davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

i saw that XXXX XXXX XXXX and first premier bank both had put hard inquiries on my credit report to all XXXX major credit reporting agencys and i contacted both XXXX XXXX and XXXX XXXX  and asked why they had put hard inquirys on my credit report when i never used them and was not a customer and was told i applied for a credit card. a XXXX XXXX address and a fake phone number and fake social ssn number was added to my credit report which i told them was not done by me, i was able to prove that i was XXXX XXXX XXXX and had a valid id and correct ssn and valid adress and valid phone number and it was a a fraud and told them both to cancel the credit card because i did not request the cards and did not want a card with them as i didnt rrust them as they had let someone with false imformation try to get a credit catrd in my name and would not remove the hard inquary from my credit report .this was done on XX/XX/XXXX through XXXX of XXXX XXXX called each of XXXX credit agencys XXXX XXXX and traansunion and told them about credit XXXX and XXXX XXXX XXXX doing hard inquiry on my credit report using fradulent data to give a credit card to a unknown person in my name and now i am trying to get this hard inquiry removed from my credit report and have somethingh done to XXXX XXXX XXXX and XXXX XXXX XXXX and transunion XXXX XXXX for allowing this fradulent data to be added to my account with no valid proof or valid id used or valid address or valid phone number or valid social ssn given to prove it was actually me before adding this data to my credit report and causing me to lose points on my credit report and refusing to remove the false data after verifing it was not me who added the false data .transunion does this to hurt XXXX people credit they require i send them my valid id to remove fradulent data but didnt require the person who added the fradulent data to show a valid id or XXXXvalid ssn or valid address which proves they crooks and out to cause XXXX and harm to people credit as they add fradulent data too ddam easily with no verification at all
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: eToro USA LLC (TX)

ETORO, liquidated by crypto positions and closed my accounts. I can no longer access my accounts. They closed stating that I did not provide sufficient information. I had uploaded Passport, Drivers license and voice recording. These were asked months after I was using their platform. They were not asked at registration. I did provide them. 

My Loss : {$3000.00}
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I filed a dispute multiple times with Experian. I first tried to file dispute on-line but received an error message when unloading supporting documents so I had to mail them in. 
Their reply to the dispute has no naritive on what they based there decision on. It doesn't show they read notes or supporting documents. They only show information from the credit card company. I have asked to speak to a supervisor and non is ever available. I'm promised one will call back but they bever do. There dispute process is frustrating and broken. The only thing representatives can do is file another dispute which produces the same results. 
I am disputing the monthly payments on my credit card account and the dispute process never seems to address my issues.
Consumer complaint received 2022-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (IL)

Southwest recovery services contacted my about a credit card swiper that was not returned. They could not provide proof of a contract, a signature, nor proof that a credit card was ever swiped by us on any kind of credit card machine. We do not use them as we are a wholesaler. Customers do not come into our factory. We don't have a public face and have no use for a credit card swiper. I repeatedly told them that the debt was not mine. Some how they got my personal info and put a derogatory remark on my personal account. We are shopping a mortgage and they tanked our credit. I feel like this is extortion. They want me to pay them to go away. They are scammers and need to be taken off the market place. Please help us, they should not be allowed to get away with this.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  XXXX 15 U.S. Code 1666B - Correction of billing errors For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-03-18
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. (PA)

I recently went to check my consumer report on XX/XX/2022 and I noticed some new accounts on my consumer report. The account that I am talking about is the XXXX XXXX  account XXXX Before I proceed, I would like to make it clear to your company, and those in position of authority at your company that congress makes it clear that the banking system is dependent upon consumer reports being fair, and accurate to me pursuant 15 USC 1681 ( a ) ( 1 ).

Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role and because your assumptions you have negatively affected my life, and those around me causing me severe hardships, mental anguish, and XXXX. I have been unable to provide for myself and my family because of you assuming this role. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) You are unfair in reporting this information without first consulting with me the consumer, you have no proof that this transaction even took place. You were also impartial because you allowed information to be reported while only hearing one side of the story. You also infringed upon my right to privacy by having a conversation about me with a third party and reporting this information because of that third party. I am demanding that this information be removed immediately.

Pursuant to 15 USC 1681 ( a ) ( b ) You did not meet the needs of commerce because this was not fair and equitable to me. This information is not accurate nor is it relevant to me, nor was this false information properly utilized in a manner that is or was equitable to me. This transaction if it even took place shouldve been confidential so you in fact betrayed my confidence.

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( I ) If this was a factual transaction ( Which you would not know because you were not there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report.

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( iii ) I the consumer was not given a chance to direct the information whether I want information about this transaction to be reported or not. This is referenced in the Gramm Leach Bliley Act.

Pursuant to 15 USC 1681a ( 2 ) ( B ) I the consumer is aware that transactions authorized by my credit card, and credit card is defined in both FCRA and has the same definition in TILA as any card, plate, coupon book or other credit devices existing for the purpose of obtaining money, property, labor, or services on credit. Thus, making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report.

Pursuant to 15 USC 1681b ( 2 ) I the consumer never gave written permission for this consumer credit transaction to be report on my consumer report
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

I deposited a check 7 days ago waited the 7 days for it to clear, once it did I used some of my money to pay bills and debt but card was flagged for fraud they sent a text message asking if it was me I replied yes then they called me and asked me if I made the charges I said yes, she said ok everything 's good but they proceeded to flag my account as fraudulent and froze my account so I called talked to a rep and we went over every charge and I verified them and he said my account is good I can use my card so I tried and it didn't work so I called again and they proceeded to tell me that my account is frozen and while they investigate even tho I told them multiple times I made those charges and told me that I can't use my money and there's nothing o can do so I asked why they said they don't have that information so I said can u tell me the actual charge considered fraudulent they told me no they can't I asked for there name they would only give me a first name and would not provide a employee id then hung up on me so I called numerous times asked for the same information, everytime was meet with the same answer
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA (NY)

Fraud was detected on my card on XX/XX/XXXX, unfortunately that was the same day that XXXX took over being the processor from XXXX XXXX. After waiting on hold for over two hours they ordered me a card, the card never came so they ordered another, that never came ... Bottom line is as of XX/XX/XXXX I still do not have a card. History shows card ending in XXXX on XXXX, card ending in XXXX on XXXX, card ending in XXXX on XX/XX/XXXX, which I am still waiting on. Trying to reach customer is an hour wait each time. I been hung on by CS reps, I ask to speak to a manager and they decline, say they will call you if they need anything. In addition the GM rewards associated with the account are all wrong on the statements. They also reduced my cash advanced limit from XXXX to XXXX, keep in mind my credit score is XXXX so why? I also have an issue with not being able to move around the website, even after logged in, without having to be sent an Authorization Code to view my account. This bank is not ready to be a processor of credit cards nor are the CS reps trained properly
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (SC)

Contracted with Lennar Builders and Lennar Mortgage XX/XX/XXXX. Closing date pushed back several times with little to no communication. 

XX/XX/XXXX I reached out to LO at Lennar Mortgage to lock rate, she recommended I continue to wait for closing confirmation. 

XX/XX/XXXX received an email notifying me a lawsuit is pending on the new development for mold/mildew. Lawsuit states some units uninhabitable. Received a contact for questions in that email, reached out to that contact and sellers agent multiple times via phone and email, no response. 

XX/XX/XXXX sent LO email I would like to lock rate. LO did not respond for days and then relayed that the condo may be unwarrantable. Asked about financing options, LO could not assist. Asked on phone and email to speak with a manager. No communication. 

XX/XX/XXXX Contacted by closing attorney that I have to choose another closing attorney because of conflict of interest due to litigation. Called recommended closing attorney I work with and they said that they had a closing date of XX/XX/XXXX. 

I still have not received formal communication about the closing date. I cant make necessary arrangements for moving. This creates an issue for me to stay housed during the unknown delays. 

I dont know what my financing is going to be, no one will speak with me. I dont understand what my rate could be, if I can still get financing. 

Called the attorney that file the lawsuit, he said there are two lawsuits, another for brick brought by the HOA. I did not receive a copy. I emailed the Lennar contacts I was given asking for a call and copy of lawsuit, but received no response. 

I am confused, I dont know if I have a home to live in within the next 60 days, if I have enough money to put down, and if my unit has any mold or bad building materials.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-03-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MI)

On XX/XX/2022 I got a report on my credit that Credit Collection Services is still trying to collect an amount that I disputed. They never mailed or sent me confirmation of my dispute before reporting this on my credit report. 

I called on XX/XX/2022 I called at XXXX and was so frustrated this was on my report. I offered to pay it if they would just remove it. 
The company told me they can not remove it under FRCA rules which is not true so I was lied too. 
I explained the amount is wrong and I sent the original collector ( XXXX ) my declaration. I was told they never got it. 
Fact is the amount is wrong and I just want this removed from my report and fixed. I am attaching the declaration with this complaint showing the date. I can not have 2 insurances under MI state law.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I contacted Chase and applied for a mortgage refinance with Chase. I provided all information about my situation up front. I was told that I qualified for the refinance, and I needed to make a {$500.00} deposit on the transaction, which I paid. They used the information that I provided before I made the deposit to reject my refinance application. I was told I would receive a refund for the {$500.00} deposit since the information used to deny me was all given before I made the deposit. I have not received the refund, and they will not return my phone calls or emails for a status update on the refund.
Consumer complaint received 2022-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (FL)

On or about XX/XX/XXXX, a new derogatory mark showed up on my credit report across all major credit bureaus. A company named Credit Portfolio Control , Inc. claimed that I owed them {$920.00}. I attempted to telephone the company multiple times and sent them two letters via USPS. There was no response. I had no idea what this debt was. 

On XX/XX/XXXX, I filed a complaint with the XXXX XXXX XXXX Credit Portfolio Control did finally respond, claiming that they were representing a collection client, and that this was a credit card debt from XXXX. However, the statement that Credit Portfolio Control provided showed a balance that was about HALF the value of what was filed with the credit reporting agencies. ( They claim that the difference is in interest, fees, etc., but not credit card charges ) I had my identity stolen in XXXX, and filed reports to that effect with the FTC in XXXX and XXXX. 

This credit card is simply not mine. 

Also, Credit Portfolio Control can not legally collect on this debt in the State of Florida. The last statement from the credit card company was from XX/XX/XXXX. I reside in Florida. So the statute of limitations to collect on this debt ( if even valid ) lapsed over 1 year ago. They have had since XXXX. It is now XXXX. 

Additionally, according to my credit report Credit Portfolio Control acquired this debt in XXXX of XXXX. At no time did this company attempt to contact me through any method. They waited to file this with the credit bureaus for seven months, filing to my reports in XX/XX/XXXX. Why file with the bureaus at all if they can not legally collect on this debt? 

But, as the debt is not mine ( stolen identity ), and has aged passed all statute of limitations limits in Florida for collections regardless, I believe that Credit Portfolio Control is in violation of BOTH the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. 

The XXXX  was unable to resolve this issue, and specifically recommended that I contact you. A full transcript of the Complaint with the XXXX  is available, along with the supporting documentation. I also have spoken with the FTC ( as indicated in the documentation ), and they recommended that I contact the CFPB as well.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc. (MI)

This complaint to ADVANTAGE CREDIT INC was the result of their non-compliance to my request to remove their unauthorized furnishing of an inquiry on my account. I never reached out nor authorized them to pull my credit report.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: National Credit Adjusters, LLC (TX)

I sent a letter via certified mail delivered on XX/XX/21 to NCA regarding a collection being reported on my credit report asking for validation of purported debt, to include pertinent information that is required to be furnished by law : Copy of original contract Name and address of original creditor Name and address of alleged debtor Amount owed Full account number Date account opened Date of last payment Date of first delinquency Complete account activity Proof that this debt was assigned or sold to the company, and that they have the legal authority to collect the debt I did not receive a response. 

It has now been well over 150 days since I initiated contact with NCA, and they have still not responded to my validation letter. I have the certified mail receipt to prove that it was received. 

This company is refusing or neglecting to address my inquiries in a timely matter as required by law. 

Acct starting with XXXX I know that this account can not possibly be verified as belonging to me if an actual investigation in to my inquiry is done. I kindly ask that this account be deleted from my credit report at all credit reporting bureaus, and all contact and collection attempts cease. 

Upon a response to this complaint, if this is not resolved as per the law requirements, my next contact will be the FTC, the attorney general, social media, and the media.
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I have applied for a loan modification. The servicer is stating there are no retention options available. I have been trying to do a loan modification and a short sale for the last 3 years and the bank is not offering me any options at this time. I spoke to the investor who stated that they do allow modifications and short sales and that SPS is the one who is making this decision although they allow both options. SPS states the investor doesn't allow the options, which the investor has stated isn't correct.
Consumer complaint received 2022-05-06
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: CMG MORTGAGE, INC (NV)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late fr purpose.