX {$1300.00} XXXX {$2000.00} XXXX {$1300.00} XXXX {$1500.00} XXXX {$2200.00} XXXX {$790.00} XXXX {$460.00} XXXX {$1100.00}
Consumer complaint received 2022-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

On XX/XX/2022, The Law offices of Mitchell D. Bluhm & Associates , LLC XXXX XXXX XXXX XXXX mailed a debt collection notice, acting on behalf of a debt collector/ attorney, to my residence without my permission. Not only did they mail a debt collection letter to my residence without MY permission, they also claim that I owe them a debt of XXXX. I have never done business with this company, nor was I, the consumer, aware of a 3rd party purchasing information in my name and not compensating me or providing me receipts of that transaction. I do not nor have I ever initiated any consumer credit transaction with this company to owe them a dime. I have no contract with the collector.
Consumer complaint received 2020-08-10
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: EQUIFAX, INC. (CA)

I have read that credit bureaus have 30 days to respond to a dispute. Well it has been nearly 2 months now, and I have received nothing from them. Not even an acknowledgement of my dispute, let alone an actual credit report. This is very frustrating as there is a simple mistake on my report I need corrected. I sent my letters out on XX/XX/XXXX, I will include them.
Consumer complaint received 2020-08-10
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. (CA)

I have read that credit bureaus have 30 days to respond to a dispute. Well it has been nearly 2 months now, and I have received nothing from them. Not even an acknowledgement of my dispute, let alone an actual credit report. This is very frustrating as there is a simple mistake on my report I need corrected. I sent my letters out on XX/XX/XXXX, I will include them.
Consumer complaint received 2020-06-17
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. (GA)

MY INFORMATION WAS USE TO APPLY FOR CREDIT CARDS AND AUTO LOANS AND SEVERAL FRAUDULENT ACCOUNTS MY SOCIAL AND PHOTO ID I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020 mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-06-25
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. ()

In accordance with the Fair Credit Reporting Act XXXX  Account Number # 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 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (NY)

was naver late i hade no balance when i returend my car, theycame up after returning the car that i need to pay additional {$2800.00}, it was paid on XXXX out of my account, i gave in this comlaint already and thay took it off, and now they report it again on my credit,
Consumer complaint received 2020-08-10
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. (TX)

transUnion needs to remove this inquiry off my credit profile .... 



XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MD)

I checked my credit report this morning and to my surprise i dropped 19 points because this company added a collection account to my report. Firstly, I know nothing about this account, I have never had a contract with this company. I was the victim of identity theft I've had to file police reports and even had fraud alert added to my credit reports. I am very upset about this because I am in the middle of buying a home and this has completely set me back due to false claims and no proof sent to me regarding the contract I signed with this company.
Consumer complaint received 2020-08-11
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: PRESTIGE FINANCIAL SERVICES INC (CO)

I paid off my home loan lived at XXXX XXXX XXXX XXXX Colorado XXXX not showing on my credit report. Mortgage was through Colorado XXXX XXXX XXXX had a down payment assistance loan as well paid in full for both. XXXX plus the XXXX in down payment assistance. Address is not showing paid off in XXXX was not included in bankruptcy was paid in full. Paid off in full have the documents. Also had a XXXX XXXX XXXX  paid off in full from Prestige Financial paid in full not showing on credit report.
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

On XX/XX/XXXX, I first communicated with my Lender that I wanted to remove my PMI. I followed all of the instructions provided on the Lender 's website and sent the request in writing. I received several automatic generated messages via email that same day acknowledging receipt of my communication. On XX/XX/XXXX, I received another auto-generated email, but this message contained significantly more detail in general about the PMI removal process, including information about meeting my investor 's guidelines if I was not eligible for a XXXX removal and specifically noting, " The appraisal will cost at least {$400.00} and will be ordered at your expense. '' Upon receipt of that information, there were several telephone conversations with the Lender 's customer service department, more letters from me, some communications from the Lender, including three ( 3  ) different, but essentially the same, denial letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have attached each of the above referenced denial letters to this complaint. Please note, the XX/XX/XXXX letter also includes the document " XXXX XXXX Borrower-Initiated MI Termination Valuation Results ''. It is also important to note that earlier in the month of XX/XX/XXXX, I paid {$150.00} for a Broker Price Opinion via check made payable to the Lender. The check was cashed and the Broker scheduled a visit to my home on XX/XX/XXXX. The XX/XX/XXXX letter includes the BPO. 

One reason I maintain that the Lender does not have proper protocols in place to ensure compliance with XXXX is the fact that each of the denial letters fail to acknowledge the basic information that I would mention in my correspondence to the Lender. Chiefly, beginning with my original letter of XX/XX/XXXX which noted the value of my home had appreciated due to a major bathroom renovation project. This was verified in the BPO and listed under a section entitled " Itemized Updates ''. I repeated that information in my XX/XX/XXXX letter, but it was completely ignored in the Lender 's response of XX/XX/XXXX. This is clear because despite my very implicit statement that " substantial improvements '' were made to the property, I was informed that my " additional correspondence did not provide any new or additional information for us to form the basis for a new investigation ''. 

I maintain that I was always qualified for removal of the PMI at least as early as XX/XX/XXXX, but I was always given the " runaround '' by the Lender 's system that was intentionally designed to cause borrowers to continue to pay for PMI beyond the actual legal date it could rightfully be removed. This last statement is not mere conjecture since the Lender as recently as last year XXXX XXXX XXXX agreed to settle a class action lawsuit for questionable practices involving lender-placed insurance. 

Due to the size limit on the files I could upload, all correspondence is not included, but can be provided upon request. Thank you for your consideration. XXXX XXXX
Consumer complaint received 2020-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (TX)

Company Navy Federal Credit Union I closed my account with XXXX XX/XX/XXXX and received two cashier checks one from checking and savings checking cashier check I cashed inside of Navy Federal Credit Union in the Amount of XXXX on XX/XX/XXXX with I placed the funds in my account after check cleared my saving balance of XXXX I cashed three the ATM on Sunday XX/XX/XXXX Navy federal made XXXX available and the at XXXX XX/XX/XXXX the remaining XXXX cleared and place in my account for use the At XXXXXX/XX/XXXX on XX/XX/XXXX I tried to make a gas purchase it came back as declined I then contacted the bank Navy federal stated that the check was put back on hold for funds not being available from XXXX so give it another 24 to 48 hours Then on Wednesday XX/XX/XXXX I went to XXXX after being told from Navy Federal The Check was Flag for fraud and that It was a bogus Check Per XXXX XXXX teller I received information the the check cleared there account on the XXXX of XXXX and was paid and received confirmation of that and with a teller stamp went to take the information to Navy Federal In XXXX XXXX  Here in XXXX Texas and the teller I spoke with stated that she had never saw a teller stamp before and didnt understand or no what XXXX was submitting to them and declined to take of the hold for funds per the bank a bank stamp should be recognized I confused The Navy Federal Stated that the federal reserve hadnt sent information needed to release my funds and then stated the FDIC hasnt sent over information that the check should be cleared so Im confused call all those companies each company stated they dont send information to Navy federal to clear checks in there system I need help with this situation I feel like Im being accused of fraud and I havent committed fraud and during covic-19 its hard to make ends meet I need that bill money at this time
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Kohls is reporting my account as charged off, but they still report a balance. Calls to them to correct it are ineffective. 

Additionally, I offered to settle the account and they refuse to negotiate a partial settlement. They also told me that if I settled for the full amount, they would not change what they are reporting and there is no reason to settle with them since my date of last payment was XXXX of 2016. 

They do not report the correct date of last payment which is also a problem.
Consumer complaint received 2020-08-10
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. (CA)

I am a victim of identity theft, applications were submitted in my name and my identity have been used without my consent to fraudulently obtain goods and services. 
I have three fraudulent accounts on my credit and i did submit a ftc report to them and they blocked the fraudulent accounts, but after a month the collection companies and one of the banks unblocked the accounts with false information submitted to the three major credit bureaus, please direct all three major credit bureaus to block and delete all three fraudulent accounts listed below. 
1. XXXX XXXX, account number XXXX, account was opened fraudulently on XXXX, total amount of fraudulent balance is {$5400.00}. 
2. XXXX XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$5900.00}. 
3. XXXX  XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$36000.00}.
Consumer complaint received 2020-08-10
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. (CA)

I am a victim of identity theft, applications were submitted in my name and my identity have been used without my consent to fraudulently obtain goods and services. 
I have three fraudulent accounts on my credit and i did submit a ftc report to them and they blocked the fraudulent accounts, but after a month the collection companies and one of the banks unblocked the accounts with false information submitted to the three major credit bureaus, please direct all three major credit bureaus to block and delete all three fraudulent accounts listed below. 
1. XXXX XXXX, account number XXXX, account was opened fraudulently on XXXX, total amount of fraudulent balance is {$5400.00}. 
2. XXXX  XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$5900.00}. 
3. XXXX  XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$36000.00}.
Consumer complaint received 2020-06-11
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. (WA)

On XX/XX/XXXX2020 I was notified that a fraudulent unemployment claim was filed in my name. I went through all of the dispute and protective steps to file a claim with all of the involved agencies. I also wanted to put a freeze on my credit with all three credit reporting agencies : XXXX, XXXX and TransUnion. I was successful on XX/XX/XXXX with both XXXX and XXXX but was locked out of TransUnion after not being able to answer their " out of wallet '' questions. I was unable to call them due to the time difference - I'm on the West coast. When I attempted to unlock my blocked account, the experience was extremely difficult and hard to find on their website. It is my experience that TransUnion is not client-friendly nor is their website easily navigable. They seem more interested in selling a monitoring product for {$24.00} vs. making it easy to clearly see a spot to freeze one 's credit. The difference in consumer experience between the other agencies and TransUnion is noticeable - enough that I would like to file this complaint against them formally.
Consumer complaint received 2023-09-24
Product: Credit 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: AMERICAN EXPRESS COMPANY (PA)

My account was hacked and hackers made a transfer of {$500.00}. I learned about this issue within 30 minutes. I immediately called American Express to inform about fraudulent charges. American express representative helped me create a new login/password. They also mailed me a new American express credit card. American express representative also created a fraud case ( XXXX ) and informed me that I will receive temporary credit. This fraud case has been open for 5 months. I called American express multiple times to check on status, however I was told that the fraud department has not even started to process my case. I am still getting charged for that fraudulent transaction.