davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX, an unauthorized purchase was made at a Best Buy in XXXX XXXX, XXXX  The purchase made was for a XXXX XXXX and a XXXX XXXX I did not make this purchase. I live in a whole different state, XXXX XXXX. When I noticed this charge on my statement, I immediately reported it to Best Buy for fraud. They removed the {$2100.00} charge and noticed the change in my XX/XX/XXXX statement. However, the charge was put back on my account on my XX/XX/XXXX statement. I called Best Buy and they told me that their investigation concluded that there was no fraud and that I am responsible to pay for the charge. They said it was based on my response that my card was not lost or stolen. This is true, I did not lose my card or got it stolen. Which concerns me as to how this purchase was even made given that they did not have my card physically. Ive been dealing with this issue for over XXXX years and the interest is just piling up. I shouldnt have to pay for something I did not purchase. Ive been too busy to fight this but now I really need to handle this. Please assist.
Consumer complaint received 2022-11-07
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. (FL)

We have come to find out that our account was hacked and thieves have been making purchases through a virtual card which the bank allows them to use. These thieves have our personal information and anyone that had access to that can basically sign onto their system, set up a false virtual card number, and start making purchases. The bank even issues them a pin code. And they do not validate just assume it's us! WOW! Our bank accounts and limited credit cards, even though replaced, have experienced this!
Consumer complaint received 2024-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (GA)

Aldous and Associates started contacting me early in 2024, about a Gym membership for my son and me, that, I made several attempts to pay manually due to my debit card being compromised. 

On XX/XX/XXXX, I paid my son 's balance in full and set up a payment plan for my portion. 
( Supporting docs attached ) Even though I set up the payment plan, Aldous And Associates, has continued to harass me and send me emails regarding my card being declined, even though they were taking the money out of my bank account each month on the XXXX. 

On XX/XX/2024, Aldous & Associates PLLC reported an inaccurate collections account with a balance of {$220.00} to my credit report. ( the supporting documents will show the balance is incorrect ). 

On XX/XX/2024, this account should not have been reported to my credit profile because I was paying the company directly by setting up a payment plan, the balance reported is inaccurate. I have supporting documentation from your office stating that a payment plan was in place before the reporting date of XX/XX/2024. I also have supporting documentation stating that the balance reported on XX/XX/2024, is inaccurate. 

Please remove this inaccurate information from my credit profile immediately.
Consumer complaint received 2022-04-21
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. (CA)

I have contacted XXXX, XXXX XXXX, And experience regarding falls/wrong information on my credit report/file there is wrong information such as my name wrong addresses and also there are multiple inquiries and accounts that each credit bureau can not verify and will not remove.
Consumer complaint received 2022-04-21
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. (CA)

I have contacted Equifax, XXXX XXXX, And experience regarding falls/wrong information on my credit report/file there is wrong information such as my name wrong addresses and also there are multiple inquiries and accounts that each credit bureau can not verify and will not remove.
Consumer complaint received 2022-04-21
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. (TN)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 1. XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX 3. XXXX XXXX XXXX Balance : {$920.00} 4. XXXX XXXX XXXX Balance : {$0.00} 5. XXXX XXXX XXXX Balance : {$1000.00} 6. XXXX XXXX XXXX 7. XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX 8. XXXX XXXX XXXX XXXX, GA XXXX 9. XXXX XXXX XXXX Balance : {$920.00} 10. XXXX XXXX XXXX Balance : {$0.00} 11. XXXX XXXX XXXX Balance : {$1000.00} 12. XXXX, XXXX, XXXX 13. XXXX XXXX XXXX SPRINGS WY XXXX, TN XXXX 14. XXXX XXXX XXXX XXXX XXXX, GA XXXX 15. XXXX XXXX XXXX XXXX : {$0.00} 16. XXXX XXXX XXXX XXXX : {$1000.00}
Consumer complaint received 2022-04-21
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. (NC)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/20XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020
Consumer complaint received 2022-04-21
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. (TN)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

I have filed before, but this time a found the XXXX XXXX of my XXXX. 
They are removing you as servicer of the loan and reassigning the Deed of Trust. 
I have attached the Letter he sent me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX
Consumer complaint received 2021-08-27
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. (NC)

I have seriously been working on my credit score for the past 2 years with an exceptional payment record with no late payments or delinquencies getting my score up to XXXX with Expierien, At this point I felt ready to investigate my options for obtaining a mortgage to view properties. I opened an account with XXXX in XX/XX/XXXX and have been on autopay as all my accounts are and to my surprise i was notified by XXXX that i had a potentially negative report on my score, when i investigated it was XXXX XXXX XXXX saying i was 30 days delinquent, I called XXXX and they told me my account was at XXXX balance and i have {$1500.00} available credit! 
I reported to all 3 agencies my dispute and mailed also to them and XXXX. I did have a compromised bank card back in XX/XX/2020 and cancelled it out with the bank who put in place my new card and mailed me the physical card. All my other creditors and autopay payments went thru fine apart from XXXX who did not notify me at anytime that this occurred, so my XXXX is now at XXXX
Consumer complaint received 2023-10-20
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. (MD)

On XX/XX/23 I contacted XXXX and Transunion to have them remove all late payments showing on my consumer report because they are negatively impacting my credit. I informed the agencies representatives that I did not authorize this information to be on my report and under FCRA laws 15 USC 1681a paragraph 2 titled exclusions sub chapter ( a ) ( i ) states that transactions are not included in the consumer report. A late payment even though it may be negative is still a form of transactional history therefore this information reporting to my consumer report is a violation of this FCRA law. The representatives told me that they are not responsible for the information being reported and asked if I contacted the companies. I explained to the representatives that I did contact the companies and all of them explained to me that 60 days after an initial report they no longer report any information again and they cant do anything about those transactions showing on my consumer report. This information was given to the representatives by me and I was told that the only thing that can be done is to file a dispute against all transactions. The representatives made the dispute in the system and told me to wait no longer 30 days for the investigation and a decision. The results of the dispute was not in my favor. This is a clear violation of my rights and I would like this issue resolved immediately.
Consumer complaint received 2022-10-14
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXX Date Opened : XXXX XXXX, 2006 Balance {$8100.00}
Consumer complaint received 2022-04-21
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. (NC)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020
Consumer complaint received 2022-04-21
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. (NC)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX  Inquiry Date XX/XX/2020 XXXX XXXX XXXX  Inquiry Date XX/XX/2020
Consumer complaint received 2019-06-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo mortgage has acted in bad faith numerous times against me and my family. 
For starters, and while under Chapter XXXX protection in XX/XX/XXXX, we advised Wells Fargo that we intended to keep the property and it is our main residence ; in turn WF sent unidentified individuals to invade the property with the intention to break into the house and change the locks, which is their practice. One of them was caught peeping on my sister 's window which scared and terrorize her to the point of moving out, therefore increasing my financial burden as I became the only one paying for the mortgage. Not content with terrorizing my sister, they've sent another goon, few days later, only this time, I caught the guy climbing my backyard fence with some sort of weapon or prying tool in his hand ; he was forced under the threat of arrest to surrender the work document issued by WF ordering him to invade the property, even at the risk of injury or death. The third invader sent by WF was stopped in the driveway and he threatened me, I did called the police but the perpetrators always ran before the police arrived. That much stress has created XXXX on me, I can never feel safe on my house ( all my doors and windows have been blocked ) thanks to the WF mob. My most recent problem with WF was initiated by a letter requesting me to send a signed document to activate the Dodd-Frank bill which will  put {$5000.00} towards my principal ... As you can imagine WF has stalled and refused to apply any of the incentives, and they refused  to so today XX/XX/XXXX. WF has acted in bad faith from the start, and I am left with no choice but to sue them for bad faith practices against me, terrorizing my family and me and refusing to provide the relief that Dodd Frank  stipulates under the HAMP modification. I am no longer talking to the WF mob, these people are being sued nation wide for bad practices, and I refuse to become one of their victims, as far as I am concerned, I am suing Wells Fargo for damages, pain and suffering, XXXX  as a result of the violent encounters they initiated and I sincerely hope this gets a hold in the media, so they can be exposed, penalized and dissolved : Wells Fargo is the worst denominator of banking institutions, their mortgage division needs to be investigated and cleaned up. PS I know you WF operatives will receive a copy of this letter, your  mortgage division committed crimes against me and if you think sending me letters to state that you have done nothing wrong will clear you of any wrong doing, I have news for you, what you did to me and my family will not go uncontested, even if it takes 20 years, I will expose your criminal practices and I will fight you in court until you suffer enough financial pain for what you have done to my family and many other American families.
Consumer complaint received 2022-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I pulled my personal credit report from XXXX and XXXX there are unauthorized hard inquiries that is affecting my credit score and credit record tremendously in a very detrimental manner I can't get a loan for my son 's college its had to obtain a loan to purchase a home for my family I have contacted these companies to no avail XXXX XXXX CAP1 XXXX XXXX XXXX XXXX CAP1 XXXX CAP1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP1 XXXX CAP1/SAKS XXXX CAP1/NEIM XXXX XXXX XXXX CAP1 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted XXXX, Trans Union, And XXXX  regarding falls/wrong information on my credit report/file there is wrong information such as my name wrong addresses and also there are multiple inquiries and accounts that each credit bureau can not verify and will not remove.
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (MD)

This company is trying to collect on a debt i do not owe and also i dont have a written agreement with them stating i will pay them. XXXX  never loaned me anything. Also this company is violating Federal law by violating 15 USC 1692C ( a ) i never gave them consent to contact me, also 15 USC 1692b ( b ) stating that the consumer owes a debt, 15 USC 1692d ( 2 ) by using obscene language towards me and 15 USC 1692e ( A )
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (OR)

Problems with my account on the website. 
Autopay is set to pay an amount greater than the Account Balance. 
I had many failed attempts to change autopay to : statement balance. 
After removing autopay, I had multiple failed attempts to set up autopay to : statement balance. 
While making a one-time payment of {$120.00} to pay the full balance, the transactions frequency was described as MONTHLY. 

All three ExtendPay plans have a {$0.00} Principal remaining. ( in other words, they are not active ). They were paid off early. 

U.S. Bank ExtendPay screen says ExtendPay is not available.

While trying to set up autopay, set up autopay screen states, You have an ExtendPay. 
Trying to set up autopay results in : Spinning icon : Loading your Experience, Screen disappears. Autopay is not on the dashboard.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I have complained several times about a bank loan on my credit report. I lost my job during covid and was unemployed for over a year. I called to make payments with the bank as they were still listed on my credit report. However, they informed me that they charged this off over a year ago. I then called the number of the 3rd party that bought the debt, but to no response. 
I've asked Experian to take the charge off from XXXX but they never called them to verify that XXXX sold the debt and charged it off. It still remains on my credit report for XXXX unpaid months. In summary .... 
XXXX charged off my debt to another party. 
Experian keeps reporting monthly that it's been late ( Now counting over XXXX times ). 
Experian has not investigated this matter. If they did, they would realize that the bank they are quoting as late payments charged off my debt over a year ago. 
I've written and called Experian several times, but they do not listen or do anything. Pathetic. 
Thank you for your help.
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC (VA)

The Receivable Management Services LLC, contacted me by phone everyday on behalf of the creditor XXXX for the amount of {$120.00}. When the representatives called me, I told RMS I don't have any funds at that time to pay. RMS stated they would note my account, but could not " stop the calls '', and it would be reported to the credit bureaus, in which they reported it to XXXX, XXXX and XXXX ruining my credit. RMS kept calling against my agreements. 
I was finally able to pay off the debt through their online payment portal. After I paid off the debt, I was not emailed or able to print out a receipt. Fournately, I was able to screenshot my payment as backup. I assumed the error of not being emailed or the option to print out my receipt was a system glitch. I called RMS customer support and was told by a representative that I would not be given a recepit, but it will be mailed to me in two weeks. I told her that wasn't true because her statements were not indicated on the RMS payment terms and agreements. As of XX/XX/2022, I have no receipt and RMS locked my account so I am not able to get into the account at all.