davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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. (WI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I have been trying to get my two co-signers released for the past 10 years eventhoug I was doing all the right things. some of the reasons they denied to release my co-signers was, when sallimae transferred my accout to Navient " some of my loans fall off from the auto pay so it disrupt the requirement of 12 consecutive payments to release co-signer '' ; eventhough that was their fault. Second, one of the many agent I spoke to stated that the payment plan that I was place on doesn't allow co-signers to be released when actually that payment plan was offered by an agent who stated that it is the required payment plan to release co-signers. when i increased by payment plan. Because of the increased monthly payment I started strugging financially and started maxing out on my credit cards. I call navient again to ask other options and discuss my struggles to make the payment that was a required plan to release my co-signers. the agent I spoke to stated that " I don't know why your payment was increased, your payment plan before was required payment plan ''. the other reason was my " credit score was not in the accaptable range to release cosigners ''. How can a person maintain a good credit score when making a student loan payment more that a rent. I am not in good terms with my co-signers, they have a lot of resentments toward me and I don't blame them. One thing for sure though, If I new this would have happened to me, I would have not gone to college.
Consumer complaint received 2022-11-11
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. (SC)

I've sent numerous letters ( from XXXX XXXX ) asking them to investigate several accounts on my credit report. They came back as verified and when I pulled the updated copy of my report it still showed numerous inaccuracies. If, after any reinvestigation under paragraph ( XXXX ) 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2022-02-20
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. (MI)

I XXXX XXXX, natural person and consumer have been a victim of unfair practices by consumer reporting agencies as they are reporting information that is not validated on my consumer report. This has caused me XXXX XXXX, embarrassment and has been a defamation of character.
Consumer complaint received 2024-01-03
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX i went to purchase goods at the store and was declined payment 3x. I checked my bank to discover - {$1300.00}. I called the bank as i saw a charge from home depot for {$1000.00} and then a 2nd charge of {$1500.00} which put me under. 

I checked my home depot account and found that no purchases were made online or in store. 

I returned home and called the bank ( XXXX XXXX to report fraud ( case XXXX )XXXX XXXX stated my card was fine, as home depot used my bank account and routing number to take payment. I am still awaiting funds to be returned to my bank account I contacted home depot to explain and they opened a case ( XXXX ) and they too were puzzled by the fact someone was able to use the check account/routing number to process payment. it later dawned on me to check the home depot consumer credit card account that is linked within my home depot app. 

i used my Home Depot consumer CC in store, made purchases on XXXX XXXX XXXX, then paid the balance end of XXXX. Sometime in XXXX, somebody accessed my home depot account, which links my consumer credit card. the criminal changed the address to a XXXX XXXX  address, submitted for a new card, made purchases and returns across TX and MD, got a new card and repeat to present day. 

Through XXXXXXXX XXXX XXXX there are new cards issued ( i still have the original ) and Citi ( issuing bank ) allowed my address and email to be changed frequently and sent new cards to XXXX and other states allowing the criminals to continue to commit the fraud. 

It remained undetected, as they would charge in a store and refund in another, some of these happened on the same day across 2 different states. These are all detailed within my attachment. 

XX/XX/XXXX, a charge of {$2800.00} was made in XXXXXXXX XXXX and then they called in a payment of {$1000.00} on XX/XX/XXXX followed by a phone payment on XX/XX/XXXX for {$1500.00} as my bank account is my payment method for my card. The XXXX put me in overdraft, negative balance My XXXX statement shows an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX when i logged into the cc account, the address was listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In XXXX, they changed my card to XXXX, followed by XXXX, and they called Citi to issue a new card on XX/XX/XXXX where the last XXXX getting ready to ship XXXX. Citi gave case XXXX, but i was instructed to call citi fraud, which i was unable to do due to the dept having select hours I have not received my funds from XXXX, Home depot can't see the transactions, and Citi is absolutely ridiculous for not catching several purchases, refunds, card changes, address changes and email changes on the account. Somebody needs to be held accountable and hopefully there is enough of a trail to prosecute
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (TX)

Received letter from XXXX XXXX offering an amount to settle account. The letter states your account will be considered " Settled in Full '' Once I paid the debt my credit report updated to " Settled - less than full balance ''. I believe that is very deceptive and misleading. It appears as if your debt will be considered settled in full however it is stating you settled for less. This was never stated in the letter or phone call.
Consumer complaint received 2022-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

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 : Portfolio Recovery Associates, Account num : XXXX, has violated my rights. 
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. 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. 

i have sent XXXX, XXXX XXXX XXXX my FTC Identity Theft Report as of XX/XX/XXXX and i have disputed with this company through XXXX, XXXX XXXX XXXX on numerous information proofing countless times that the information they are reporting is false and each time they change the information specified while reporting a new false information not specified and is operating in a unlawful manner that is violating my rights.
Consumer complaint received 2023-02-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (TX)

A company called Halsted Financial Services LLC has been calling my number everyday for several months now. I have never received any sort of correspondence from them regarding the nature of their call. I don't answer their calls. I don't know who this company is. I have never done any business with them.
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I have a Wells Fargo Mortgage and I setup payment through there website where they automatically withdraw the payments every XXXX week plus additional funds towards the principal. What I noticed is that they dont apply the payment at the time of withdrawal, they put it in unapplied funds and when they get the second payment, they apply the funds. I contact them and they said this is their policy. I received a letter from them explaining the process see enclosed attachment. There are some fundamental mis-statements in their letter. 
1. We can conform that the benefits of the Bi-weekly payment option is that you do not incur additional interest while the funds remain in the unapplied funds account. This whole section in the letter is a complete lie, if I call them and ask them what the payoff is on the mortgage it changes daily based on the interest owed. This contradicts what they are claiming in the letter. 
2. They go on to state The date the payment is received or applied is not a factor in the amount of principal and interest due each month. This is clear not correct see enclosed document tips to pay off your mortgage faster from Wells Fargo it clearly lays out the interest savings by paying Bi-weekly. The letter provided by Wells Fargo contradicts their very own website enticing people to setup bi-weekly payments to save interest. Enclosed is the link to the document in Wells Fargo site XXXX XXXX XXXX XXXX. They claim in the letter that I was aware when setting up Bi-weekly payments that the payments would not be applied until the full amount of the monthly mortgage payment is made. To prove them wrong I have cancelled my Bi-weekly payment on the Wells Fargo website and then I re-established them. This time I took a screen shot of every page and all the terms, see enclosed. I also provide the confirmation emails from Wells Fargo I received. No where does it state bi-weekly payments will not be applied until the full amount is collected. 
In summary Wells Fargo is deceiving mortgage holder by advertising bi-weekly and other payment incentives to reduce interest when in fact it is a way for them to get a free loan in my case for XXXX weeks while charging me interest on my principal mortgage balance. Their advertisements and terms contradict of setting up bi-weekly payments for mortgages contradict what they claim after the fact. The terms of the Bi-weekly payment are clearly listed at the time of setup of the Bi-weekly payment on the Wells Fargo website, see enclosed screen shots. No where in the terms does it state what they are claiming. At best this is deceptive marketing practice on Wells Fargos part. 
I have also enclosed a statement that clearly shows how the payments are unapplied. 
I have also enclosed a conformation email of me setting up the new bi-weekly payments please so they cant say it has changed this was done on XX/XX/2023.
Consumer complaint received 2023-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

I began a repayment plan with Discover Financial in 2022 to pay off the balance of my credit card instead of accepting a settlement which would have closed my account. I understood that the card would continue to have no available credit until a point where the account was re-evaluated. I've been in the process of improving my credit and paying off creditors starting with the least amount owed. Since then, I've paid off a car, paid off one credit card in full to re-establish a line of credit and made an agreement to pay another off 2 months from now. Once this was paid off, I would pay at least {$500.00} a month to Discover instead of the {$250.00} ( twice the minimum agreed upon ) I've paid on time since the agreement. 

I've been informed now that despite not missing any payments since beginning this payment plan, that my account is closed. This is a breach of contract. I was never advised that in order to maintain an " open '' account I could not use, that they would create some arbitrary deadline to repay the entire balance. 

When you discuss repayment plans, make them put it in writing. Get transcripts of calls. Record them and advise them they're being recorded if it's legal in your State. 

And if you're considering Discover, I'd advise not to at all. I thought they would honor their obligations according to the positive feedback they used to have. XXXX gives them a XXXX rating ( XXXX XXXX XXXX XXXX ). Something must've changed. They're covering potential losses in the event of a recession, so they're closing accounts to reduce risk. How is " no credit available '' a risk to them?
Consumer complaint received 2021-09-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted multiple disputes and an FTC report for fraudulent hard inquiries on my credit reports. They have not been deleted XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payfare International Inc. (CA)

I work for XXXX  as a XXXX  and ever since I got the debit card issued by the company, there's been a lot of charges on my account on different days and months. Specifically XXXX XXXX and XXXX. The debit card is issued by Payfare. The application name ( bank name is XXXX ). This has been going on for too long now. I tried contacting the company about it multiple times and they have no response at all. Too much charges has been taken out of my account that I did not authorized. I also contacted the card issuer and they said they will look into it and will give me reimbursement for all the money taken out but they never did. I also attached the email sent from XXXX support.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

Hi my name is XXXX XXXX XXXX I'm here issues on my credit report i have called to have someone help me removed something's that has been on my credit report to that don't belong to me but they are still showing on my report XXXX or XXXX XXXX
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I received multiple emails about opening a BofA account in my maiden name but at my current address. I have never been known by that name at this address. I changed my name 7 years ago. I contacted them and told them that I did not open the account and that it was fraudulent. They stated that they closed the account and sent me confirmation emails. However, the account is still open and I'm receiving statement emails and online banking confirmations. They have not closed the account even after reporting it as fraudulent.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (HI)

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX XXXX and XXXX Credit Bureaus are reporting inaccurate information on MILITARYSTAR. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here are the list of the erroneous account reporting on my Credit report. MILITARYSTAR XXXX
Consumer complaint received 2023-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

I mailed Debt Recovery Solutions an initial letter disputing the debt and asking for them to validate said debt on XX/XX/23 that was delivered on XX/XX/23 with certified tracking # XXXX. Debt Recovery Solutions has failed to respond, I am now sending my Fee schedule, Cease and Desist letter, notice of forced hire, and a notice of default with an opportunity to cure. I will next be sending a secondary notice of default and bill of particulars if they fail to procure this matter accordingly within the time frame allotted.
Consumer complaint received 2023-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I initiated a dispute with TransUnion RE : a XXXX charge XXXX account for {$940.00}. The Account in question was opened in XX/XX/XXXX but I went on a XXXX XXXX in XXXX of XXXX and was not in the XXXX or able to create an account at that time. On XX/XX/XXXX, I called XXXXXXXX XXXX and their fraud department confirmed that the account was fraudulent, I was not responsible for it, and that they told the credit agencies this when they responded to by dispute. Despite the fact that the company that placed the item on my credit report to begin with determining that it was fraud, TransUnion, on XX/XX/XXXX, emailed me to state that the information was found to be accurate and they maintained it on my credit report. 
TransUnion customer service was no help in fixing this.
Consumer complaint received 2019-12-06
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: Clarity Services (MO)

On XX/XX/2019 I received an alert from XXXX  that a new inquiry appeared on my credit report. I looked at the report, and the inquiry is from Clarity services and was placed on XX/XX/2019. I did not authorize them to do that. At the same time, I started getting calls from payday loans. I am worried that either my ID got stolen OR that Clarity services is pulling my report for a payday loan.
Consumer complaint received 2024-01-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (GA)

On XXXX, XXXX  I sent out proof of verification letters to XXXX, XXXX, and XXXX, the account in question is ProCollect Inc. I have not been updated on this process even though I have disputed this account that is not mines. 

The following tracking numbers for proof of delivery for this letters are : XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX )