davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CA)

I opened up a bank account on or about XX/XX/XXXX of XXXX shortly after i deposited 2 employment check one in the amount of {$3000.00} and my bf current employment check in the amount of {$490.00}, i had a usps  money order i had purched so i also deposited that in the amount of {$990.00}. i with drew only {$100.00}, and within a day or so i went to the store and my bank card didnt work, so i called down to the bank since the customer service would not speak with me reguarding my own account. I took off work and went into the parlier ca # XXXX office to speak with the mamnager, he told me all my fund were no good and they were bad, i told him impossible because my bf emoyler i just got off the phone, and they are good plus my money order i purchese from the post office myself. He refuse to give me any print out or even the copy of the checks. later on that day i imeditaly started recieving notifacation that my acciunt was fundswere getting withdrew, i tried calling but customer service wouldnt talk to me about my account, yet i keep getting a statement showing funds being removed. how is that if my accountwas locked.. and if my checks were bad then why dont i owe the whole ammont but just {$1200.00}? I know this bank is doing something fraudly and took my hard earned money please help.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC (VA)

Id like to open a complaint on Genesis FS Card Services , Inc . 
It appears they Im not the only client having ongoing troubles with this credit card company. There are multiple open complaints on them through XXXX XXXX XXXX I paid {$120.00} in XXXX to make my account current they promised a new card. XX/XX/XXXX they advised I was current but said they they received a request for an address change which I had not made. XX/XX/XXXX they reported a second fraudulent account then closed it but then opened it added remarks and closed it with remarks that Im not privy to which tanked my scores. Now I cant reach customer service and still cant dont have a card and cant access online services. And theyre now requesting {$80.00} to bring my account current. This seems very fraudulent and rather illegal
Consumer complaint received 2019-04-30
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: EQUIFAX, INC. (NC)

My credit report is showing information that does not belong to me. I already filed a complaint to the creditors, law enforcement, ftc complaint # XXXX The following accounts need to be deleted immediately -XXXX Outcomes {$500.00} Opened XX/XX/2018 XXXX {$2900.00} XX/XX/2018 -XXXX ( Any and all XXXX Accounts )
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 negative account 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

I have filed an IDTR report and told the bureaus of credit reporting to take down my loan with XXXX. They have not done so and now I have lost {$2000.00} in tradeline credit. XXXX XXXX  called me stating that an account is in delinquency status, so they dropped my tradeline amount. This is the fault of the CRAs because they did not remove the accounts I asked them to remove. THESE ARE NOT MY ACCOUNTS. I am going to sue if the account is not taken off my credit report.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (FL)

I have attempted to reach out Shellpoint regarding the final payoff again on XXXX XXXX, 2022, I have received the responses on XXXX XXXX through their email notification. This is the first time I have received the Shellpont 's response. 

I have followed on XX/XX/XXXX to XXXX, however no XXXX response my calls. 

Based on their letter on XXXX XXXX, XXXX, they claimed that they sent me the final payoff on XX/XX/XXXX, XXXX XXXX and XXXX XXXX. However, based on the letters ( XX/XX/XXXX, XXXX & XXXX XXXX ), they were addressed to the prior owner 's mailing address, and my email address was incorrect XXXX. My email should be XXXX ( which they sent me the correct email on XXXX XXXX, XXXX  ). 

According to their response letters, Here are their response letter details : XX/XX/2022 Payoff total {$120000.00} XXXX XXXX, XXXX  Payoff total {$120000.00} XXXX XXXX, XXXX  Payoff total {$120000.00} I would request Shellpoint to explain why the payoff is the difference between a few days of time, and I request and appeal the items of unreasonable fee 1 ) Fee {$2700.00} and 2 ) Funds owned by the borrower {$3200.00} immediately.
Consumer complaint received 2019-07-02
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. (TX)

Experian is not resolving the fraudulent account that is listed on my Experian Credit report. This account is fraudulent, It was opened by a thief and was not authorized opened in XX/XX/2015. Instead of blocking the fraudulent account, after Experian was notified they are refusing to block the Fraudulent account even though they have been provided documentation proof that I am a victim of identity theft and that I did not authorize this account. They unblocked this stating a Material Misrepresenation, Yet the Company that provided them documents provided a Driver License with an address of XXXX XXXX XXXX Apt XXXX, XXXX TX, XXXX. Which was never my address, and Experian was notified that this address was fraudulent, I never applied for Membership at this credit union, Nor ever signed anything. I have Provided Experian with a FTC Affidavit Clearly stating the crime, I have provided Experian with a Utility Bill, I have provided Experian with my SS Card. All of which are proof and documentation that I did not authorize this account, they refuse to follow FCRA Law 603 ( B ) Even though they were notified I am a victim of a crime. They told me on the phone that their Agents unblocked the account because this company is one of their " Preferred Vendors '' And that when they have a relationship with a company they have to unblock an Item if the company requests them to do so. Which is against the law since the account is ACTUAL TRUE NAME FRAUD. Being a victim of identity theft you should not have to have your credit file damaged because a criminal decides to open an account. Especially since this account was opened in 2015 and never authorized. XXXX XXXX XXXX XXXX - Account # XXXX Opened XX/XX/2015. Not authorized. Balance was updated to show {$1800.00} which is not possible as I never made a payment to this account ever, because the credit union would not give me an account # would not let me pay this account, and would not give me details on this account that is fraudulent. Because again I did not open this account so there is no misrepresentation as they won't give me any information on this account and told me they sold it to XXXX XXXX XXXX whoever that is.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I have paid this account and it should be removed per their policy and what I was told in agreement to paying off the account. The account manager XXXX XXXX XXXX XXXX XXXX She stated that it was to be updated as agreed the account The website also states the new policy which is what the agreement was based on.
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (CA)

I receive Social Security/SSI benefits. In XXXX of XXXX, the SS Admin. notified me that a bank account at BBVA ( and also USA Bank ) was opened in my name, and someone deposited $ XXXXSocial Security considers this to be my money and it is not. I did not open this account and I had no access to it. The money was apparently withdrawn, but the account was left open. I immediately notified BBVA, the FTC, the IRS, and the local Sheriff Dept. I was told by BBVA customer representative that the account was successfully reported as fraud, and frozen. The rep told me I would receive some documents via email for me to submit to verify my identity. I never did receive anything from BBVA until XXXX, XXXX, ONE YEAR LATER. The email came randomly and I was not expecting it. It was one week after I left urgent emails to the person handling my account, and I specifically asked her to send whatever documents were needed to resolve this to my P.O. Box! So I did not look for this email because it was totally random. The Social Security Administration began sending me notifications that the {$5000.00} means they have " over paid '' me, and they will now deduct {$95.00} each month from my benefits. Finally I made a very aggressive effort to contact the person handling the account by contacting local bank branches and demanding that I make direct contact with the person handling my account. She called me while I was on the phone with BBVA asking to speak to a supervisor so I dropped the call and finally, more than one year later made direct contact with the person handling my account. She told me a new " investigation '' has to be opened. I have submitted all the necessary documentation needed to verify my identity and to verify that I have reported this matter to law enforcement. I submitted two FTC complaints, one for the BBVA account, and one affidavit to the IRS for identity theft. I also provided the case number for the identity theft report from the local Sheriff 's Office. I have spent hours and hours and hours on the phone trying to resolve this issue with customer service reps. Countless times I have been forwarded to voice mail. Although it appears that BBVA has the documentation they need to close this account, I need verification that I can provide to Social Security that this is not my account. Social Security will begin deducting {$95.00} per month effective XX/XX/XXXX as a result of the neglect of BBVA to handle this case. BBVA has completely neglected to resolve this within a timely manner and now they are saying they need to conduct a " new investigation. '' I need to provide verification to Social Security immediately! There is no more time to wait.
Consumer complaint received 2024-01-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NV)

I sent a letter for debt validation and to find out why a third party has hippa sensitive information without my knowledge or promition. They never responded only validated the debt with the credit companies no information was sent to me at all. It also has a XXXX month term I have no XXXX month term with this company and it doesn't show any past payments.
Consumer complaint received 2022-04-11
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. (DE)

In accordance with the Fair Credit Reporting act XXXX  XXXX 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 In accordance with the Fair Credit Reporting act U S DEPT OF EDXXXX 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 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 In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act US DEPT. OF EDUCATION/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 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (CA)

I have a mortgage with PNC bank and wanted to get a copy of the payoff statement, because I am refinancing. PNC will only provide it by mail ( takes about a week ) or by FAX. Even after verifying my identity over the phone and discussing many details of my mortgage, they would not even verbally tell me the content and amount of the payoff. Nobody has a fax machine. I went to the trouble of signing up for a web based fax service and provided my number - only to find out that there is a {$20.00} fee for getting the info by fax.

This is so wrong and there is no logic to it. If they don't trust me with the info over the phone, then why send it to a fax number that I provide? Seems clear it is to force their customers to pay {$20.00}. There is no reason I can imagine why this information can not be provided verbally or by some secure electronic method. It's my loan!!!!
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

victim on credit inquiry and negative information reported on credit report.. I called the credit companies filed complains with them not solved i have negative information on my credit report from XXXX that was reported a payment was sent then returned back into my account because the bank could not match info when i checked i found out later with out notice that payment was sent back. account is settled and paid for XXXX XXXX is still reported negative info on my credit file .. Inquiries on my credit report from XXXX XXXX recently they requested my file on XXXX XXXX XXXX which resulted in a hard inquiry and from XXXX inquiry when i called i found it was from an auto loan place on XXXX XXXX XXXX inquiry. XXXX XXXX which i never authorized a copy of my report which results in a the inquires and negative info report on all XXXX bureas and this is really hurting me.
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc (CA)

On XX/XX/2022, I contacted The Best Service Company regarding an account that appeared on my credit report with a balance of {$430.00} and I requested the name and address of the original creditor. I then followed up with The Best Service Company on XX/XX/2022 as I was still unclear about this item and I requested an itemized statement breaking down the balance they claimed I owe. 

In their response to me dated XX/XX/2022, they stated that based on their review, they decided that I owe this debt and that I have no valid reason not to pay it.I was provided the name of the original creditor, an account number, and The Best Service Company concluded that my dispute is not valid based on the information that had been provided. 

Upon reviewing the same documents that were supposedly used to verify this debt, how did The Best Service Company come to the conclusion that I owe {$610.00} when the ending balance on the documentation and the balance on my credit report show different amounts?
Consumer complaint received 2021-05-14
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. (GA)

I had 2 accounts with this company. I requested to have both accounts closed on XX/XX/2021, however, the company only closed one account while the other remained open. With the company sleeping one account opened, they incorrectly reported a 30-day delinquency on my report. I have called the company and was told that they would send an update to all 3 credit bureaus to update the account as closed and with no delinquencies. 

The company reported the accounts as closed, however, the delinquency remains on my report and this delinquency is preventing me from maintaining my home loan preapproval and I need it corrected IMMEDIATELY.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I had 2 accounts with this company. I requested to have both accounts closed on XX/XX/2021, however, the company only closed one account while the other remained open. With the company sleeping one account opened, they incorrectly reported a 30-day delinquency on my report. I have called the company and was told that they would send an update to all 3 credit bureaus to update the account as closed and with no delinquencies. 

The company reported the accounts as closed, however, the delinquency remains on my report and this delinquency is preventing me from maintaining my home loan preapproval and I need it corrected IMMEDIATELY.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for 7 months now. EQUIFAX has Failed to Remove and BLOCK the fraudulent information included in my identity theft report from my consumer report.
Consumer complaint received 2022-04-11
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. (NY)

XXXX XXXX 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