davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (FL)

Best regard The following complaint is to denounce the Home Depot Company with which I have a credit card with zero interest payment for one year.

But at the end of the year, they have decided to charge me all the interest from the previous months with a value of {$1000.00} in the month of XX/XX/XXXX. 
I started using it on XX/XX/XXXX with a value of {$3400.00} and never used it again. 
For a year and I have paid {$690.00} for which the debt should be {$2700.00} = ( {$3400.00} - {$690.00} ) and according to what is stipulated they should be charging me an interest between a rate of 17.99 % and 26.99 % per year which would be between a 1.49 % and 2.24 % monthly approximately. 
This would be using the highest monthly rate as an example. 
XXXX {$2700.00} + 2.24 % ( {$2700.00} ) ===> {$2700.00} + XXXX = {$2800.00} ... ... ... ... ... ... ... ... ... ...... 
XXXX {$2800.00} + 2.24 % ( {$2800.00} ) ===> {$2800.00} + XXXX = {$2800.00} In short, what should really be in the balance as of today XXXX XX/XX/XXXX on the Home Depot credit card is {$2800.00} and not what they intend to charge me as of today, which is {$3800.00}.
Consumer complaint received 2023-07-30
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: EQUIFAX, INC. (FL)

On XX/XX/2023, I pulled my credit report and saw a long list of inquiries that I did not initiate. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In generals. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no others : ( F ) otherwise has a legitimate business needed for the informations ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraphs ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. The hard and soft inquiries noted in the attached credit report are unauthorized. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identifications of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer
Consumer complaint received 2023-07-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2016-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

the listed personal information is incorrect and needs to be removed and changed. 

The information on CDL is current and correct. 
and my employer is self employed at XXXX XXXX XXXX XXXX XXXX ca XXXX
Consumer complaint received 2023-02-16
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. (OH)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
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  Balance : {$2000.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$5400.00} ; XXXX XXXXBalance : {$1100.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$3000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference 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 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
Consumer complaint received 2021-09-15
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. (CA)

i've been trying to fix this simple problem with the credit bureaus, i am a XXXX, and the credit bureaus have negative information in my file, that belongs to someone who is not a XXXX. I know i have a very common XXXX surname, which has gotten me involved withe courts once, but do not fill that a XXXX XXXX, and me a XXXX, should be mixed up. I have written them before and they have refused, to delete this information, please advise
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

XX/XX/2022 my account was closed without any notification because my account was charged the XXXX fee for having the account and there was only XXXX in the account so they just automatically closed it and I've had the account for 13 years and anytime the fee is charged next time you add money ot takes the balance off instead of just closing without notice or notice that the debt needed to be paid I called and they said oh well its our new policy and the new policy was never mailed to me
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (IL)

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. 

I told the XXXX and XXXX, to reinvestigate this account : Account name : western Funding Account name XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-02-06
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: EQUIFAX, INC. (MI)

After finding several discrepancies on my credit report, I sent a certified letter to on XX/XX/2023 and listed the accounts that were in questioned. I requested that they please fully validate the reported information and remove anything that they could not provide signed, original contracts for. 
Equifax never responded ( no email/call ) and verified the disputed accounts and the accounts remained on my report. 

On XX/XX/2023, I sent Equifax another certified letter stating that I previously sent a letter asking them again to provide original contracts of the disputed items. I asked to please DELETE any accounts that they could not provide original contracts for. 
On XX/XX/2023, Equifax respond via mail stating that the disputed files were update. However, the files were not updated and all disputed accounts still remain on my credit report and have not been fully updated.
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX and I'm contacting you to report that the following accounts and inquiries are not mine and I have been a victim of identity theft. I have listed on a separate document that I will upload all of the accounts reported that do not belong to me. I need these accounts deleted from my report as soon as possible because I am not responsible for these charges. I reported the identity theft to the Federal Trade Commission FTC and have copies of the FTC Affidavit and they need to be deleted IMMEDIATELY.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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 XXXXXXXX has violated my rights. Or 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I sent a letter to Equifax requesting the all documents and the removal of this information under " Public Record ''. The company refused to comply. They sent a letter stating that they did not have to verify anything because it is public record.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have a credit inquiry on my credit report for XXXX dated XXXX XXXX, 2016. I was notified by XXXX XXXX about the inquiry so I immediately called XXXX on XXXX XXXX, 2016 and told them this was fraudulent. I checked my credit XXXX/XXXX/2016 and I have inquires on my report for both XXXX XXXX and XXXX XXXX, 2016. I was told they would do a review and remove from my credit report but instead I have another inquiry on there for the day ( XXXX XXXX ) that I reported it as fraudulent. Can you please help me to understand why this has not been corrected?
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-02
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. (CA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There are three accounts on my XXXX, XXXX, and Transunion report that needs to be removed because they are aged past the 7 years it is supposed to be reporting on my credit report and they are all reporting inaccurately. Please remove. 

XXXX - XXXX **** USDOE/XXXX - XXXX US DEPT OF EDU - XXXX
Consumer complaint received 2023-01-13
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. (OH)

I have an account reporting on my credit file that is not mine. I have disputed the account with XXXX XXXX and EQUIFAX. Please investigate and remove the items. Both XXXX XXXX and EQUIFAX are violating : FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Upon investigating I found a number of falsely reported inquiries. I did not give the bureaus permission to give away my information to the companies on the dates started. Yet somehow by their placement of them on my credit repot they are considered verified without them having ever verified their validity or getting consent from me.
Consumer complaint received 2023-02-02
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 DEPT OF ED XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

I am retired ( XXXX ) and living in XXXX. I moved from XXXX, CA over 3 years ago ( XX/XX/XXXX ) after living there for 28 years. All bills were paid including my cable bill ( equipment also returned XXXX to XXXX at their XXXX Connection location. A month ago I received a collection notice XXXX XXXX. XXXX ) from ERC XXXX Enhanced Recovery Company ), XXXX, XXXX, FL XXXX stating that I owe XXXX {$230.00}. They threaten me with reporting to Credit Bureau. I called ERC on XX/XX/XXXX and told them I do not owe XXXX any amount of money.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

BOA closed both of my checking accounts with no explanation and after several money transactions that were made in my account not by me. I've had numerous overdraft fees as well. I applied for a Hardship assistance on XX/XX/XXXX to get my balance out of my account. I have over {$2400.00} in my account. Due to this unfortunate situation, I have been summons to court because I have not been able to pay my rent on time due to the withholding of funds from Bank of America.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

There was a checking account and savings with bank of america opened fraudulently on XX/XX/XXXX with my personal information. The checking account was closed with a negative balance of XXXX on XX/XX/XXXX the savings account was closed with a negative balance of XXXX on XX/XX/XXXX. There was also another checking account opened with bank of america on XX/XX/XXXX and closed on XX/XX/XXXX that is reporting on my XXXX XXXX  consumer report and the information is inaccurate the name does no match mine and the Social Security number does not match mine either. I only found out about this issue when I tried to open up a checking account and was unable to and was informed of the negative info on my XXXX  and XXXX XXXX  consumer reports. I have reached out to the financial institutions to resolve the issue but they have not been willing to help even though I have made them aware that the accounts reporting negatively on consumer reports are a result of fraud but they have not removed them from my report.
Consumer complaint received 2024-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Servion, Inc. (WI)

On XX/XX/2024 I called Servion to discuss removal of my escrow account and PMI as I am able to make the payment necessary to get under the 80 % LTV and want to I discuss the process and exact amount required. I asked for a call back, not in any rush to do this. What I got back was an email from XXXX XXXX full of my Private and Confidential data. So much of my Private and Confidential data was sent to me in an insecure email which I did not initiate or request. The information in the email includes two paragraphs of typed text including my balance amounts, PMI amounts, LTV amounts, escrow account. There is also two images of their internal system displaying many fields of my Private and Confidential information including account balance, LTV amounts, program qualification flags, curtailment amounts, payment counters, missed payment/ on time payments counters, escrow cancellation dates, loan number, mortgage insurer identifiers and XXXX 

They got my loan number as the subject of the email they sent. 

I have been a victim of identity theft in the past and I am extremely disappointed in seeing this mortgage servicer handle my Private and Confidential data in this manner. Email is not a secure means to send and receive this type of data and shocking to me it was sent without my request or consent. ( Or that even they consider this an option to begin with ) I called into Servion XX/XX/2024 to complain about this, I spoke to XXXX XXXX. He told me this was normal and not to be concerned, he does it all the time with other customers data. I reminded XXXX that just last year Servion sent out letters about mishandling our data and a subsequent data breach. XXXX was quick to take no responsibility or accountability on behalf of Servion in that data breach. 

I can only hope someone with some sense and responsibility gets this message and provide/require the related 20 minute typical instructional video to their staff on how to correctly handle Private and Confidential user data. 

Even still now, after asking them to stop this and pointing out what bad practice this is, they are still XXXX ( sending copies, replying, forwarding ) of this email in question, trying to follow up with me, copying other people on their team, all in an email with my Private and Confidential information exposed. 

Its XXXX for crying out loud.