davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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. (MI)

In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under use 1681XXXX 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 rights to privacy. 
15 u.s.c 1681 section 604 A section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 u.s.c 168lc. ( a ) ( 5 ) section states : no consumers reporting agency may make any consumers report containing any of the following items on information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years. 
15u.s.c.168ls-2 ( a ) ( C1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (WA)

On XX/XX/2019, 20 fraudulent charges were made on my credit card with the same description, XXXX XXXX XXXX CA, for a total of {$1000.00}. On XX/XX/XXXX I became aware of these charges and called Citibank to ask for them to be reversed. 

On XX/XX/XXXX I received a credit for 10 of the fraudulent charges, however the other 10 which have the same details, remained on my account. Since then I have called both customer service and the security team at Citibank on many occasions and have been reassured time after time that they are investigating the charges and that I will receive a credit in the next few days, however no credit has been issued. 

Through all this Citibank has never contacted me once, and I had to always contact them and waste countless hours on hold. It has been a really poor customer experience.
Consumer complaint received 2023-02-04
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. (PA)

My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with Experian, XXXX and XXXX. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by Dept of EDXXXX XXXX My current loan servicer is XXXX with a balance of XXXX XXXX after consolidation and transfer from XXXX thus zeroing out these amounts with XXXX. 
My XXXX report currently shows my correct balance of XXXX with XXXX in addition to an extra XXXX and the XXXX under XXXX that was consolidated and transferred to XXXX. This makes my student debt total with XXXX XXXX when it should only be XXXX XXXX and the XXXX balance should be XXXX. 
My XXXX report shows the correct XXXX amount of XXXX and an XXXX balance of XXXX for a student debt total of XXXX when the XXXX balance is XXXX and the XXXX balance should be XXXX. 
My Experian report currently shows XXXX with a balance of XXXX and XXXX balances of XXXX, XXXX, XXXX for a total student debt of XXXX, XXXX. The correct information is XXXX XXXX, XXXX and XXXX balances are XXXX. 

My attempts to correct these discrepancies began in XX/XX/2022 with Dispute Report # XXXX. Experian reports investigating and resolving the matter and sent me their results on XX/XX/2022 with the only change made was the date of balance update to the same incorrect balances. I filed another dispute ( Report XXXX  XXXX ) explaining the issue on the website and by phone on XX/XX/2022 describing the discrepancies that the representative reported that she entered into the system a statement describing the problem and reason for the dispute after the supposed resolution of the first. The results of this dispute were received on XX/XX/2022 with no change and a combined balance of {$71000.00} in student debt on my credit report and the correct amount should be {$35000.00}. This significantly increases my debt to income ratio. Another dispute was filed by phone and on the website following the procedure required by Experian, Report # XXXX, on XX/XX/2022 for the same issue after calling both XXXX and DEPT OF ED XXXX to confirm the current balances and what would be reported to the credit agency should they call. Both XXXX and XXXX reported the same information that I have relayed here. XXXX reports that my loans have been transferred from them to XXXX and are closed.
Consumer complaint received 2022-09-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Upon reviewing my credit file, incorrect items was found in my reports. The TransUnion, XXXX and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified items without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX CO Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX I Account Number : XXXX
Consumer complaint received 2021-11-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (AR)

XXXX XXXX, ENCORE CAPITAL GROUP ARE INCOLLUSION WITH XXXX XXXX AND ARE BREAKING THE FINANCIAL CREDIT APARATUS FOR CONSUMERS AS WELL AS XXXX XXXX XXXX AND FCRA 15 U.S.C.. SEC TION 1681g. both illegal collections are still reporting on XXXX XXXX after sol. expired XXXX years ago.
Consumer complaint received 2019-02-01
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. (OH)

In approximately XX/XX/XXXX/XX/XX/XXXX a fraud alert was placed by MasterCard Because my credit card had been compromised. The card was temporarily closed and they issued a new one, which I received a week later.In the meantime I had to use my other credit card : XXXX, which I rarely, if ever, use. A few weeks later I received the bill to pay XXXX. Not being used to receive bills from XXXX, when I saw the envelope I thought it was advertisement so I threw it away as junk mail with the other junk mail. The bill was for approximately {$480.00}. After XXXX called me twice and made me aware of the lack of payment, immediately I wrote a check and sent it to them. I thought that was the end of it until my credit scores were affected significantly.I called XXXX, TRANSUNION, XXXX, XXXX and submitted disputes to no avail.TRANSUNION, especially, lowered my credit score significantly, About 100 points.. 
For many many years my scores have been nearly perfect ( In the 800s ; at one point it was close to the maximum score attainable ). My payments are always on time, except for this is with XXXX bill.The Credit companies have not considered my prior, nearly perfect credit scores, as a factor In my favor, so they lowered my score significantly ( from approximately 825 to XXXX- TRANSUNION ) ; the other Credit companies have similarly lowered my credit score but not as much as TRANSUNION . I request your help with this situation. Thank you XXXX XXXX, XXXX  XXXX XXXX
Consumer complaint received 2021-11-23
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. (LA)

on XXXX XXXX there was a letter sent to Transunion about inaccurate account information that has been reported on my credit profile, I have sent in information 's showing that this information on my credit profile is reporting inaccurate and this is the XXXX time reporting this information and to Transunion and they refuse to remove it from my credit file it has been over XXXX days and nothing was removed neither have they send over a updated credit report with a response, Due to this derogatory item being reported on my credit report this has caused me great hardship and I have been denied credit for myself and my family which has now carried over into my business as a business owner. 
This situation has really put my life on hold I ask that immediate action take place to resolve this issue and the item is removed ASAP. 

Thank You, XXXX XXXX,
Consumer complaint received 2018-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

Hello, It is time to do my XX/XX/XXXX taxes and today ( on or about XX/XX/XXXX ) I called Wells Fargo because I had not received my XXXX for my interest bearing checking account that I have had for decades. They informed me that last XX/XX/XXXX, they changed my account ( and all/ everyones interest bearing accounts of this same type ) to a non- interest bearing account and went to on line statements. ( they sent me a privacy notice in the mail but did not inform me of this change by mail ) Their website now says that posting on line counts as their notification. My account did qualify for two interest bearing accounts but they just changed mine -and everyones, according to them- to the non- interest bearing account. I do not believe it is nor should be legal to change an account from an interest bearing to a non bearing account without actual notification. Is this a cross selling derivative? I am willing to join or institute a legal action against Wells Fargo for this obvious unethical and possibly illegal behavior. I did try to talk to Wells Fargo but it was unsuccessful. 
Please help me recitify this abuse of my and others accounts. Thank you.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ID)

DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My wife and I are attempting to purchase a new car. Both of our credit scores are deemed " Excellent '' and are typically XXXX with all three credit agencies. The car company tried to retrieve our credit information from all three agencies, but was unable to retrieve from Equifax. 

I then attempted to unfreeze my Equifax account via the Lock & Alert app. I received an Error 101 message and instructed to call their support number at XXXX 

I called and gave all of the information requested to verify my identity. She put me on hold for 15+ minutes, when a gentleman finally answered and requested all of the same information. He said he would need pictures of my state driver 's license number as well as my Social Security Card in addition to all of the information. 

I refused as this seems quite suspicious of fraudulent activity. 

I asked for a supervisor and he denied me. He stated he was the top of the line and there was no one else above him. I asked for his name and he refused. I asked for his location and he refused. He then hung up on me without unlocking my credit freeze. 

I would like to file a formal complaint against Equifax, legally if necessary. 

Please advise. 

Thank you.
Consumer complaint received 2021-11-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TN)

XXXX have never had an account with this company CREDIT COLLECTION SVCS  XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to XXXX XXXX Code XXXX ( XXXX ) XXXX.This letter is in pursuing XXXX XXXX Code XXXX ( c ) Ceasing communication XXXXI am the consumer mentioned in XXXX XXXX code XXXX ( XXXX ) You are CREDIT COLLECTION SVCS the debt collector XXXX XXXX XXXX ( XXXX XXXX I am invoking specified remedies under use XXXX XXXX code XXXX ( XXXX ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to XXXX XXXX Code XXXX ( c ) ( XXXX ) XXXX am the executor under the XXXX XXXX Code XXXX ( d ) pursing to XXXX XXXX Code XXXX A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXX to XXXX XXXX XXXX XXXX ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX XXXX XXXX XXXX ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXX.As mentioned in the XXXX XXXX XXXX XXXX Unfair practices ( XXXX ) XXXX pursuing to XXXX ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX XXXX Code XXXX Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section XXXX ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the XXXX Code XXXX and XXXX.
Consumer complaint received 2023-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (NJ)

Rushmore Servicing has told us in numerous phone conversations that Since XX/XX/2023 XXXX XXXX AND XXXX XXXX XXXX have been apparently BOTH have Foreclosure Files against the Rushmore Servicing account. Not only have these fees been duplicated against the account, they never should have begun in the first place as we never received any Notice of Intent to XXXX XXXX as required by XXXX XXXX. When we contacted XXXX XXXX to question them about the Foreclosure legal fees and why they even have a Foreclosure Filing along with XXXX XXXX XXXX, who quietly cancelled the Foreclosure complaint with XXXX XXXX and never notified us by mail or server on XX/XX/XXXX. XXXX XXXX refused to speak to us and only would say Errors have been made and we need to speak to Rushmore Servicing about them and the Foreclosure file has been closed as of XX/XX/XXXX. However, Rushmore continues to state the Foreclosure is active while still refusing to answer our request for a breakdown of line items of all fees for legal and maintenance which we believe were either duplicated or never took place causing us to not be able to pay any alleged monthly balance as the figures are never correct or truthful.
Consumer complaint received 2021-11-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CL Holdings LLC (AR)

XXXX XXXX, ENCORE CAPITAL GROUP ARE INCOLLUSION WITH XXXX XXXX AND ARE BREAKING THE FINANCIAL CREDIT APARATUS FOR CONSUMERS AS WELL AS XXXX XXXX XXXX AND FCRA XXXX XXXX SEC XXXX XXXX. both illegal collections are still reporting on transunion llc after sol. expired XXXX  years ago.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I had an incident happen to me back on XXXX 2021. I was a victim of fraud. I used my card as part of an unauthorized transaction of {$1000.00}. The person who initiated the fraudulent act requested gift cards from me. I filed a claim with Wells Fargo and they denied my claim. With the claims in XXXX this was emotional and the bank should have restored my losses or not allowed me to go through with the transactions. I am due {$1000.00} in restitution damages. Claim number was XXXX and XXXX
Consumer complaint received 2020-03-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (PA)

I was mislead through a CHASE BANK phone conversation regarding the down payment I paid toward a refinance of my current mortgage. I was told that the deposit was refundable. An inspection was never completed on the property but the appraiser said I had to replace an inside door a, tiled basement floor and fix the spackle job in the bathroom ceiling. There was never a Purchase or a Refinance contract given to me stating the terms of my down payment or allow for any contingencies. I was told that my application was denied unless I do repairs that the appraiser could not confirm if the repairs were necessary. The language they used was they " may be '' necessary to repair but were not requires. Chase would not move forward with my loan application, therefore it was denied.
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (LA)

On XX/XX/XXXX I initiated a payment to my Citi Double Cash card through Citi 's website with the payment to come from my XXXX XXXX account. Citi then submitted the payment request to my bank 3 times. When I inquired with my bank what happened, this was their response " Thanks for reaching out. I do see that a payment to Citi Card for {$75.00} was processed on XX/XX/XXXX, at XXXX XXXX  CT. Following that transaction, the available balance in the account was {$31.00}. It looks like Citi Card has sent two additional requests for debits of {$75.00}, on XX/XX/XXXX at XXXX XXXX  CT and XX/XX/XXXX at XXXX XXXX  CT. Since the current available balance is {$31.00}, those transactions were declined for insufficient funds. '' This was from a message dated XX/XX/XXXX. 

According to my Citi card statement, this is the series of events XX/XX/XXXX. ONLINE PAYMENT, THANK YOU. {$75.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU. {$75.00} XX/XX/XXXX XXXX XXXX RTN R01-INSUFFICIENT FUN. {$75.00} XX/XX/XXXX. RETURN CHECK FEE - XXXX. {$28.00} I called Citi to find out why this payment was initiated multiple times and to request the removal of the return check fee from my account. The customer service rep that I talked to seemed to agree that this was a mistake on their part. How could multiple payments of the exact same amount on the exact same date ( within minutes of each other ) from the exact same account not be a mistake, especially if there were insufficient funds for the second payment? She said she could not make changes before the closing of the statement period and I would need to call back after XX/XX/XXXX. She said she would attach a note to my account laying out what we discussed and the issue would be resolved when I called back. 

I called back today ( XX/XX/XXXX ) and was informed that her note was reviewed and rejected. The customer service rep today said the mistake was not their doing and there was nothing they were going to do to correct the issue.
Consumer complaint received 2022-09-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX