davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-20
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. (MO)

n accordance with the Fair Credit Reporting act XXXX account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.
Consumer complaint received 2022-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I've had mortgage with Wells Fargo for many years. Pay every month about 7-10 days early. Between XX/XX/XXXX and XX/XX/XXXX I paid {$3000.00} every month. In XXXX i received a call from Wells Fargo that my monthly payment was incorrect. After long discussion I agreed to pay additional {$750.00} to bring account current and to pay $ XXXX henceforth. On XX/XX/XXXX i received a letter from XXXX that my mortgage is in default and recommending that i take steps immediately. After long discussion I finally discovered that in XX/XX/XXXX the bank got my payment as usual but because the amount was less than they wanted they had NOT Paid MY Mortgage.Instead they had applied the entire payment to principal. They never told me. They have been reporting me to credit agencies, they threaten to forclose, claiming that I failed to pay when in fact I have never missed a payment or even paid late. They did it to me and they did not even tell me. Why didn't they call me? They had two numbers on file, one of which has been out of service for 20 years. They never called to other one. I note that the young man I spoke to in XXXX was able to reach me by phone.Why not a letter? Why would they do this to me? The computer did it. Why cant they go back to fix it? It was too long ago. I must pay a 13th mortgage payment this year or else face foreclosure. They are cheating me. You would think you could trust a bank with your accounts but I realize now this is not true. I am XXXX years old. Maybe thats why the pursue this policy.
Consumer complaint received 2022-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I had a debt on my credit report from XXXX. After attempts to dispute it with them for many years, I gave up. XXXX then randomly sent me a 1099-C cancellation of debt - code G " Decision or policy to discontinue collection. Decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. '' They sent this 1099-C form to an old employers address. Thankfully my employer had my info to send it to me or else i would not have gotten it. XXXX also sent it 10 months after they had cancelled the debt ( and they sent it past the XX/XX/31 deadline ). With that said, experian is still showing it as a collections account on my credit report. I submitted a dispute and provided the documents showing the debt has been cancelled at the creditors request, and i also showed them that the debt is also 7 years old, so it should have been removed just on the statute of limitations alone. They came back with dispute results and said that " XXXX verified the information as accurate, so no changes were made ''. This legally is supposed to be removed from my credit report. Im not sure why they insist on keeping something on my credit report that not only has the documentation to prove its cancelled/discharged, but if XXXX is truly verifying this as an accurate debt, that means theyre actively going against the 1099-C " Cancellation of Debt '' IRS form they sent me , and i will have to let the IRS know that I have reported this as income due to cancellation of debt, but that XXXX is not honoring it XXXX as i no longer have any responsibility for the amount owed.
Consumer complaint received 2022-03-20
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. (GA)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I feel offended every time people add unpleasant information on my redit report. I feel I am not belong here anymore. I ce from a decent family. Now, what to do to change my image yo the XXXX. I want to take it to court. Equifax published negative report on my behalf and also they change our organization status. We used to pay a space on my own to run the organization, i had an accident I didn't receive any money to pay the rental place. I had to move the organization to my house. We have a space 2 years ago we don't any money to establish a good system to run the business. Now some how someone intent to mess up my reputation. For some reason I would like some take in consideration and fix the problem for me. I will appreciate it.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I opened a checking account with Citibank with the advertisement that if requirements are met, I will receive 50k miles bonus to my XXXX XXXX account. Here is the ad : o First, open a new Checking Account between XX/XX/XXXX and XX/XX/XXXX ( Offer Period ). 
o Second, enroll in the Member XXXX XXXX More Checking Offer on the same day you open your new Checking Account pursuant to the instructions provided. 
o Third, complete Qualifying Purchases2 with your Citibank Debit or ATM Card corresponding to the Checking Account Package requirement in the Chart below within 60 days after the Eligible Checking Accounts Account Opening Date ; The maximum amount of bonus miles credited will be based on your Checking Account Package on the XXXX calendar day after the Account Opening Date and completion of the Required Activities ( see Chart below ). 
o Fourth, make 1 or more Qualifying Bill Payments3 for 2 consecutive calendar months within 60 days of the Checking Accounts Account Opening Date. 
o Fifth, to remain eligible, your Checking Account must remain open and in good standing from the time its opened until you receive your Bonus. 
Your AAdvantage Bonus miles will be credited to your AAdvantage account within XXXX calendar days from the date you complete all Required. 


On line # 4 you will see that it states complete 3 bill payments from this account.

During the 60day period, I paid multiple bills of mine through this checking account. On multiple occasions once the 60day period is done, I asked where the bonus miles were and they said I didnt qualify.

According to Citibank, I had to do set up the bill pay through their website or app. If you read line 4 there is nowhere does it say that it had to be set up through their website as this can be interpeted as just paying bills from this checking account. 

I have tried to work with them and have not been successful. I have explained that they can not not honor this promotion when it is their wording of the ad that is not clear.
Consumer complaint received 2022-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I was approved from California Mortgage releif program on XX/XX/2022 and its been 17 days since then, no appraiser has come to the house to appraise the property value as my property value has increased and PMI needs to be removed from my monthly Mortgage payment. Secondly since I served the case till now I was told several times by XXXX XXXX ( attorney of Mr. Cooper ) that she is trying to bring some resolution to the case and will present me a modification, 5 months have passed and no modification has been provided to me. 

Thirdly, XXXX XXXX now wants me to communicate her with postal mails only which is going to waste a lot of time, money, paper envelopes, paper and stamps, I don't have money to sent fed ex or overnight express mails, and why should I waste money on paper envelopes, paper and stamps when I already pay for the internet, additionally it is time wastage, because first class mail takes three days to be delivered and then XXXX XXXX will take additional time to respond. So a thing which can be resolved on email within 5 minutes, will take 5-10 business days, doesn't make any sense. Rather than solving the matter she is further making it more complicated. 

I further need clarification on when to make Mortgage payment, how much is my payment? and when Mr. Cooper will send an appraiser to appraise the property? and when will I get the modification done on my Mortgage payment?
Consumer complaint received 2022-08-02
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account number ( s ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Vehicle was totaled in XXXX of XXXX. The insurance company ( XXXX ) and XXXX paid in XXXX XXXX see attachments. 

ALLY shows payment received in XXXX and XXXX resulting in a Charge-off. Where did XXXX, get those payments from? 

Who made those payments on XXXX accounting statements? 

XXXX shows the check was cashed in XX/XX/XXXX!
Consumer complaint received 2022-02-02
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: AES/PHEAA (PA)

Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PTF document reflecting all items that were found to be unauthorized by any such.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, an automatic bill payment in the amount of XXXX issued thru the bank bill pay service appeared in my account and was withdrawn from the balance. On XX/XX/XXXX, the same bill payment appeared in my account which caused the account to overdraw and was charged a XXXX  fee for XXXX. This was the same payment that had posted on XX/XX/28 however the payment on XX/XX/28 disappeared. After talking to Bank of America they are refusing to refund the XXXX fee after admitting by phone on a recorded line that it was an error. This is not the only time I have seen processing errors occur but BOFA fails to make right on their mistakes.
Consumer complaint received 2022-02-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXXC XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) 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. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) 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. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) 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. 
( XXXX ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-02-02
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. (GA)

XXXX placed an account in collections and used multiple Collection agencies in the attempt to collect via email/mail/phone/ credit file reporting all through XXXX, all without verifying the debt, I have disputed it multiple time always asking for the Original signed document as is my right, they were never produced nor was i asked to view them,, XX/XX/XXXX the still did not comply with originals instead sent copies with copy/pasted signature/altered documents and uttered a complete forgery all in order to validate a non existent obligation and extort monies not owed and the CRA 's are guilty of no adhering to FCRA by verifying the debt and only reporting 100 % accurate information
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Bank Used : PNC I received an insurance check for a claim I had on my house in XXXX. I attempted to deposit it once and I did not know my mortgage company was supposed to sign it as well. That was 100 % my fault. Once I received my check back in the mail from PNC I could no longer get my mortgage to sign off on it. In that little time in-between my mortgage was sold off to another bank to service. I requested the insurance company reissue my check with my name and the new mortgage company name on it so I could deposit it. I received my new check in the mail and took it directly to my new bank that held my mortgage. It took them about a week and they got clearance to sign off on it. They marked it with all the appropriate signatures and wording as instructed by their superiors. I took it to a teller at XXXX branch in XXXX XXXX and they said it looked good and it was deposited into my account. Less than a week later I pulled up my account and all my accounts showed {$0.00} and they were frozen. I called the XXXX XXXX XXXX in XXXX XXXX and I was working with XXXX. She moved it along the process to figure out why my accounts were frozen. She was working with loss prevention and was told my account was flagged for fraud. I've been with this bank for XXXX plus years at this point in my life. XXXX said loss prevention asked if my new mortgage company ( XXXX ) could write a letter stating the insurance check wouldn't be returned and the teller who signed it had permission. The banker at XXXX Im working with was kind enough to 3 way call XXXX and I to get this sorted out. XXXX at XXXX asked XXXX what bank was the insurance check from. XXXX checked and it was XXXX XXXX. XXXX asked how can we guarantee a check not be returns when it isn't our check. We just signed it. Then she asked if the teller who signed it had permission and she said yes they Are under our permit. Not sure what that means. XXXX forwarded that information to loss prevention and they haven't done anything with it. This is going on a week and a half. I've already had 1 bill be returned and charged {$20.00} return fee. My payroll check was supposed to be deposited today and I can't get to the funds even if I wanted to. My house payment is scheduled to come out of the PNC account and I have to call them and tell them to stop it. I'm fine with waiting on the insurance check, but why did they have to lock my main account?
Consumer complaint received 2022-01-28
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. (TX)

I reviewed my credit report and found three inquires from XXXX XXXX. The dates of the inquiries were XX/XX/2021, XX/XX/2021, and XX/XX/2021. I did not authorize these inquiries. I reached out to XXXX XXXX directly and they agreed to remove the inquires from my credit report but the credit reporting agencies have not removed them. I have attached the letter to this complaint that I received through the CFPB from XXXX XXXX regarding these inquiries.
Consumer complaint received 2022-01-28
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: Experian Information Solutions Inc. (TX)

An account was opened in my name without my knowledge or consent. The account is XXXX XXXX and it was opened on XX/XX/2014. I previously disputed this account with Experian and it was not removed. I have now disputed this account directly with XXXX XXXX and they have agreed to remove the account from my credit file. As of today 's date this account is still being reported on my credit file. This dispute contains new information to open a new dispute. The new information is the agreement from XXXX XXXX to delete this account from my credit file.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (IL)

Received in mail several letters about opening credit cards in my name that I did not do. There were several including Amex, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX card, XXXX XXXX XXXX. I looked up my XXXX  credit report and found all of these inquirers. I have put a freeze and a fraud alert on my XXXX credit report. I was advised by the XXXX agent to report this to FTC, which web site directed me here. There was also a bank account opened under my name at XXXX XXXX XXXX XXXX. I have contacted them and had that account closed. 

I would like to know if there is anything else I need to do to protect my identify and prevent any future fraud.
Consumer complaint received 2022-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate. The bureaus requested me to verify my identity I provided verification and they have not updated my report
Consumer complaint received 2022-01-28
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: Experian Information Solutions Inc. (IL)

I am submitting this XXXX XXXX without any influence and this not a third party I Contacted company XXXX about an auto loan showing in my name that is fraudulent. I tried calling them XXXX times and I believe im blocked now I did not open this auto loan. Auto loan agency stated I needed a police report, my signature on a piece of paper five times, copy of social security card and drivers license. I dont feel comfortable sending a copy of the last three items in that list. I sent them instead my FTC report along with only a copy of my drivers license and a personal social security number to compare against on my drivers license address. XXXX XXXX based out of XXXX, MD according to the website and this loan was opened in XXXX, MD they informed me when I live in Illinois. These dont add up and should have been a red flag when it tried to be opened. I also had a credit freeze through Experian and XXXX at the time this was opened and they still opened the account.this the account number ( XXXX ) that appears on my credit report balance {$42000.00} please help me PLEASE
Consumer complaint received 2022-08-02
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. (NJ)

I had identity theft back in XX/XX/2018 and my social security was used for various accounts. I am not aware of who did these transactions. Also as per 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 As this is not an account of mine and the information is being shared and reported on my account. 
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