davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
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)

Greetings, I have initiated a multiple disputes with Experian over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initated. It has been well over the 30 days given for Experian to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Experian including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized inquries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Experian credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX   Date Filed : XX/XX/XXXX3 ) XXXX   XXXX XXXX - Date Filed : XX/XX/XXXX 4 )  XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX  XXXX XXXX - Date Filed : XX/XX/XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2017-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XXXX of XXXX, I received a call from a collection agency about an unpaid account with XXXX XXXX that was set up with my social security number. XXXX determined it was a case of fraud. I was advised to file a police report ( see attachment ). On XXXX XXXX, XXXX I received an e-mail from XXXX stating that they notified XXXX, XXXX, and TransUnion. It stated that it would take 30 -90 days for the fraudulent account to be removed from my credit report. In XXXX of XXXX, I was completing a yearly free credit check and noticed that the unpaid account is still showing up on all three credit reporting agencies. I called XXXX and a similar email was sent on XXXX XXXX, XXXX. Both emails are attached.
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MA)

I have written a letter stating that my company was a XXXX XXXX victim and $ XXXX worth of inventory was damahed on XXXX/XXXX/XXXX. I did not receive a letter or call back from XXXX. 

So on XXXX/XXXX/XXXX I got my claim check for the damaged inventory from the natural disaster and so I called in XXXX about the following 3 interest rates : XXXX XXXX XXXX {$560.00} {$560.00} {$110.00} and stated my situation. She proceeded to tell me once I pay off my balance in full which I did, she will waive all those interest charges. 

So today I called in seeing that none of it was reimbursed and the customer service rep stated he will refund {$110.00} then this supervisor stated that it is n't going to happen. 

At the end of the day this is outrageous that XXXX is not taking responsibility for helping out XXXX victims. No communication or anything. 

I have always paid my balances on time.
Consumer complaint received 2017-11-13
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. (NC)

I have contacted the Credit Reporting Agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX about the hard inquiries on my credit report and have been told to contact the companies who requested the report and to have them deleted. I called XXXX and have been told they do not delete hard inquiries even though I did not authorize the inquiry. I called back to Equifax to advise them of the statement from XXXX. I have disputed the inquiry via telephone calls and via the internet and I have been continuously told by Equifax the hard inquiry will not be deleted even though I did not authorize anyone to check my credit file. I am asking for your help because I am given the same answer which is not fair to me as the credit when I did not not ask for the hard inquiry with XXXX. I have continued to request a deletion to no avail. Please advise if you can assist me with this.
Consumer complaint received 2017-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am a victim of identity theft and has XXXX accounts and XXXX hard inquiry thats not mine. The following accounts are fraudulent, unauthorized, stolen and lost : XXXX  XXXX/XXXX/XXXX, {$3.00}, XXXX XXXX DC, XXXX/XXXX/XXXX, {$380.00}, the following hard inquiry is not mine : XXXX XXXX XXXX, XXXX/XXXX/XXXX.
Consumer complaint received 2021-02-06
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. (OR)

Experian shows a late payment to XXXX ( XXXX ) in XXXX and XX/XX/XXXX. I have a LETTER from the XXXX company themselves saying 1 ) there were no late payments AND 2 ) they have reported it correctly to Experian showing no late payments. I submitted the correction WITH THE LETTER uploaded to Experian twice, most recently XX/XX/XXXX, and they are refusing to fix it, leaving the ding on my otherwise excellent credit. This is unacceptable. Please inform Experian they MUST fix it. It is not their right to report whatever they want and have that affect rates I am given for my home mortgage etc! Especially after I've done my due diligence twice to write the companies, provide PROOF, and uphold my part of transactions.
Consumer complaint received 2017-11-13
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX. I called Bank of America to transfer money from my saving account to my mortgage. I was given a confirmation number afterwards, I had enough money in my saving account to make my mortgage payment. I was told by several Bank of America Supervisors that I had taken the proper steps, my payment was intentionally posted on XX/XX/XXXX, which they intentionally tried to make late on my mortgage for XX/XX/XXXX and XXXX XXXX, I had never been late or missed a payment. I had requested for it to be paid on XX/XX/XXXX. My mortgage payment was reverse to Bank of America bank account. Please refund {$770.00} towards my XX/XX/XXXX mortgage payment so that it can be paid in full. My instructions were n't followed as a valuable customer. I am requesting that you investigate my mortgage payment to see where it went and pay for my arbitration. I no longer want to be a customer of Bank of America. They are horrible. From a scale to 1-10. I give them a zero. Their customer service is extremely horrible. Bank of America had not attended to resolve any issues.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I contacted XXXX XXXX on XX/XX/XXXX in reference to two alleged late payments on XX/XX/XXXX ( 30 Days ) and XX/XX/XXXX ( 90 Days ). I reviewed the information that was provided to me by XXXX XXXX and I disagree with this information reporting via Transunion, XXXX, and XXXX. 

I never was late on these accounts.
Consumer complaint received 2017-11-13
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. (FL)

I have attempted multiple times within the past 4 months to correct multiple collection agencies reporting the same debt with Transunion and XXXX. I filed a dispute with both Transunion and XXXX to correct this problem and validate which collection agency is still actively collecting the debt. They have refused to remove the double reporting of the same debt, from the original creditor XXXX at XXXX XXXX, by multiple collection agencies. The two collection agencies reporting the same debt as active and open are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as $ {$11000.00} and also the following collection agency XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as {$8500.00}. The original creditor for this debt is XXXX at XXXX XXXX. This double reporting is a violation of FCRA and should be corrected by these credit reporting agencies as it is very adversely effecting my credit score.
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (VA)

I checked my credit score today and it went down due to a Collections request for an account that can't be mine. The Collections request was from " Credit Management LP '' on behalf of " XXXX XXXX XXXX '' for the amount of {$150.00}. I haven't had a XXXX account in over two years. Additionally I was able to log in to my old account and have a {$0.00} balance. Therefore, someone is using my personal information for an account and not paying their bill. I do not have any outstanding balances with XXXX. I can NOT get a real person on their customer service line to inquire about this because of their automation system.
Consumer complaint received 2017-11-13
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: BYL Collection Services (AZ)

BYL Sevices furnished derogatory information to XXXX XXXX and XXXX. BYL Services did so without notifying me 30 days prior to, or no later than 30 days after such furnishing. BYL Services violated a statue of the Fair Credit Reporting Act, section 623, subsection ( 7 ) ( A ).
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

This prepaid card receives my Pennsylvania unemployment benefits. On XX/XX/2020, I scheduled a transfer in the amount of {$170.00} from the card to my personal checking account at another institution. The card did not make the transfer and, instead, totally froze the account such that I have no access to any of my unemployment funds which are deposited with the card. On XX/XX/2020, I contacted the card 's customer service by telephone and inquired why the card had been frozen and was told that I needed to submit identification documents to the card. On XX/XX/2020, I uploaded photos of my drivers license and social security cards to the card 's website portal as was requested by the card 's customer service representatives. Nevertheless, my ability to withdraw any funds whatsoever from the cards remains restricted and I have no access to any funds from the card.
Consumer complaint received 2017-11-13
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I disputed a charge on my Bank of America ( " B of A '' ) Visa Card for an online purchase. Upon receipt of the product, it turned out to be a recurring billing scam by a merchant that had been repeatedly shut down through FTC enforcement action. I disputed the charge with B of A and initially was given a temporary credit. A month later, I received a letter in the mail dated several days earlier and giving me just a few days to respond or the charge was to be reversed and placed back on my credit card. 


I do not believe this is in line with the Fair Credit Billing Act ( " FCBA '' ) which permits reasonable time to resolve disputes. In particular, when a credit card issuer finds in favor of a merchant, at least ten days is required between the time an adverse decision is made and the consumer may respond further. Here, that was not afforded to me in violation of 15 U.S.C. 1666. This  is evidenced by the fact that the date on the letter itself is only seven days prior to a 'deadline ' to have responded. B of A shut down the investigation before I had time to respond to the merchant as set forth in the code. 


Next I tried to exercise my 'claims and defenses ' remedy and no one at B of A even knows what that is. Specifically I am deprived of my right under the Truth in Lending Act, Reg. Z, 12 C.F.R. 1026.12 Special credit card provisions, which permits me to withhold payment of unpaid amounts. Every one of the B of A representatives, as well as multiple supervisors, have no idea about this right and insist that I have exhausted all avenues to dispute this bill. I state to them I am not again exercising the 'billing error ' portion of my claim, but now a claim that this is an outright fraud which has been adequately demonstrated to B of A, and for which B of A is holder in due course of the alleged debt. The time frame is one year, not 60 or 90 days, depending on who one speaks with at B of A.
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OR)

On XX/XX/XXXX I received a collections notice for a service called XXXX XXXX which is a mobile phone service operated by XXXX. I have never been an XXXX XXXX customer but I have been a subscriber of other services. 

The debt collector is Credit Collection Services, XXXX XXXX XXXX, XXXX, MA, XXXX and can be reached at XXXX XXXX XXXX The debt is attributed to the address XXXX XXXX XXXX XXXX, XXXX, WA, XXXX. The XXXX  account number is XXXX and the debt collector ID number is XXXX I asked Credit Collection Services for a proof of debt and they sent me a phone bill that had an obviously incorrect phone number of XXXX. I brought this to their attention and they still refuse to discharge the debt. The debt is causing me harm since it is a negative mark on my credit score. I have also contacted XXXX about this matter and after a month they say it is still under investigation. They initially told me I would receive a response in 30 days but after that deadline past they told me it was 30 business days. 

I have never signed up for XXXX XXXXXXXX XXXX
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

Comenity - XXXX XXXX credit card does not have the option to set up reoccurring payments which is very inconvienent. You have to go online each month and setup the payment. Unfortunately I was dealing with an ailing family member and was preoccupied for months until they passed and forgot to set up my payments. I have gone online for several months even years and paid on time. This is the only creditor I have that does n't have an option for reoccurring and you ca n't set up the next one until after your payment is made. I received a phone message and was horrified that I forgot to set up that payment so I immediately setup a payment to make it current then I set up another one after that one got paid for the next due. Called the company the very next day was transfereed to customer relations and they told me to write a letter and fax it or mail it asking for forgiveness and if they can fix the late reporting to my credit report. I received a letter dated XXXX XXXX, 2017 stating they reviewed my file and ca n't make any adjustments to my credit reporting. Bottom line you should be able to set up any online account to have reoccurring payments so you do n't make the mistake of not setting it up every month. Even XXXX who has interest free promotions like XXXX XXXX allows you to set up reoccurring payments. It seems companies that wo n't want you to mess up so you end up paying all the interest ... which to me is very deceptive.
Consumer complaint received 2017-11-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (FL)

American Express Date open : XX/XX/XXXXAcct # XXXX**** Started the dispute process with XXXX on XX/XX/XXXX - than again on XX/XX/XXXX then again on XX/XX/XXXX - each time since then every few weeks I call for a follow up to American Express along with XXXX the account itself has no deletion date and its over now 10 years old acct open : XX/XX/XXXX account was apparently from what the rep in XXXX told me XX/XX/XXXX - charged off which means I went delinquent 6 months prior to that date because it takes 181 days to charge off an account than I was told by XXXX location in India that no really the account was charged off in XX/XX/XXXX of XX/XX/XXXX than I was told on another date that really the account was n't charged off but its still an open account that needs to be paid. this has been going on and on since XX/XX/XXXX of this year we are literally already in XX/XX/XXXXalmost at XXXX and have received no follow up and no clarification of what the time line is - the debt itself is past the statue of limitations and should be removed all together.
XXXX has had little to no help at all with this account for me in fact I have been bounced around like a potato
Consumer complaint received 2017-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

I can not get assistance from Caliber Home Loans to address my payment transactions. I have paid my mortgage payment every month. I do not pay monthly, I split my payment and send money orders in twice a month. I pay more than required.
I have asked Caliber in writing and over the phone on numerous occasions-Certified Return Receipt Mail to change my address to my correct mailing address which is my home-the property which I have a loan on.
They have refused to change my address. All of my mail goes to my mother 's address which is where I lived before I purchased my home.
No matter what, they refuse to change my mailing address and they return my payments to my mother 's home which I have no knowledge of until I go to my mother 's home and sift through the junk mail.
The only time I get any resolve is when I overnight letters and payments to the overnight address in XXXX. I wind up putting all the returned money orders and send them directly to the overnight address. But I work long hours and can not always get inside the post office to send a Return receipt overnight package. It 's easy for me to just drop it in the mailbox.
Caliber can see the actual dates of my money orders and the amounts. I have proof of every payment-I pull the money directly from my account on my payday.
My money orders are issued during the same month that the payment is due. I may not pay by the XXXX, but I pay before the month is out-splitting my payments.
I tried to set up my account for automatic deductions from my checking account but the system would n't allow me because it said my account was n't current.
I currently owe for the month of XX/XX/XXXX, but before I send my payment out, I would like help from someone at Caliber to go through my account and change my mailing address.
My taxes and insurance should be paid from my escrow account and my insurance agent just emailed me on XXXX XXXX, 2017 to tell me that my insurance policy was n't paid for by my mortgage company.
I need help. I am very very frustrated. I only owe for the month of XX/XX/XXXX.
Consumer complaint received 2024-02-07
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account 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 2020-04-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

First wrote and filed a dispute to LVNV FUNDING LLC dating back on or around XX/XX/XXXX ; again on or around XX/XX/XXXX ; and recently on or around XX/XX/XXXX via USPS certified mail ( see attachment ) in regards to incorrect items in my credit report. Its not only been over 30 days but over 120 days and I havent received any investigation results.
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The credit card company, Bank of America, received a payment for the balance and this account and then we requested the account be closed. Bank of America received a second payment in the amount of {$2400.00} from XXXX XXXX in error. The account is currently reflecting a credit balance and Bank of America is stalling and screwing around, taking their time getting this money back to me. They have now had a credit on a closed account since XXXX/XXXX/17 and the funds still have not been returned to me. They have told me it could take up to 60 days which is unacceptable as they are making interest on money not due them!!!!
Consumer complaint received 2017-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (PA)

On XXXX XXXX, " XXXX XXXX '' called my wife 's phone from a disguised number which later would n't work when I attempted to call back to verify my complaint was being handled at that company which I believe is against the law to spoof numbers ( XXXX ) at XXXX and started to try to collect a debt for an XXXX bill I 've disputed several times as identity theft and never told me my mini miranda rights until several minutes into the call. After I advised him this was under dispute for identity theft he still tried to collect the debt by insisting on giving me the alleged balance due. I was n't disputing the balance, but rather the debt itself. I then asked for a manager and got " XXXX XXXX ''. He refused to acknowledge the bad training and the illegal contact and was determined to justify his rep trying to collect the debt after being told of the dispute. I asked several times for his manager ( 5 times ) before he placed me on a long hold for his manager " XXXX XXXX ''. XXXX XXXX did n't mini miranda me, but his manager XXXX XXXX did. This company made this experience very frustrating and extended as the call took dozens of minutes, disrupting my whole night with my family. XXXX XXXX XXXX was aware of my identity theft claim, but rather than work with me, they keep working to have new agencies collect this fraudulent debt.