davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

The following addresses do not belong to me. When I disputed with the bureaus they would not remove from my profile stating they are attached to account on my report which they should n't be because I have never lived there as well as they are XXXX XXXX addresses XXXX XXXX XXXX XXXX WV  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX XXXX WV XXXX
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (GA)

We are refinancing this mortgage with another company simply because it has been untenable trying to deal with loan servicing company, BSI Financial. The new lender has made multiple request for a Verification of Loan letter from them and thus far they have refused. The new lender has stated we are all set and the only thing left is this letter which BSI Financial is refusing to fax to them. We asked that it be expedited as they have been asking for it for 30 days and BSI Financial won't give us an answer on when they'll send it. 
They first tried to stall by saying the person getting the new loan was in my spouses ' name. The name the new mortgage is in has no bearing on the old mortgage and is just a delay tactic for them to get one more mortgage payment out of us. 
I request they send the fax immediately. 

SECOND PROBLEM : Our insurance covers multiple properties under 1 policy. It took us a month for them to verify. Now we have discovered they paid the entire policy amount instead of the just the portion for this home. Of course, our escrow balance is way out of wack now. This needs to be corrected as well.
Consumer complaint received 2016-09-02
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: The Law Offices of Burr & Reid, LLP (NY)

Burr and Rheid have non stop harassed me with thratening letters without any real cause or even any amount owed and by whom which the debt is owed. Also when you try to contact them they eefuse to answer the phone.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (CA)

Per the bank 's own instructions, in order to close an account it must have a {$0.00} balance and no incoming transactions for 30 days. To facilitate this, I transferred my remaining balance to a different financial institution and used the available online banking tools to disable the debit card. The online banking site explicitly states " This card is blocked and no further transactions can be made. '' ~30 days later, two transactions are processed for the disabled card. Customer service informed me that because these were " previously authorized '' subscriptions, that disabling the card would not prevent the transactions. The whole POINT of disabling the card is to prevent ANY transaction from being approved - and indeed several other " recurring '' transactions were appropriately declined ( and the merchant then contacted me to update my payment information ). The bank refuses to rectify the situation and instead is blaming me - despite my availing myself of the provided tools to prevent exactly this kind of situation ( and the assurances those tools then provided that all transactions would be prevented after the card is disabled ).
Consumer complaint received 2020-06-22
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: U.S. BANCORP (TX)

I, XXXX XXXX XXXX, want to make the following statement under oath : My last name is 2 words, XXXX XXXX. 
Since late XXXX someone has been using my name to obtain credit while I was stationed with the United States XXXX in XXXX XXXX. 
I was deployed a total of 3 years and 4 months in XXXX and XXXX. These tours were back to back without a break in between. I was seriously injured and spent the better part of my remaining time of enlistment under medical care. During this time I did not actively monitor my credit reports. 
Due to an extended hospital care for combat injuries I have temporally misplaced these military police reports. In wartime the military does not keep records of police reports for easy retrieval thus the need to secure a current identity theft police. 
Every time I provide past police reports, affidavits and correspondences the bad accounts return to my credit reports after a few years under a different name/account number and I have to once again file the same disputes on my credit report. To date I have spent thousands of dollars in legal fees. 
Recently, in XXXX and XXXX there were 16 hard inquiries on my credit reports for a credit card with banks as well as for a fuel card. Twelve credit cards or accounts have been issued since XX/XX/XXXX. I have zero control over these inquires and credit accounts. 
I have flagged and froze credit granting from the three credit reporting agencies. Additionally, there is a fictitious power of attorney that is being actively used under my name as well as a California ID. The stolen identification problem continues to remain an ongoing issue for me. I have also filed a Identity theft report to the Federal Trade Commission. I have attached that report. It is report number XXXX. 
Today, I once again filed a police report with the XXXX Police Department in XXXX, Texas. That report, which I have included is report number XXXX. 
I have not authorized anyone to use my name or personal information to obtain money, credit, loans, goods or services or for any other purpose. Do not grant credit to anyone under any likeness of my name. 

I hereby declare that the above statement is true to the best of my knowledge and belief, and that I understand it is made for use as evidence in court and is subject to penalty for perjury.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

I was affected by the Equifax security breach according to their site equifaxsecurity2017.com ( as of XXXX XXXX 2017 ). They have mishandled my information and I would like to see the problem resolved.
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Creditors Service, llc (OR)

On XXXX/XXXX/XXXX, XXXX began reporting a debt that was already being reported by a collection agency - XXXX which showed an assigned date of XXXX/XXXX/XXXX. XXXX XXXX XXXX reaged this account and began double reporting the same account concurrently with XXXX. This debt did not belong to me, the original creditor applied charges to my former account instead of creating a new account for my ex-husband for the services received. I worked with XXXX and they have removed the account and returned the account to the original creditor. 

I have attempted twice to contact XXXX XXXX to verify/validate the debt/dispute with the information above. XXXX XXXX has failed to respond to my requests for validation.
Consumer complaint received 2021-02-01
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. (NC)

I recently pulled my credit Reports, And I discovered that XXXX XXXX XXXX # XXXX Account was still showing as delinquent for 30 days I would like to see about getting updated Account information Because I noticed that the account was reported 30 days late Although I was consistent with my account and it was a switch over With purchasing cars It should have never been on my report. 
Per section 609 ( a ) ( 1 ) Of the Fair Credit Reporting Act, you are required by federal law to verify and All accounts posted to my credit report, to report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with XXXX XXXX XXXX. This delinquent account record is inaccurate and I request that the following account be validated and properly removed And I requesting Updated information into 30 days. I have also supplied proof below in the documents I also have several telephone numbers An incorrect addresses listed on my account as well Which needs to be removed XXXX XXXX XXXX Multiple name spelling as well I am in the opt in system to give correct name and current address
Consumer complaint received 2020-05-28
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. (AL)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME ON MY CREDIT REPORT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT.
Consumer complaint received 2017-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (WA)

I have a home mortgage loan with PenFed Credit Union for my residence in Washington State. Upon signing for my loan, I choose to received my monthly statement/bill by US mail ( declining electronic only option ). Back in XXXX of this year, PenFed stopped sending me my monthly statement/bill. I initially noticed that I did not receive a statement and called PenFed in order to get the balance, inform I still want the monthly statement by US mail, and to pay by phone for that month ( XXXX ) since I did not receive the bill. I had given my bank account information for that payment, but it turns out they had a record of the call but lost the transaction. I received a notice later in XXXX that my account was past due. I called several times to identify and straighten out the problem. Eventually the payment issue was corrected but they indicated they now change $ XXXX from my savings going forward in order to continue to receive my monthly bill/statement by US mail. Given that I singed-up for the mortgage with paper option I do n't think they should be charging me a fee every month in order for me to receive my bill. Can your agency please help me work with PenFed to go back to sending me the monthly statement/bill by US mail without deducting $ XXXX fee?
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-04-21
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. (TN)

I called Experian to report that I had received a hard inquiry about an SBA loan on XX/XX/21, that I did not apply for. I had no knowledge about this inquiry. The inquiry made my credit drop down. I was told that the inquiry would be removed. I have worked hard to establish good credit. Will my credit score go back up?
Consumer complaint received 2017-04-07
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Apex Resolution Group LLC (GA)

The claimed debt is in my husbands name. They told me they can call any number that is " attached '' to a search they did on him. When I told them that his credit report shows nothing about an unpaid debt, they said that was because a group of atty 's bought it. I told her she was a scam and hung up. She called me right back, laughing and saying they would continue to call me and that because of my rudeness they would be immediately filing court papers. My husband has asked them numerous times for documentation on the supposed debt. He has a credit rating of almost XXXX.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (FL)

I used square for my XXXX XXXX XXXX XXXX XXXX XXXX for the last XXXX years. never had any issues with the transactions or payments from my friends, family and customers. 
On XX/XX/XXXX I called square to verified I can receive an international Credit card as payment, and they said yes. The Amount of our transactions vary from {$60.00} to $ XXXX On XX/XX/XXXX I received a Payment from a XXXX XXXXXXXX and his payment of {$10000.00} was approved after verification by his bank institution however, the amount didn't reflect in the square balance. I called square to verified if they received the payment and they assure me the payment was received. The square agents told me I shouldn't have any issues giving the items and services to the customer and that the total amount was going to be reflected the next day. 
All of this was recorded by them for customer service purposes. 
On XX/XX/XXXX, they request for documents to support the transaction and I sent them the only thing I had available at the time. As the customer has his bank institution in XXXX, he sent me all of his documents, bank statements, receipts from our previous transactions from our checking accounts. I also sent them his ID and everything necessary for verification purposes. On XX/XX/XXXX Square sent me an email saying they were suspending my square account, and they were going to hold the total balance of my square account for 90 days. 
without a reason, explanation, a contact number or email to reach out with questions. NOTHING. They Flat out STOLE!! {$10000.00} from me. On XX/XX/XXXX and XX/XX/XXXX, I sent extra documents and tried to talk to someone about the status of the account and nobody knew anything about my account.
Consumer complaint received 2024-04-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (DE)

I booked complimentary rooms at two hotels in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2024 - XX/XX/2024 ; however, you have to put a deposit down. I used my cash app card to put the room deposits down they both were {$200.00} a piece totaling {$400.00}. I checked out of the rooms on time, there was no issue with the hotels. The deposits are to be returned/refunded. Cash App will not refund them and it's been two weeks. They are stating that I have to wait 31 days for them to be refunded. That's a total of {$400.00} I have to wait to be refunded from two deposits each {$200.00}. Cash App is holding on to my money for no reason. I have spoken to both hotels and they have both canceled the deposits as they should have. Noone from Cash App is of any help to me and they close out their chat. I believe they are withholding the deposit personally because I keep contacting them. There should be no reason when a transaction is canceled that a person has to wait 31 days to see their money back. I would like my money back onto my cash app account immediately.
Consumer complaint received 2018-03-23
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: HUNTINGTON NATIONAL BANK, THE (TX)

I have contacted Huntington Bank SEVERAL times and was told by XXXX XXXX this fraudulent inquire would be removed. That was back in XX/XX/XXXX, it is now almost XX/XX/XXXX and they have yet to remove the inquire.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

XXXX XXXX XXXX XXXX is falsely reporting to credit reporting agencies regarding my account. Services were provided on X/XX/2016, account has been and is still being paid as agreed. 

XXXX XXXX - XXXX XXXX XXXX XXXX, # XXXX, XXXX, Ga XXXX XXXX Account # XXXX
Consumer complaint received 2017-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.A.Rogers, Inc. (MD)

I received correspondence from R A Rogers stating I owed a balance to them. I have sent a letter to XXXX XXXX XXXX XXXX a request for validation as well as a contract of a signed contract with them and they have not provided either. Then I was threatened by someone whom identified themselves as a lawyer of a lawsuit. I have not entered into any contractual obligation with them so how can they report a date opened, date closed, account number, date of status, as well as status.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Equifax had a data breach on XX/XX/XXXX, which contained my personal, sensitive data potentially including my social security number, bank accounts, credit cards, etc. However, Equifax did not announce the data breach until XX/XX/XXXX. 

After providing the necessary information in their website www.equifaxsecurity2017.com, it was confirmed that my data was impacted by the data breach.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX -  Account Number:XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX AV XXXX XXXX XXXX MO XXXX
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX has reported to the XXXX credit bureaus that I have an account in collection/charge off with a minimum monthly payment over {$28000.00}. I was a cosigner on a student loan for my now ex spouse who failed to pay as ordered by our divorce decree. I was not informed of the missed payments or consequences for the missed payments until XXXX XXXX sued for breach of contract. XXXX XXXX does not seem to want to work with me considering the circumstances and expects payment in full, with XXXX payment, over {$28000.00}.