davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
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. (TX)

This dispute is regarding XXXX XXXX Inaccuracy # 1XXXX The " date of last activity '' does not match across XXXX XXXX Experian, and XXXX XXXX XXXX reports XX/XX/XXXX, Experian shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX. This date must be accurate because this is the date of original delinquency. A collection account can only stay on your credit report for 7 years and then it is deleted. This date also determines when the statute of limitations is up and shows how long a debt collector has to sue and in Texas that is 4 years. 

Inaccuracy # 2- The amount owed of does not match across the bureaus. XXXX is reporting {$500.00}, Experian is reporting {$500.00}, and XXXX is reporting {$500.00}. 

Inaccuracy # 3- The " Report date '' is being updated every month this the current month and making the collection look new. My most recent credit report shows that XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. 

Inaccuracy # 4XXXX The " Open date '' does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. 

Other Violations on this collection account include : -XXXX is reporting a past due amount of {$500.00}. Collection accounts are closed and there for should not be reporting a past due balance. 
-XXXX  is reporting is reporting this closed collection account as " open ''. 
-There is no date of last payment listed for any of the credit bureaus. 

According to the FCRA section 623 ( a ) ( 2 ), if a furnisher, furnishes information to one or more credit reporting agencies that is incomplete or inaccurate, that furnisher must promptly provide the correct the information or remove the incomplete or inaccurate information. 

XXXX and the credit reporting agencies XXXX, Experian, and XXXX were made aware of all FCRA violations multiple time and the issues were left uncorrected every time. They have also NEVER provided the original contract containing my wet signature, NEVER provided an itemized billing statement of all payments made, NEVER showed proof of ownership to show that they are authorized to the collect the debt, and NEVER provided the method of how the collection balance was calculated. I have already requested this information in previous disputes. This company is taking part in illegal debt collection practices and after this I dispute, if the violation is not fixed, I will be taking further legal action.
Consumer complaint received 2016-10-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (VA)

My Citi ( XXXX ) XXXX ( R ) Card charged me interest even though I paid my account in full. When I asked them about this, they said that with this particular card you are charged interest from the prior month on your daily balance, even if you pay your account in full.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I received an email that my Care Credit account was closed. The account had a XXXX balance and has been in good standing for over 3 years ( always paid early & never missed or was late on a payment ). While 5rying to dispute, company hung up on me and threatened to close my other Syncrony accounts that are also in good standing.
Consumer complaint received 2024-08-26
Product: Credit reporting 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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (RI)

I signed up for an experian account and then downgraded to the free membership they offer. In light of the massive data breaches the company has fallen victim to I no longer feel secure with having a membership. Ive tried calling multiple times but the companys automated receptionist does not allow you to cancel your membership. At best it redirects you to refer to the website however, the website explicitly states you can only cancel over the phone. I just want my account cancelled but the company has intentionally obfuscated the process.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

A fraudulent account was opened in my name in XXXX XXXX XXXX XXXX. This was identity theft. I sent in previous documents reported to law enforcement and XXXX XXXXXXXX removed the account and then put the account back on my credit report. I contacted the fraud department on XX/XX/2023 and the representative confirmed that the account was removed and then put back on my credit report. This information was provided to me from the XXXX XXXX representative on a recorded line and Iwould like this fraudulent account removed.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I checked my credit report and found out a Bank of America credit card account that was a fraud account. I didn't even open a credit card at BofA before, I tried to dispute this account, however the BofA denied my request. Per checking the credit card information, this credit card is opened on XX/XX/XXXX, however, I didn't come to XXXX until XX/XX/XXXX. I am so disappointed on the way BofA solve my problem, and it hurt my credit score a lot. I really want to solve this problem. 

My personal information Name : XXXX XXXX XXXX : XX/XX/XXXX Passport : XXXX SSN : XXXX I have attached the related credit card as a screenshot. also I attached my travel history from XXXX customs and border protection. It will show that I arrived at XXXX at XXXX
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I received an email from Bank of America about a credit card application submitted in my name and also an Alaska XXXX XXXX program. I have not applied for a credit card from Bank of America or the XXXX XXXX for Alaska XXXX.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-02-14
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. (NY)

XXXX XXXX accessed my XXXX consumer report without my written authorization. I never gave this company to obtain access to my consumer report. This is a invasion of my privacy as a consumer and illegal to do without my authorization.
Consumer complaint received 2023-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MI)

I filed a complaint prior but it was 'closed ' because the mortgage company ( Wells Fargo XXXX claims they didn't have my phone number to contact me. It's a circus of excuses with Wells Fargo. I received a letter by XXXX in XX/XX/XXXX to contact a WF representative- which I did- I left a detailed voice message that included my name, phone number and case number / mortgage number. A couple weeks pass & no response. The only action taken was to 'close ' the case because they couldn't contact me! I called again and left a voice message & this time ( XX/XX/XXXX ) I received a call back. The representative claims she's had many instances of people saying they left a XXXX but she didn't receive them. Even says she's let the company know of the issue & nothing 's been done about it. So they've admitted to having 'voice mail ' / tech issues. During the course of the conversation on XX/XX/XXXX I explained that during my conversation with their reps back in XX/XX/XXXX that I was denied a mortgage modification due to 'not making enough money '. The rep on XX/XX/XXXX says this isn't possible as it would have gone to an underwriter first before a denial and they don't do that over the phone. News Flash! I was denied over the phone back in XX/XX/XXXX. I provided a detailed account of my finances over the phone and was denied during an approximately XXXX minute conversation. The rep on the phone on XX/XX/XXXX asked if I had the name of the representative from XX/XX/XXXX, the time and date of the call. No, I don't but the current call is being recorded for quality assurance purposes - wouldn't the call from XX/XX/XXXX also be recorded in some manner, whether voice recording, computer detail, etc as most customer service reps are required to do - provide an account of all calls/concerns? In the age of information when we are not people to large, nameless, faceless mega-corporations, but simply an arrangement of numbers - wouldn't they be able to reference the call from XX/XX/XXXX from my ss # or mortgage account #? Conveniently for Wells Fargo, I'm being told they wouldn't be able to track the call according to my mortgage # or any other identifiers unless I had a specific date/time/customer service rep name. These are the games that Wells Fargo plays in the age of information ( or in their case, DISINFORMATION ). Not surprising that Wells Fargo is 'leaving ' ( I'm thinking being forced out of ) the mortgage lending business due to their shady business practices.
Consumer complaint received 2024-09-04
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)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I changed from XXXX XXXX to XXXX XXXX on XX/XX/XXXX. They had already paid XXXX for XX/XX/XXXX to XX/XX/XXXX. I got a refund and repaid them the amount they paid XXXX. They finally paid XXXX XXXX after 3 phone calls. For some reason XXXX refunded me also for the 9 months prior to XX/XX/XXXX. I am trying to work with XXXX with that but they were insuring me for those 9 months. My house insurance for the year is {$800.00} for the whole year with XXXX XXXX. XXXXXXXX XXXX  is trying to take advantage of XXXX mistake and they took {$3300.00} out of my esrcow claiming I wasn't covered for months that had already passed. They paid XXXX out of my escrow for last year so they know I had insurance last year. The clerical error is between me and XXXX not sure why they are taking advantage of this and trying to charge me almost {$400.00} a month for months that have already passed. For those 9 months with XXXX I may owe them {$700.00}. Not sure why Santander took it upon themselves to pay XXXX almost {$3400.00} its 5 times the amount. I called XXXX and they are sticking by their charge. I still don't know how XXXX can make {$3400.00} off of 9 months that were already passed. Its free money to them the 9 months are passed and there will never be a claim on past months. Santander paid XXXX and for those 9 months in question they knew I was covered. Seems to me Santander and XXXX are scamming money.
Consumer complaint received 2024-09-04
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. (PA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-04
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo is a bad-faith actor. They helped themselves to over $ XXXX in overages based on false accounting. They defied a judge 's order and never took my home out of foreclosure in 2010 and continued the foreclosure action for 2 more years. They did not accept my monthly mortgage payments and tried to lock up the house, illegally on2 occasion. They then sold the mortgage while we were in dispute and added their false accounting numbers which added an additional $ XXXX to my original mortgage note. If this was done to me, there so many other innocent, hardworking, American customers that have been overcharged by this bank. They gained an additional $ XXXX for falsifying their accounting, defying a judge 's order, and needing to be held accountable. They continue to provide the same false accounting and have offered me {$600.00} in restitution. This is outrageous and they must be investigated for misrepresenting their accounting and overcharging their customers.
Consumer complaint received 2024-09-04
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. (TX)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (CA)

This is my several requests that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Also, the listed accounts are DELETED from other bureaus and you should also delete them as well. I have doubts about their accuracy and the reported payment history on these accounts is a mystery to me. 
XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$10000.00}.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (AR)

Radius Global Soutions has been issued a cease and desist by me personally. They reported to all three major bureaus that they are attempting to collect {$110.00} that was owed by me to XXXX. I have never had a balance with XXXX. Once last year, I attempted to order a single, cellular line from them. They were to send the phone to my XXXX location. They added the address incorrectly, and XXXX returned the phone to XXXX warehouse, and they would not reship it. I was advised that the only way I could receive the phone was to start the process from scratch, new account number, deposit, everything. So, actually, XXXX, still owes me the {$50.00} deposit that they charged me as a down payment on a phone I never saw. I told them to cancel the entire transaction, and I was taking my business to XXXX. Which I did, and I received cancelation confirmation emails from XXXX stating that I no longer had an account, since it was never used, there was no billing to owe them, so how this agency thinks they will collect anything is stupidity. It is causing me undue hardship, as it is affecting my credit score negatively, and they need to stop reporting and close the account immediately, or face legal consequences for attempting to collect a falsified debt.
Consumer complaint received 2024-09-04
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-14
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. (CA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Theres address listed I never lived there and also incorrect addressTHE ONLY ADDRESS SHOULD BE ON MY CREDIT FILE IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX