davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-01
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. (PA)

I see a hard credit inquiry made by  XXXX  on  XXXX   XXXX ,  2017, on  my Equifax credit report. I did not authorize this inquiry and the credit check was performed without my consent. I have filed a dispute with  XXXX  to remove the inquiry and they have responded in a mail to me on  XXXX   XXXX  saying that they have requested the credit bureau to remove the inquiry. But I am still seeing the credit inquiry on my Equifax credit report.   As a matter of fact, I do not even have an account with  XXXX .     I have tried contacting Equifax over the phone, but they are saying that  XXXX  did not send the removal record.
Consumer complaint received 2017-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried contact the debt collector for an account listed on my credit report with  XXXX   XXXX   XXXX . I am unaware of the terms or conditions of this account. To the best of my knowledge I never had an account with them or  XXXX . I have sent  two  request asking them to provide me with a contract of me agreeing to this debt and when. To date both of my request have gone ignored. I contacted the CB 's online to file a dispute but was given an error message. I then tried to call to have this matter resolved but the reps were nasty. All accounts must be verified and validated if they refuse to send me anything I would like to know what the Credit Bureaus used to validate this account upon placing it on my credit report.
Consumer complaint received 2017-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (GA)

I recently relocated to Georgia and I 'm living in an   XXXX   XXXX    XXXX . I receive my mail there and packages. I updated my account online with Simple bank on  XXXX   XXXX ,   XXXX  an d after a day or two they told me because it 's technically a business address I could n't use it and they would have to close my account. I called and talked to a representative and explained that I just moved and that I am living there and I receive my mail there. They told me because of the  Patriot Act tha t I had to have a verifiable residential address. I 've updated my address with  XXXX  other banking institutions and have had no issue with using the same address. Today  XXXX   XXXX ,  XXXX , they told me that I have 30 days move money before my account is closed. I 'm not a new account holder and have had the account actively since  XXXX   XXXX . I 'm a United States Citizen with a verifiable social security number ; which they verified at the opening of my account.
Consumer complaint received 2017-06-01
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. (GA)

I tried disputing with  XXXX   & had troub le verifying due to fraudulent info & I also called Transunion & spoke with a rep on last week & was informed that nothing can be removed. I actually tried to identify my information multiple times online & was denied because people have fraudulently used my information. I have had the VA contact me & other companies due to breeches in their systems toget protection. I notified them of unauthorized inquiries & also that sinc e 2011 so meone has gotten school loans in my name. It is affecting my credit as well. There were also multiple inquires from car lots not authorized.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. 
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 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc. (NC)

Moneylion, INCXXXX has been contacted multiple times since XXXX 2019 by consumer. The bank has not responded to any attempts. Consumers payment information changed and needed to be udated but the bank did not provide an opportunity to change the information, this action led to the account becoming past due. Although the bank never attempted to resolve this matter with the consumer, and the consumer attempting to, the bank has reported negatively to the credit bureaus. Consumer contacted bank to both remove the false information on credit report and resolve account payments, to no avail. Consumer has no other resources other than legal help.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I ordered phones from XXXX via a kiosk in XXXX. I asked that the account be created from my business EIN, but my personal SSN was used instead. I was told by the rep that i would get a XXXX XXXX, an XXXX XXXX XXXX, and a XXXX XXXX XXXX. The XXXX was stolen before activated, so I contacted customer support and they blacklisted the phone. I was told that I'd have to go inside of a store and get my new XXXX XXXX, but when I visited the XXXX store, I was told they couldn't understand my notes and that they could not help me, and that its nearly impossible to switch a personal acount to a business account. I called XXXX retail support to have the lines canceled and was told that I was too late to cancel. Yet, I never received the XXXX XXXX, nor was I remembered the taxes i paid ( {$110.00} ). i returned all phones back to the retail store only to find out that my account also didnt have insurance on any phone, which i was told i would receive for {$20.00} a month for all three lines. 

To add to the insult, I was told by the XXXX  kiosk rep and by XXXX XXXX XXXX XXXX XXXX XXXX Customer Service that I could pick up my XXXX XXXX  and my XXXX in store, but I was told by XXXX XXXX XXXX reps that they couldn't honor what customer service and the XXXX  rep said I can do.
Consumer complaint received 2017-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America sent me a letter saying they were closing 2 of my credit cards with them for " Inactivity on this account ''.
These are my oldest credit accounts. I was given absolutely NO warning of this happening and out of the blue my accounts were shut down. Since these are my oldest accounts, my credit rating will drop significantly because of this. Again, I was given no warning in any way or form of this happening. I just got a letter out of the blue saying my accounts were closed.
When contacting the customer service rep about this, I was told there is nothing they can do to activate a closed account. This is absurd. My credit score will fall by about 50-100 points because these are both my oldest accounts. I also bank with Bank of America and have done so for a while. I do n't understand how this could happen.
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (TX)

I XXXX XXXX was running a local restaurant for several years by the name of XXXX XXXX, a division of XXXX XXXX XXXX , XXXX. The business was closed in 2019 due to a lack of business, and currently I have over {$150000.00} in corporate debts that I can not pay. Accordingly, even though I did my best to maintain payments to my US BANK corporate card ending in XXXX, I can no longer afford to pay on this account with a balance around {$17000.00}. Therefore, I request a reasonable settlement in six payments to SETTLE this account permanently without any further interest and penalty charges. 

XXXX XXXX President of  XXXX XXXX XXXX , XXXX.
Consumer complaint received 2019-11-27
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)

I recently came to a Equifax part of the CFPB and saw that the Equifax security breach had a page to enter in the SS # and some other info to see if I have been affected on the past breach. Sure enough, I am. I tried to access the dispute I had put in all these years with Equifax but their reports on line only went back a year. Thus doing me no good since they need all the way back to 2017. I have been disputing errors since then and beyond.
Consumer complaint received 2020-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IN)

PNC Bank provided a promotion offer for opening a new checking account and meeting requirements. As a qualified customer, I met all required activities within the given time. PNC customer service representative confirmed the bonus of {$500.00} will post in 60-90 days after XX/XX/XXXX, or approximately XX/XX/XXXX When the bonus failed to post in my account, I followed up with the bank several times online. PNC Bank opened a ticket for tracking purpose, but evenutally no explanation was provided, bonus was never provided as of XX/XX/XXXX. 

As a consumer, I expect a bank to honor a promotion offer.
Consumer complaint received 2017-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

My  XX/XX/XXXX  mortgage payment was returned. Ditech has not modified my mortgage and l have paid my taxes each year and home owners insurance. they tried to pay my taxes and the money was returned by the county as an overpayment. several years ago, they started to t escrow my account and l explained to them that my mortgage was never modified but they issist l paid my taxes late which is false.,., we accually paid on the same due date. they have continued to bill me for escrow amounts while i have paid my mortgage and taxes on time. Now they want to stop accepting my mortgage payments and forclose on my home by not accepting and cashing and returning my checks. My taxes are paid in full for  XXXX  and my mortgage was current until they returned my May ck in the amount of {$1900.00}. They ruined my credit by posting escrow fees as late payments on my credit reports which makes me unable to refinance at this time. i am   XXXX   XXXX   XXXX    and work 2 hrs a day for a   XXXX   XXXX  . i pay my mortgage and taxes on time. and now they are trying to foreclose or get me to pay escrow amounts per month in addition to my monthly mortgage. my income varies per month and escrow fees are too much per month. i have explained this to them and they are now trying this to get me to pay up. i will have my tax dollars this l fall when they are due and will pay them on time as usuall. Not sure how to proceed since l just sent my  XXXX  Mortgage payment yesterday. .or if i should re submit my  XXXX  mortgage check that they returned to avoid forcloseure.In addition the dollar amounts they are trying to collect in escrow are incorrect ... .they are not including tax payments or insurance payments made over the tears. my account need to be audited.
Consumer complaint received 2017-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

This company has placed a collection on all of my credit reports illegally. they have never served me with proper notices and have obsessively contacted me and annoyed me to no end regarding an unseen amount I owed to nationwide insurance. I told them I settled this debt and I had no responsibilities towards this any longer. I was told over and over again th at YES this amount was closed with the original company and that they would stop calling and harassing me. Now, I just checked my credit score to  see that they have placed a derogatory account over this small ridiculous sum on my  XXXX  credit reports and it has dropped my score over a  XXXX  points and I am devastated. They have no right to harass me and annoy me and try to collect a debt I had no idea about nor was I properly informed of. These people ruin lives and its not fair
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CARD Corporation (GA)

My account has been blocked. I did not receive a phone call or email stating the change. I called to speak with the Supervisor XXXX ( employee number XXXX ) and he was not willing to assist me. They have caused me a lot of trouble within the last couple of months. I recently had to move out of my home because they did not send my card when they said they would. I literally waited 28 days for a new card. I could not afford the late fee with my home rental company. The manager or supervisor will not assist me or compensate me. The company is card.com. This company is really a scam. I am without a phone and gas right now because of this company and XXXX will not transfer me to a manager. They always say that a manager will contact me back and I have yet to receive a phone call from the manager. I have been told that since my account was blocked, my direct deposit was returned to the sender, which the last time, my direct deposit was placed in my account and I did not have access to it. Please help as soon as possible.
Consumer complaint received 2017-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trojan Professional Services, Inc. (PA)

This was a XXXX amount owed for a XXXX. I paid the balance in full to XXXX XXXX XXXX. They are stating that I was passed due and they refused to take this off my account. They were also sending bills to my wrong address. They had my corrected address but insisted that I still lived at XXXX XXXX.
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In  XXXX     2016, Capital One char ged me an annual fee. I called up customer service and had them close out my card to remove the fee. This was supposed to be done per customer service.  XXXX  and  XXXX  came and I receiv ed zero mai l correspondence until late  XXXX  when I was told my account was 60 days past due plus on top of the annual fee they charged me  XXXX  late fees. Again, this card was supposed to be closed out therefore not giving me a 30/60 day late on my credit report. I tried to speak to customer service several times but they just hangup on me.
Consumer complaint received 2017-06-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (PA)

Worked with Quicken loans to refinance home. They were misleading about lender fees therefore withdrew consent on application and went with another company. They charged my credit card  XXXX  $ without explanation or authorization. I never authorized this payment. They have some serious business practice issues with regard to misleading customers and not fully disclosing their fees. After they were denied my business they unlawfully charged my card. I am disturbed by this company being allowed to operate in this manner.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (IL)

Several unauthorized transactions from XXXX were posted against my debit card on XX/XX/XXXX, {$17.00}, XX/XX/XXXX, {$16.00}, XX/XX/XXXX, {$48.00}, XX/XX/XXXX, {$53.00}, XX/XX/XXXX, {$100.00}, XX/XX/XXXX, {$100.00}, and XX/XX/XXXX, {$100.00} for a total of {$450.00}. I do not have an XXXX account. First, I notified the Direct Express Customer Service and notified them of these fraudulent transactions. The customer service sent me a questionnaire for fraud - SR Number : XXXX and I filled out and returned to them. On XX/XX/2021, I received a form from Direct Express that they were starting the investigation. On XX/XX/2021, I received a letter from Direct Express that they completed their investigation and they could not confirm that fraud occurred and a number was provided XXXX XXXX XXXX XXXX if I wanted to receive the documents they used to make their determination. XXXX enclosed ). In the meantime, I spoke to XXXX Customer Service ( Case ID : XXXX ) and they provided me with the charges and they could not refund because it was past the 60 days timeframe. Note I did start this within the 60 days with Direct Express. After this Apple letter, I talked to Direct Express Fraud department and she requested me to write a letter to the Fraud department of the investigation and request to reopen the case and I do so. I received a letter, XX/XX/XXXX, that they had closed the investigation. Not sure if they dropped the ball and didn't follow through. Recently, I called XXXX with my friend and talked to an XXXX associate and she stated she could see the charges and they did not relate back to me, but she couldn't provide the information to who made the charges. Also, she didn't see where the bank had investigated. So here I am {$450.00} short out of my social security XXXX {$840.00} a month ).
Consumer complaint received 2021-05-11
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. (MS)

Equifax entered two collections on my credit file on XX/XX/21 ( which caused my homeowners insurance company to raise my homeowners rate by {$400.00} due to credit rating issues XXXX. I discovered the entries on XX/XX/21 and immediately called Equifax to dispute the entries. The collections were for medical procedures in the Northeast U.S. I live in Mississippi and haven't visited a doctor  other than my family doctor in 10 years. Equifax should have identified that the filings were some type identity theft or error initially. They could not have had any contact information for me or they would have called or send bills. Equifax assigned a dispute number of XXXX. I followed the called in dispute with a certified letter. Equifax entered two disputes -- the original and another identified as XXXX. I called Equifax to determine what the second dispute was and they explained that it was a duplicate -- exactly the same as the first dispute. On XX/XX/21, dispute XXXX was completed and Equifax posted that " the item had been deleted from the credit file and actions taken to insure that it did not reappear ''. The collections were still in my file and dispute XXXX was still listed. When I called about this I was told again the the two disputes were identical and the second should have been closed also along with removal of the collection entries. I was told it would be done within a couple of days. That was over a week ago and they still remain. Meanwhile Equifax has sent a credit score of XXXX to XXXX where I have a mastercard account with a 5 % apr because of excellent credit XXXX my previous rating from Equifax to XXXX was XXXX XXXX. I spent over 50 years building an excellent credit rating which saves me money in many areas and Equifax is ruining it all in a few weeks with their failure to identify a clear case of identity theft or error!! This should not be allowed to happen!! In addition, this is the 32nd day since I reported this which is two more than allowed by section 609 of the Fair Credit Reporting Act.