davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Credit card or prepaid 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. (MD)

I would like to formally dispute fees of {$29.00} and {$4.00} appearing on my Bestbuy/Citicard statement closing on XX/XX/XXXX. These charges stemmed from an unauthorized charge of {$190.00} appearing on my statement that closed XX/XX/XXXX. 

I spoke to the customer service representative in XX/XX/XXXX and explained that I did not authorize the charge of {$190.00} and that charge was removed. I also closed my account at that time. 

I spoke to a customer service representative in XX/XX/XXXX and explained that I did not authorize the {$190.00} charge and was able to get fees for {$40.00} and {$3.00} ( interest ) appearing on my statement closing XX/XX/XXXX removed. 

The customer service representative informed me that I still had an outstanding balance of {$32.00}, but she could not explain the rationale for this charge. Although she could not identify the reason for the charge, she told me that I did not have the right to dispute this charge. I explained that I did indeed have this right, and I informed her that she, as a representative of Best Buy/Citicard was saying something at least incorrect and at most Illegal. When asked for an address to file a formal dispute in writing, she would not provide this address until I threatened to report her. After being on the phone for about 1 hour, the Best Buy/Citicard customer service representative hung up the telephone.
Consumer complaint received 2021-01-15
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (TX)

There is an account showing on all three bureaus but only XXXX is showing it as {$0.00} balance. Experian was showing it last month as {$0.00} and now they have shown it as a balance owing of {$1500.00}. The account amount is not correct. I have attached the report from XXXX  as well as XXXX  to show the difference. As well as i have attached the letter from the attorney general Child Support to show I have not been in default but i have a credit of over {$1100.00} in my account.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

There is computation error or similar errors in the two-year payment history. It is showing inaccurate reported for XXXX and XX/XX/2022 needs to be deleted as soon as possible. It has to be deleted to show XXXX  % payment history. The account overall is positive and good standing. I am attaching supporting documents. FTC Report has been attached.
Consumer complaint received 2023-01-17
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
XXXX XXXX XXXX Date Opened : XXXX XXXX Balance : {$5100.00}.
Consumer complaint received 2023-01-17
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. (MS)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXXXXXX XXXX  XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (NV)

CREDIT MANAGEMENT LP ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$650.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX  XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-01-17
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. (TX)

I discovered that some of the information 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-11
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: Experian Information Solutions Inc. (TN)

To whom it may concern- Im writing to dispute a charge made to my XXXX credit card after the card was canceled. On XXXX XXXX, XXXX, I called and canceled my XXXX, which held a {$0.00} balance. On XXXX XXXX, a XXXX charge of {$2.00} was processed on my card. I was completely unaware of this charge until XXXX. XXXX, when a lending agency pulled our credit report, which showed late payments and my account had been sent to collections. I had not received one billing statement between XXXX and XXXX, notifying me of an outstanding balance or late fees. As my credit card history shows, I paid my credit card off monthly and had been in good standing with XXXX. 

After learning of the overdue balance, I paid my balance of {$3.00} in XX/XX/XXXX, and XXXX  waived the late fees because XXXX agreed that the error was theirs and they waived all fees and penalties. They also agreed at that time to fix it with the credit bureaus. However, the delinquency charges remain on my credit report. I found this out when I was refinancing my home and had to pay over a thousand dollars in points to get the rate I should have received because of my now bad credit. We spoke with the XXXX credit department, billing disputes department, and even resolution managers from XXXX. On XX/XX/XXXX, we spoke with a resolutions manager who agreed to remove the delinquency charges from the account since the charge was processed after the card had been closed. She said this information would be reported to the credit bureau on the evening of XX/XX/XXXX and that we would receive a letter in 7-10 business days notifying us of the changes. On XX/XX/XXXX, we called XXXX  to follow up. After speaking with several customer service representatives, we were transferred to XXXX, a Resolutions Manager in Nevada, who then told us that the delinquency charges would remained on the account and that a letter had not been sent and they would not be helping us fix this because they had not made a mistake. We were informed that we should write a letter but that they would likely not do anything different and the fault was ours for not checking on the account. An account that had been closed with a {$0.00} balance. 

Im asking you to remove the delinquency charges from my account and report this information to the credit bureau for three reasons : 1 ) The charge was made after the account had been closed. 
2 ) We did not receive a billing statement or email notifying us of these charges. 
3 ) A XXXX  manager already agreed to make these changes and then failed to do so.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Opened a fraudulent case with bank of America and after sitting on it for 3 months decided they were our charges and I submitted paperwork from XXXX stating these order don't exist or anything shipped to my house with the order numbers provided they said the verified with XXXX which was a lie as XXXX won't give any info to them without my knowledge and they tried to say they traced it to my ip address and I run a ip vanish program
Consumer complaint received 2023-01-16
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. (MD)

I recently reviewed my credit report and I found errors on my report from accounts I did not provide my written instruction. According to 15 USC 1681 I have a right to privacy and a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

All of the amounts listed ( {$350.00} ) are current and are in school deferment and have been reporting on my credit report when they shouldn't. This is hindering a lot of progress I could be making with my credit especially trying to get a house. Every disbursement I have is there for lenders to see which is why everyone has turned me down for everything.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Credit Central Holdings, LLC (AL)

I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MA)

We closed on our current home on XX/XX/2020 and completed the sale of our previous home on XX/XX/2020. We intended to use the proceeds from the sale to recast our mortgage. Dovenmuehle Mortgage has stonewalled us at every turn. Despite receiving nearly {$400000.00} to recast our loan, they refuse to adjust our monthly payments. We have called them more than 20 times, once being left on hold for more than 3 hours. We receive contradictory information. Although we were told on at least 6 occasions that someone would call us back, we have never received a call. Our monthly payment amount remains the same and we are struggling to pay. My advice to anyone who has Dovenmuehle as a loan servicer is to refinance as quickly as possible and to not deal with them at any cost.
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I received a notice of a debt owed via mail fraud from Jefferson Capital. 

I sent over the attached documents to validate the debt on XX/XX/23, but Jefferson did not respond, in the 10 days given from XX/XX/23. 

It is not XX/XX/23 and still no response. I noted to kindly tender a {$1000.00} dollar payment if no true bill or the validation of the alleged debt was sent to me within those 10 days and no response was sent by Jefferson Capital.
Consumer complaint received 2023-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

I sent a validation letter to Caine & Weiner Company Inc via registered mail # XXXX XXXX XXXX XXXX XXXX on the date of XX/XX/2022 to validate the debt they claim I owe. I have no knowledge of a debt or obligation so I asked them to kindly validate it in a notice. They didn't respond. They are currently causing financial injury to me and making it difficult for me to acquire credit.
Consumer complaint received 2023-01-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Wilber and Associates, P.C. (AZ)

I received a letter from Wilber & Associates dated XX/XX/XXXX. This apparently is a collection letter. Their client is XXXX XXXX. ( Letter attached ) The letter states I owe XXXX XXXX {$2600.00}. On XX/XX/XXXX I sent a debt validation letter to Wilber & Associates. ( Attached ) I received a letter from Wilber+ dated XX/XX/XXXX. ( Attached ) The debt was not validated. They simply state I am responsible for a person who roared into a parking space as I was exiting my vehicle in a mall parking lot garage. Wilber stated their client, XXXX XXXX believes I am responsible for someone crashing into my fathers parked vehicle. I was not driving the vehicle, it was parked. I wrote a letter to XXXX XXXX on XX/XX/XXXX advising them to contact my father who is the registered owner of the vehicle as their client is at fault for damages to his vehicle and the incident was their clients fault. There were no police reports involved. I dispute this debt of {$2600.00} as I do not owe it. In addition Wilber & Associates does not have a business license to conduct business in the state of Arizona. Obviously XXXX XXXX turned this amount over to collection without sending me any information as to this incident.
Consumer complaint received 2023-06-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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 and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-28
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. (OH)

I recently checked my credit report to apply for a mortgage loan, and discovered many hard inquiries on my report. These are the inquiries that are errors in my report : XXXX XXXX XXXX INQUIRE DATE XX/XX/XXXX, XXXX XXXX INQUIRE DATE XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-01-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

My complaint is regarding my escrow analysis, and resulting misapplication of payments I received an escrow analysis on XX/XX/2020 ( attached ). In that analysis I was informed that 1. ) my tax amount had increased, and 2. ) there was an escrow shortage of {$3500.00}. While I agree with the amount of the tax increase ( it matches my current tax bill, which is attached ), I do not agree with the escrow shortage being reported. The escrow analysis incorrectly lists my tax due date as XX/XX/XXXX, when in fact the correct due date is XX/XX/XXXX ( shown on the tax bill enclosed ). This mistake regarding the date is inflating the tax shortage by {$2300.00}. the actual shortage is {$1200.00}. I have sent Ameris bank the tax documentation, and have called and emailed over 20 times, since XX/XX/2020 ; However as of the writing of this letter the mistake has not been corrected. 
My second complaint derives from misapplied payments. I typically pay my mortgage on the XXXX of the month for the upcoming month. On XX/XX/XXXX, I made a payment of {$2500.00}, This payment amount was an estimated mortgage payment amount if the escrow analysis was corrected. The payment should have been allocated as follows Ameris change the payment application and did not treat this payment as a mortgage payment. 
I believe the mistakes that are being made are both deliberate and systemic. I believe escrow shortages are created at Ameris Bank in order to overstate the amount of cash deposits on hand and overstate the value of the bank. I also believe the customer service agents are trained to dissuade customers from challenging the escrow analysis and prevent corrections from being done. I believe this because when I call the flow of conversation is the same each time as if the representative is reading from a script. 

As a result of all of this I am reaching out to the CFPB to assist me in having my escrow analysis fixed, and my payments reflected accurately.