davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX   XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-07-09
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. (MD)

I spoke with a representative with XXXX XXXX XXXX an offered me a re-age program to pay {$93.00} a month on my XXXX credit card. My account wasn't past due. The representative stated I wouldn't be reported to the credit buero because I was offered a program to pay for 3 months the {$93.00} not my normal minimum payment. Well after paying the {$93.00} for 3 months, I was reported to the credit buero 30 days past due with no indication or notice I was late, after the representative told me I wouldn't be reported its was a safe program XXXX offered to help pay off you credit card balance. I spoke with XXXX  and they said they don't record there calls, and they would try to fix it. Well they reported me current for the next month, but the 30 points I lost on the score didn't return. I would like a apology for them misleading me and my score dropping 30 points at no fault of mine.
Consumer complaint received 2018-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

I just received an update from Experian on XX/XX/18 in reference to a dispute that I began processing in late XX/XX/2018 for a XXXX XXXX XXXX XXXX Account. Per the Fair Credit Reporting Act, The Experian credit reporting agency can not, under any circumstance, report information that I as the consumer have told them is inaccurate. The agency is behaving in a biased manner against myself and have greatly favored a paying debt collector over myself. After multiple efforts of Experian being unable to furnish an original written agreement and validation of the physical verification which would otherwise support their statements of the debt belonging to me, this credit agency continues to be in support of the debt collector and is willing to continue to be in violation of the Fair Credit Reporting Act. 

I have mentioned this same complaint to the agency on more than three previous occasions that the information is unverifiable and they are in violation of the FCRA sections 609, 611 & 623. Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post to my credit report. Per FCRA 611 ( 15 U.S.C. 1681 ) Experian continues to be in violation of the law. Also reference the FCRA section 623 ( a ) ( 1 ) ( C ) : Experian must also utilize reasonable procedures to assure principal accuracy of all information in my credit report 15 U.S.C. 1681e ( b ). Experian has yet to prove to me that this account is accurate valid and indeed belongs to me.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

XXXX  and Equifax are still reporting an old bankruptcy which by law shouldn't be on their due to the five items necessary to be on the 2012 bk are not being met. Under the law it does not have the required info to remain on my record.
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Today I received a letter from Citizens One stating that they were unable to process a scheduled payment for an XXXX loan and that within twenty days Citizens One will close the loan and have long term implications on my credit worthiness. I contacted Citizens One and the only information they could give me was that someone purchased an XXXX on XX/XX/17 using my information. This was over a year and a half ago and this was the first letter I received stating that someone used my identity and personal information to get a new phone. I spent over 45 minutes on the phone asking for information on where the phone was purchased, the type of phone and any other details to help me file a police report. Citizens One customer service ( fraud and billing ) could not provide me with any of that information and continued to treat me as if I opened the loan! This is completely ridiculous that Citizens One could do this and offer no assistance to me during a very troublesome time when I just learned that my information was used to open a loan. I should not be financially responsible for a loan that I certainly did not open and for a phone that I never received. My current cell phone is a phone my husband purchased over 3 years ago. I have an XXXX XXXXXXXX XXXX and under no circumstances was a loan opened. I do not want my credit affected by this fraudulent transaction and I ask that Citizens One fully investigate this matter and provide me with actual details.
Consumer complaint received 2017-08-15
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: Bread Financial Holdings, Inc. (FL)

I wanted to apply for a childrens place credit card and wanted to know why i have n't gotten a response. So I called the bank thats over the company when I called somebody answered i explained to her what happened she asked for my personal info to looked it up i have it to her she told me that i put my info wrong on app i she asked did I want to re apply i said no so today I checked my credit report and saw i had XXXX hard inquires from the company i called them back she said she could n't do anything about it and that I needed to call the credit agency i did they said i need to call the company i told them I already did they said to dispute it so here I am the first one happened XXXX XXXX, XXXX
Consumer complaint received 2018-07-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Recently we opted to turn in the keys to a home in North Carolina because we could no longer afford the home. Things were moving along and we have gotten everything out of the home and sent a letter to have Wells Fargo take over the home. We received an email stating there was a problem with the title being recorded in another county different from where thee home is located. Then we received an email stating that there was a document from the closing that had not been signed. We then learned we now have to sign all the documents from the initial settlement which was in XX/XX/XXXX. Then we were told the document were fromXX/XX/XXXX. This is all strange because inXX/XX/XXXX we requested a second mortgage for {$50000.00} what we got instead was a Home Equity Loan for {$120000.00}. When we learned of the mistake we wrote letters and complained that this was not what we wanted. Because of the HELOC we were stuck paying fees and interested when in fact if we had gotten the second mortgage in XX/XX/XXXX and our first mortgage was left as it was we would have paid off both loans by now. To now be told we need to sign " ALL ' documents from first this company it set out many red flags. 

We want the process to be over, however signing documents from over 10 years ago is cause to be alarmed. We are questing if the initial request for the second mortgage was a bate and switch. Therefore we want an investigation into this situation. 

Spoke to XXXX XXXX at Wells Fargo Headquarter his number is XXXX ex. XXXX And XXXX XXXX Wells Fargo Home Mortgage Default Servicing - Default Decisioning HL Liquidations XXXX XXXX Wells Fargo Home Mortgage - Liquidations WO and XXXX | XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX, IA XXXX XXXX XXXX XXXX ext # XXXX
Consumer complaint received 2018-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

In XX/XX/XXXX, Fifth Third Bank took over servicing of our mortgage loan for a property located in XXXX XXXX XXXX, XXXX. Fifth Third Bank contacted us for insurance information. We informed Fifth Third Bank that because we had just refinanced the mortgage within the year and insurance was validated in the mortgage process, the information was already in our file. We also warned Fifth Third Bank to not force-place insurance for the reason that the insurance was in force and was already in the servicing file. If in the transfer of servicing Fifth Third Bank 's file was incomplete, that is not our ( the consumer 's ) problem. Three separate telephone calls were made to Fifth Third Bank regarding the insurance. Today,XX/XX/XXXX, we received a letter dated XX/XX/XXXX stating insurance was force-placed on our property in the total amount of {$1600.00}. Today we called Fifth Third Bank stating for the FOURTH time that we already have insurance and that the insurance information is already in the servicing file. We notified the person on the telephone that we are prepared to sue and that we will be filing a formal complaint. This is that complaint, along with one we will file with the OCC. We will NOT pay the force-placed insurance. The failure to transfer servicing information is not our problem and should not be our inconvenience. Both of us ( owners ) are bankers by trade and one of us owns a mortgage company. We are well-aware that this is a servicing matter. The information on the XX/XX/XXXX notice is as follows : Fifth Third Bank, its successors and/or assigns, XXXX, XXXX XXXX  XXXX, XXXX, MN XXXX ; Account for XXXX XXXX XXXX, Account XXXX for property located at XXXX XXXX XXXX [ spelling corrected ], Unit XXXX, XXXX XXXX XXXX , SC XXXX. We contacted Fifth Third at approx. XXXX XXXX eastern time for the fourth contact today, XX/XX/XXXX. We supplied the insurance information today, despite the fact they already have the information in the loan file that is under one year old only because this is the FOURTH contact. This is their problem, not ours, but they made it our problem because they are lazy and/or inept.
Consumer complaint received 2018-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I called Customer Service on XX/XX/18 to pay my projected shortage in full, which was just a little over {$300.00}, that was the result of my new estimated property taxes. I requested to have my escrow reserve removed and escrow analyzed. The rep told me that she has not heard of having the reserve removed. I explained that it is allowed by RESPA within my security instrument not to exceed 16.6 % of the annual impound balance, but the reserve is not a mandate and is negotiable. The rep told me that her procedures show that the reserve can be removed for properties in TX but not other states, but that her procedure does not explain how to remove the escrow reserve. As such, the rep instructed me to submit my request in writing. I submitted an email request on XX/XX/2018 summarizing my experience with the Customer Service rep, and I requested to have my escrow reserve removed. It was not until today, XX/XX/18, that Wells Fargo finally made a decision to decline my request. Having to pay an additional {$2000.00} a year as a cushion is outrageous, and I would never have an insurance or tax installment increase that much in a single year. I am not even required to have an escrow account and only elected to have one to safeguard both my interest, as well as whoever ends up servicing my loan. This is causing my monthly payment to be an additional {$200.00} more than what it needs to be. I feel that I am being unfairly treated because I have one rep that says I can remove the reserve and another saying I can't. I have had five different servicers on other loans that have always removed the escrow reserve during a single telephone call without an issue. This is the most difficult experience I've ever had in requesting the removal of an escrow reserve. I am requesting to have my escrow reserve removed and have my escrow analyzed effective with my XX/XX/2018 monthly installment to maintain an affordable monthly payment and avoid any potential financial hardships in the future. Thank you.
Consumer complaint received 2018-07-06
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. (NJ)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 

I'm reporting this as an effort to clear my name.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

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.

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There are an accurate information on my credit report on the hard inquiries. I was a victim of identity, theft, and the year of 2022. I do not recognize These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as XXXX XXXX I did give permission for them to pull my credit one time. It seems that the credit bureau allowed XXXX XXXX to pull my credit several times I need this corrected and for them to be removed.
Consumer complaint received 2018-07-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OH)

I currently have an open Conventional first mortgage account with Wells Fargo, however they are reporting the account as paid and closed as of 2013. I am a co-signor on the note and show on the monthly mortgage statements. I have tried to dispute with the credit bureaus and Wells Fargo, but they continue to report the account closed. I would like the account to reflect accurately as open with a current balance and positive payment history.
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/18 I returned a previously purchased item back to the store ( XXXX XXXX XXXX ) with the expectation of having the funds returned to the Bluebird card that was utilized for the purchase, in the amount of {$44.00}. 

On XX/XX/18, I noticed that the {$44.00} was pending to be returned to my account, but for some reason the returned item said the return was " under review ''. I contacted the American Express Bluebird company to get an explanation of what " under review '' meant. The customer service representative stated that its under review because the monies had not yet been received from the store returning the monies. So I stated that its untrue that monies are waiting to be received, because XXXX XXXX XXXX confirmed that the monies was returned to my card on XX/XX/18. 

I asked to speak with a supervisor ( XXXX ) who again stated that my account says " under review '' because the monies had not yet been received. The supervisor stated that the money would not be released into my account until XX/XX/18. 

I asked the supervisor how could the money not be received when it's stated in the account activity. The supervisor stated that all she could tell me was that I will have the funds released on XX/XX/18. 

I have never experienced this scenario before with this company. Anytime my monies have been returned on a purchase, I had my money released to my account. 

The American Express Bluebird card company has not been helpful at all. 

In addition, in the past I have had to recoup monies from the company for ATM fees that were never supposed to be charged. The company is unethical in its practices, and they are holding onto my money after its already been released by the company.
Consumer complaint received 2018-07-09
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: PENTAGON FEDERAL CREDIT UNION (MD)

I spoke with a representative with penfed credit union an offered me a re-age program to pay {$93.00} a month on my penfed credit card. My account wasn't past due. The representative stated I wouldn't be reported to the credit buero because I was offered a program to pay for 3 months the {$93.00} not my normal minimum payment. Well after paying the {$93.00} for 3 months, I was reported to the credit buero 30 days past due with no indication or notice I was late, after the representative told me I wouldn't be reported its was a safe program penfed offered to help pay off you credit card balance. I spoke with penfed and they said they don't record there calls, and they would try to fix it. Well they reported me current for the next month, but the 30 points I lost on the score didn't return. I would like a apology for them misleading me and my score dropping 30 points at no fault of mine.
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP (GA)

Received a couple of calls in XX/XX/XXXX from XXXX and when I answer, no one is there. Did a XXXX search and read that it was a debt collector called capital management and that the call is set up to force you to call them back and then they'll ask for your personal info. They call almost daily now and I don't answer. I blocked the call, but my phone still shows that they called. I've never received anything in the mail stating that I owe any company money, so, I'm pretty sure this is a scam.