davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

I received a collection letter on XX/XX/2020 from ERC, XXXX. XXXX   XXXX, XXXX  XXXX, XXXX, PA XXXX and mailing address ERC, XXXX. XXXX XXXX, XXXX, FL XXXX stating that I had an unpaid balance with XXXX XXXX XXXX XXXX in the amount of {$630.00}. The letter was dated XX/XX/2020. 

The letter included payment options, a payment stub, and return envelope. The account number listed is XXXX and reference number, XXXX. The letter states that " This serves as a notice to you the ERC has been authorized to report your delinquent account to the national credit bureaus when allowed by applicable law. '' The letter has my name and address, but I have never had an account with XXXX XXXX XXXX XXXX. I called the toll-free number XXXX on XX/XX/2020 at XXXX and talked with a representative to ask why I had received this. The rep asked me to verify my name and address and last four digits of my SSN. I told him that I would give my name and address because they were on the letter but not my SSN. He then said  that he would read to me the SSN that ERC has on file with this reference number and asked if I could verify. The numbers he shared were not mine and I told him so. He then said that I could disregard the letter because I was not this person. I asked what I needed to do next because my name and address are tied with this account and he told me again to just disregard. Because of this, I have now been placed in the position of questioning whether or not this account will be reported as mine with national credit bureaus and will have to monitor for some months.
Consumer complaint received 2020-04-14
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: Experian Information Solutions Inc. (CA)

I have been trying to rent an apartment and today XX/XX/20 I applied at XXXX XXXX  and I was told that I did not qualify to rent there due to having negative accounts appearing on my credit report. I was shocked to hear this since I have always made it a priority to stay on top of my payments in order to maintain good credit. I looked through my credit report myself and saw several accounts that do not belong to me. There are over ten accounts on my credit report that were opened without my permission. I have no idea who stole my personal information to open these accounts but I have already reported it to the police as well as filed a complaint with the Consumer Financial Protection Bureau. I did not benefit anything from these accounts nor did I contribute to any payments or purchases made.
Consumer complaint received 2020-06-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've sent letters out certified over 60 days ago and have not been notified. as a consumer i feel like these predators are taking advantage of normal people
Consumer complaint received 2020-04-14
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 have been trying to rent an apartment and today XX/XX/20 I applied at XXXX apartments and I was told that I did not qualify to rent there due to having negative accounts appearing on my credit report. I was shocked to hear this since I have always made it a priority to stay on top of my payments in order to maintain good credit. I looked through my credit report myself and saw several accounts that do not belong to me. There are over ten accounts on my credit report that were opened without my permission. I have no idea who stole my personal information to open these accounts but I have already reported it to the police as well as filed a complaint with the Consumer Financial Protection Bureau. I did not benefit anything from these accounts nor did I contribute to any payments or purchases made.
Consumer complaint received 2020-04-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC (GA)

Harvard Collection Services placed a debt for {$660.00} for what appears to be a medical debt. I never received any notice of documentation that supports that I owe this debt. I'm asking to see and original contract & XXXX release form with my signature verifying this alleged debt. If they can not provide this debt, it shall be deleted from all 3 credit reporting agencies.
Consumer complaint received 2020-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

In XXXX XXXX response on XXXX, XXXX to my request submitted in XXXX he does not supply the info i requested : on XX/XX/XXXX i rec 'd a statement dated XX/XX/XXXX with a reinstatement fee of {$40000.00} they refuse to give a breakdown of how that fee is calculated i have asked in the past for a explanation of escrow balance late charge balance XXXX XXXX XXXX unapplied funds but they refuse which is a violation of the CFPB instead he sends a copy of my mortgage and states i can contact them by phone or send a letter, well if you refuse to respond to my letters i have to use CFPB to request the info, and as shown in your response you still refuse to supply the information
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had a horrible year dealing with Bank of America 's negligent behavior. Regardless of my income level, I am still a client of theirs and their treatment of me was horrendous. When I tried opening a business account, the representative in charge of this at the bank incorrectly entered my EIN number and I'm lucky to have caught it. This representative asked me what the difference between an LLC and XXXX is and she asked me what an LLC was. She also gave me incorrect information about adding a person to the account, stating they do not have to be present with me in person but can go to a BoA account in their state. This information was incorrect. 

Last year, their debit cards stopped working nationwide and they never addressed it to their customers nor did they ever apologize for it. I wasn't able to access my account via my card for a whole day and when I arrived at a physical location, I heard tellers accuse their customers that they were lying about the debit cards not working. 

I had a representative on the phone yell at me and tell me that " I clearly don't know how banking works '' and insinuate that I was stupid. 

Their fees are awful. If my personal account would overdraft by a dollar, I wouldn't be aware of it until the next day when I would wake up to overdraft fees. The e-mail notifications would hit my inbox at XXXX XXXX  and I was asleep and wasn't aware. 

They do not communicate properly with me. 

I am a small business owner and use XXXX. XXXX takes approximately two days to deposit funds into my account. They weren't forgiving at all and wouldn't help me override overdraft fees. By the time I had funds deposit into my account, on that same very day, it would go overdraft again because of their overdraft fees. I could never win with them. 

The worst part about it is that they are currently closing my account without having sent an e-mail or a notification. That account is the one linked to the IRS and it would have been where I would receive the stimulus check. I tried to ask them to stop the process but they wouldn't. I wish they would have informed me when they would start to close the account because I would have deposited money to keep it open. I already filed my 2019 taxes so the IRS may mail me a check but it's just awful because it will take longer than just having it direct deposited into my account. The online teller was surprised that I didn't receive a notification. 

This bank is by far one of the worst banks I've ever had an account with. I will never do business with them again. I was warned by friends not to open an account with them years ago and I should have listened to them.
Consumer complaint received 2020-04-14
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. (CO)

My credit history age has been consistently low for the entire time I've had credit. I have credit cards and auto loans for 10+ years, yet me credit age consistently says it's only 1-3 years old. This affects my score and at times has affected my ability to get loans.
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

I applied for credit and was told by XXXX XXXX that my credit score was XXXX on XXXX XXXX, 2016 and that is not true, How should Equifax correct this error with XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

ACCOUNT NAME : XXXX. This company is in direct violation of the FCRA with the inaccurate information being furnished to the credit bureaus. This company does NOT have my consent to furnish these accounts to any third party including credit bureaus. This account has many inaccuracies including ; original balances not matching, credit limit not matching, there is NO account number listed, the account type listed, past due amount does not match on any of the credit bureaus. I want this account removed immediately!
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (OR)

We currently hold a mortgage with Citibank. On XX/XX/XXXX, my husband and I contacted Citibank about refinancing our current mortgage that they hold. We were quoted a rate of 4 percent for a jumbo with cash out. We answered all of the questions including the ones on race, both my husband and I are minorities. We then got a call back saying that my husband had a credit score of XXXX from XXXX, XXXX XXXX and XXXX So Citibank wanted to charge us an 1/8 more and a quarter point extra in fees. On XXXX we received my husband 's credit scores from Citibank. He had a XXXX This surprised us so we went to XXXX and requested his scores and they were over 740. We checked with the other credit reporting agencies and could not find a score that low. Based on our request my husband had scores of XXXX, XXXX and XXXX. I contacted Citibank several times but did not hear back from the rep assigned to us, XXXX XXXX until today XXXX, where he told me that the rates was because my husband s credit score was low but I told him that we couldn't get the credit reporting agency to corroborate what he was saying as the basis for raising our rate. I asked to file an internal complaint, he said he would do that. I asked for contact information and he hung up on me.
Consumer complaint received 2020-06-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Risecredit, LLC (SC)

They called my work several times after being told no to do so. I work in XXXX XXXX XXXX, those phone calls are not allowed. I was told to not have them call again or else.They called relatives and friends to find out my location. I have elderly parents who get 2 to 3 calls a week from them.The amount owed is double the loan amount according to them. During a call to they suggested legal action was going to be taken, such as a court case with my local magistrate. They also left messages on voice mails stating that I was a debtor. I received several calls on Sunday, throughout the day, and from non business related numbers. I have disputed the debt with credit agencies and through their website. I have never gotten any accounting statement of the amount of the alleged debt.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (DE)

I have a Citi Double Cash mastercard. Per Citi, the interest rate for purchases is 15.995 %. I mistakenly underpaid my XXXX statement by {$20.00}. I was charged {$22.00} in interest for this {$20.00} mistake on my XXXX statement. I called Citi to ask about the {$22.00} interest charge and they pointed out my {$20.00} mistake and agreed to remove the interest charge. I also then immediately paid {$100.00} to the Citi account to cover the {$20.00} shortage, and to make sure that any interest would stop accruing. I also paid my XXXX statement in full a week later ( before the due date ), then also received a vendor refund for {$210.00} before the XXXX statement due date, effectively meaning that my credit card account was overpaid ( i.e. the combination of my payments and vendor refunds was more than I owed to Citi. ) Yet, in my XXXX card statement, Citi charged another {$63.00} in interest charges. Citi representatives say that this is additional interest accruing on the {$20.00} underpayment from XXXX ; the representative says that even if the account is paid in full, Citi continues to charge interest for at least two additional months!. Citi refused to remove this interest charge. By my math, the two interest charges amount to more than a 2,500 % interest rate on the {$20.00} underpayment ( vs the purported 15.995 %, plus Citi 's initial claim that they would remove the interest from my account as I made a small mistake. ) It is criminal and/or unethical that Citi 's interest charges amount to >2,500 % annual rates, and that Citi continues to accrue interest for at least two months even after the account is paid in full!
Consumer complaint received 2020-08-04
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. (GA)

I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amounts of the accounts on my report that I know do not belong to me. XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), There are also inquires that were not authorized by me : XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX and XXXX XXXX XXXX | XX/XX/XXXX. I have contact the FTC and local police and doing this on my own behalf. Please remove these items off my credit report.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

I have on numerous occasions asked, requested, and demanded that the 3 major reporting credit agencies Remove any and all fraud alerts and statements attached to my credit profile. Seemingly that the credit agencies has somehow over looked my request, Im now filing an official complaint and re requesting that the 3 major credit bureaus, ( XXXX, XXXX, and Equifax ) Remove All Fraud Alerts and Statements from my credit profile.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

I have on numerous occasions asked, requested, and demanded that the 3 major reporting credit agencies Remove any and all fraud alerts and statements attached to my credit profile. Seemingly that the credit agencies has somehow over looked my request, Im now filing an official complaint and re requesting that the 3 major credit bureaus, ( XXXX, Experian, and XXXX ) Remove All Fraud Alerts and Statements from my credit profile.
Consumer complaint received 2021-01-12
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. (NJ)

To whom it may concern was looking at my credit report and recently noticed something that is in there that is 100 % inaccurate and not mine. XXXX XXXX is saying something abuot some collections from XXXX XXXX XXXX XXXX  which i have no knowledge of and was never authorized by me. No one has ever contacted me and i never owed XXXX XXXX XXXX XXXX any money any time i dealt with them in my life. To the best of my knowledge this is fraud because i never signed anything with XXXX XXXX XXXX for XXXX dollars. I did not authorize this. I tried to call them and got no straight answers. The collections company said you and XXXX XXXX XXXX XXXX couldn't give a direct answer they weren't sure. I asked them to remove from my credit file and they said they couldn't. Thats why I am coming here since you guys are fair and I am within my rights to fight against inaccurate information due to the fair credit reporting act.
Consumer complaint received 2020-08-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (TN)

I entered Mariner finance on XXXX XXXX on XX/XX/2020 to get approved for a loan. I was told by XXXX XXXX that I was approved for XXXX $ only and after showing good credit I could then be eligible for an increase of credit. I was given a XXXX Dollar check that was written off of XXXX   XXXX XXXX at the time which is now XXXX XXXX I took the check and cashed it I still have the check stubb from that transaction. I have continued to make payments without really looking over the contract. Recently my credit was ran and I see that my original payoff balance for mariner finance is XXXX which had me raise an eyebrow bc i only borrowed XXXX $ so how am i paying back XXXX on a XXXX $ loan. At this point things were not making much since I then pulled my contracts to carefully read over them. At which point I seen That i was financed for XXXX and i should have recieved 3 checks total, one in the amount of XXXX one in the amount of XXXX and one for XXXX. I was never given the other 2 checks. With that being said I would like the checks traced and find out who signed my name on the checks because I did not. When I was aware of what happened I tried to reach out to their corporate office about the issue they told me there was nothing they could do I could reach out to the store manager about the issue. I do not feel comfortable resolving the issue with the store manager for the shear fact its a conflict of interest and i do not want anyone trying to cover up what has been done! I myself work in the lending industry and am aware that this behavior is unlawful and is considered fraud. I have copies of my contract, check stubb, and pay history available if needed.
Consumer complaint received 2023-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Sir/Madam, I am writing to file a formal dispute regarding several fraudulent hard inquiries that have appeared on my TransUnion credit report. As a victim of identity theft, I request your immediate attention and assistance in removing these unauthorized inquiries from my credit history. I believe it is crucial to address this matter promptly to protect my rights and restore the accuracy and integrity of my credit report. 

I have recently reviewed my credit report from TransUnion and discovered the following fraudulent hard inquiries : 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 XXXX XXXX  These inquiries were made without my knowledge or consent, and I firmly believe that they are the result of identity theft. As a diligent and responsible consumer, I have always maintained a vigilant approach towards monitoring my credit report. However, due to the sophisticated nature of this fraudulent activity, I regretfully admit that I did not notice these inquiries until recently. 

According to the Fair Credit Reporting Act ( FCRA ), as a victim of identity theft, I have certain rights and protections. Section 1681g ( e ) ( 3 ) ( B ) of the FCRA clearly states that when a consumer disputes the accuracy or completeness of information in their credit file due to identity theft, the consumer reporting agency must block the disputed information from their credit report within four business days of receiving the dispute.

I kindly request that the Consumer Financial Protection Bureau initiates an investigation into this matter and ensures that the aforementioned fraudulent hard inquiries are promptly removed from my TransUnion credit report. By doing so, you will not only be upholding the law but also protecting my rights as a victim of identity theft.

I appreciate your prompt attention to this matter and request that you provide me with written confirmation once the fraudulent inquiries have been successfully removed from my credit report. Furthermore, I kindly ask that you provide me with a copy of the updated credit report after the necessary corrections have been made.

Please feel free to contact me if any further information is required from my end. I look forward to your assistance and resolution of this matter in a timely manner. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020