davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
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. (AR)

This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from myreport as soon as possible. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX DEPTEDXXXX XXXX {$8500.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX {$17000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00}
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Hello! 

I sent letters to this company on XX/XX/2022 and have yet to hear any type of responses. I have reason to believe that information is being reported inaccurately on my behalf and I am aware that this is a violation of my rights! Also, this inaccurate reporting is causing emotional turmoil as I am not able to be approved for things that I need to better my life and existence. 

All I asked for was a re-investigation because I am positive that the information is being inaccurately reported. 

I truly demand a re-investigation. If not, please remove from my credit report ASAP!
Consumer complaint received 2022-05-03
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. (MN)

The credit bureaus has violated my rights under the FRCA and the CARES ACT, and have caused me undue stress and phycological pain Under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s2 ( a ) ( 1 ) ( F ) ( i ) ( I ). They have not been reporting inaccurate information.

Under Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation. They have been reporting inaccurate information. Under the CARES ACT : If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current.

If the credit obligation or account was delinquent before the accommodation, during the accommodation the furnisher can not advance the delinquent status. They have been reporting inaccurate information, and have not followed the law Also, whenever the credit bureaus and furnishers provide information on a consumer, they have the obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V. The credit bureaus have failed and they have been reporting inaccurate information.

To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider ALL of the trade line information they furnish that reflects a consumers status as well as the credit bureaus
Consumer complaint received 2021-10-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I have attempted to get Wells Fargo to stop accepting any payments when my account is low about four times now. I regularly run low on cash, and when this happens I would expect payments that are attempted to be denied by my bank. I have spoken to support services no less than four times since XXXX and each time I have had overdrafts reversed and been told that my account will no longer overdraft if I do not have the funds. 

Each time, though, payments are held in processing until I am low, and then the most expensive payments tend to not clear until several days following the purchase, and I will overdraft. Ive even noticed that sometimes payments that cleared will go back into processing once i get low, causing me to incur overdraft fees even though i had more than enough money at the time the purchase was actually made. I have lost hundreds of dollars to this, and my requests for my account to simply not process payments if I dont have the funds has been ignored each time. I know that other banks do this, so Im not sure why Wells Fargo can not. 

Attached is an example of a payment changing status days later. I paid for a ticket on the XXXX, and on that same day the payment appeared on my statement ( I didnt screenshot this as I wasnt expecting anything to change ) Now, however, the same payment shows up as XX/XX/XXXX, which means it will more than likely cost me {$35.00} for an overdraft fee even though I had more than enough in my account to cover it on the day of the actual payment.
Consumer complaint received 2021-08-21
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. (LA)

Experian is reporting inaccurate and errors on my credit report. The incorrect information is with the creditor XXXX XXXX. Experian have the estimated account removal date as XX/XX/2021. This account is way past the statue of limitations and should be removed for my credit report immediately. XXXX and XXXX does not have this account on my credit report and when I disputed it previously with those two credit bureaus it was removed for inaccurate information.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC (CA)

I would like to place a formal complaint against Citadel Servicing Cororation, the financial company with whom I have the mortgage of my house.I have noiced that during the past 2 months they are transferring their operations from XXXX XXXX XXXX CA ) to XXXX ( G ). This process has been a disaster because of their lack of transparecy to their customers, incompetency, chronic chaos and disarray in this company. I had to spend {$44.00} XXXX {$15.00} fee & {$29.00} USPS-Overnight Delivery ) because of their threath of reporting to Credit Bureaus, thus damaging my hard earned credit history.. 

I have had various prblems with them virtually from the onset XXXX XX/XX/2018 ). I do hope that you would be in a position of helping me to deal with this company. 

Best regards, XXXX, XXXX XXXX XXXX am open to discuss the dtail with you anytime you choose as I refrained from using vital account numbers, etc ...
Consumer complaint received 2022-05-03
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 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 XXXX  more than 21 times. XXXX 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 XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-03
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: OneMain Finance Corporation (NC)

One Main continues to call and harrass me. Fraudulent access to my credit file. 
never requested a loan. several inquiries on my credit report. spoke with XXXX. and XXXX. l
Consumer complaint received 2021-12-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I sent a letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX Account identified as fraud - the company promised to remove it from my report and has removed all except Transunion. Transunion somehow keeps verifying the account when it was fraud
Consumer complaint received 2021-12-06
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. (PA)

i have contacted all 3 credit bureaus as well as XXXX XXXX XXXX 5 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$9900.00} balance and it is also reporting a high credit of {$19000.00} and a past due of {$9900.00} ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...
Consumer complaint received 2022-07-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In XX/XX/XXXX, my XXXX XXXX XXXX was involved in an accident and totaled out with a pay-off amount of {$14000.00}. I did not have GAP insurance but my insurance company ( XXXX ) was able to cover {$12000.00} and the Ancillary product refund was {$600.00}. I had made every on-time monthly payment from the purchase of the vehicle and then past the accident. Normal on-time payments were made after the fact to pay off the incorrect remaining balance of {$1700.00}. Even though there was no vehicle I continued to make payments. In XX/XX/XXXX, I made a {$50.00} payment at the beginning of the month and when I went to make a second payment on the XXXX the payment portal was blocked. I called the number listed and spoke to a customer service rep, she stated that my account was in another department and that I should receive a letter with the final balance. I did not receive a letter and waited. On XX/XX/XXXX I received a XXXXXXXX XXXX alert paperless bill for {$220.00} due on the XXXX of XXXX, XXXX. This billing was obviously wrong My thought process was that maybe XXXX XXXX XXXX was giving me a break and extended the term to pay-off over time. I was wrong. 
On XXXX the XXXX I received a call from XXXX XXXX XXXX and spoke with Mr. XXXX XXXX. He stated that I had a balance due. I told him that I had tried to make a payment and I was locked out of the portal. I explained to him that I did not recieve a final bill and I asked if he could email the final bill which he did and if I can continue to make payments of {$200.00} more on the balance. He said yes. 
XXXX charged off my account without warning to me and misreporting and not properly reporting to the bureaus over several months and while I was making payments on the account balance. I called several times to try and fix this. I wrote a letter showing that my intent was to do right all along. This account is paid in full. This is wrong to do to people.
Consumer complaint received 2024-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Good Morning, I am unaware of this debt that is being reported on my credit report. I have not had the opportunity to dispute this information, If in fact you believe you have given me proper notification, please send the certified mail receipt with my name and my signature. 

Collection company : IC System Correspondence XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-04
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. (NC)

XXXX XXXX I, XXXX {$10000.00} XX/XX/2018 I have disputed this account on several occasions, I have asked please not to show it in my credit report and it has disappeared but it reappears and I am concerned because I have not authorized it to be displayed
Consumer complaint received 2022-05-03
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. (FL)

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.

15 U.S.C 1681 section 602. 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. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (IN)

I was approved for the card back in XXXX of 2021. The only open account I have, card wise. This is on purpose, I have been paying my debts down, and had my score up to what is considered good. I only applied for the card due to an emergency. It was advertised as a promotional 12 months interest free. No warnings were given that if you are late, they would check your credit, and thus decide to lower your credit limit which then impacts your credit score. The first time this happened was back in XXXX of 2021. My credit took a hit, this was also right around the time I was applying for a mortgage so I took another hit. They lowered my credit limit again in XX/XX/2021, XX/XX/2021, and XX/XX/ 2021. My credit score has been hit by a XXXX pts because of this card. I have made payments every month but XX/XX/ 2021 because I never received a statement. I had to grab the approval email to be able to sign up for the app in order to make payments going forward. I have made a payment every month from XX/XX/2021 up till now, and will keep doing so. On the app it always said minimum payment due was around XXXX $ which is what I paid each month except in XXXX when I paid XXXX $ because I'm in a place to pay more. I called the company as suggested to see about reversing my credit limit since it's killing my credit score. Again this is the only open card account I have so each month they check my credit score they end up lowering my credit limit due to lowering my limit the previous month impacted my credit score. It's a vicious cycle that needs to end. I spoke to a representative who made it very clear they can't do anything and there is no one I can talk to. She said all she can do is advise I speak to a credit counselor. I have been working aggressively on my credit score for the last four years, I know how it works. I just wasn't expecting a card with a promotion that can only be used at health facilities like a vet office, wouldn't attack me for missing one payment, and continuously lower my credit limit impacting my credit score they keep checking each month. Since they refuse to reverse what they have done with my limit, I'm not sure if I should take another hit and close the account or put it on a freeze. Neither options guarantee they will stop but they have already erased all my hard work over the last four years. I never got a letter advising me they are doing this, no voicemails, no emails. I only found out because I watch my credit score.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (NY)

I purchased an item online from XXXX. My account got charged a price higher than the price I confirmed. When I reached out to the merchant, letting them know that I did not want the item anymore because it was higher than the price agreed upon, the merchant forged some documentation showing that the price that I paid for the item was indeed the price listed for the product. When I brought to light that their response wasnt true, the merchant escalated my complaint to a higher department to address the issue. Instead of addressing my issue, the higher department simply said that I wasnt eligible for a refund. Mind you, at this time the product had not even been shipped to me yet. Because this was fraud, I contacted my bank. 

When I contacted Citibank in XXXX to open a dispute, they told me that they were going investigate my claim. They eventually closed my claim saying that they didnt have enough information on my part to substantiate my claim. When I found out that my claim was closed, I immediately contacted Citibank and told them that if they needed more information, all they had to do was contact me. I then demanded that they reopen my case by filing an appeal. In the appeal I attached all the emails between the merchant and I, which clearly showed that they REFUSED to address the fact that the price I agreed upon for the item was different from the price that I was charged. 

I just found out that Citibank sided with the merchant again. When I asked why, they told me that the merchant simply told them I wasnt eligible for a refund. THIS HAS NOTHING TO DO WITH THE FRAUD THAT OCCURRED. I WAS TOLD AN ITEM WAS ONE PRICE BUT CHARGED A WAY HIGHER PRICE. I CONTACTED THE COMPANY BEFORE THE ITEM WAS SHIPPED TO ME. THE COMPANY DISREGARDED MY COMPLAINT AND SHIPPED THE ITEM ANYWAY. THEY ALSO NEVER ADDRESSED ME BEING CHARGED A HIGHER PRICE!!!! HOW CAN MY COMPLAINT OF FRAUD ON THE MERCHANTS END BE DENIED WITHOUT EVER ADDRESSING WHY I WAS CHARGED A HIGHER PRICE?
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (AR)

I recently found after checking a copy of my credit report I noticed some inaccurate information reporting fraud-related accounts that were opened without my knowledge or consent. I have made contact with all parties involved and this account still remains on my credit report. I have submitted several pieces of supporting documentation to further validate my claim. I am exercising my rights under the FCRA and FDCPA in regard to victims of identity fraud. I've never had any account or contract associated with the Convergent Outsourcing nor received any goods, services, or money in relation to any account associated with Convergent Outsourcing.
Consumer complaint received 2020-07-08
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. (SC)

XXXX XXXX,2020 I completed a letter to all credit bureaus on inaccurate reporting for several accounts on my credit. They are reporting 3 different dates/years on charge off accounts. I requested for the credit bureaus to delete the account. The initial response was verified. I have also provided screen shoot within my letter from XXXX XXXX. I am submitting a second notice for the removal of the inaccurate charge off accounts.