davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-09
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. (PA)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is accquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for account removal.
Consumer complaint received 2018-08-29
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: Santander Consumer USA Holdings Inc. (TX)

We received a credit breach alert XX/XX/2017. After reviewing our credit report found a fraudulent loan from XXXX XXXX. After many hours of research found ID Theft utilizing my information occurred in Pennsylvania. Police report was filed, Pennsylvania District Attorney found fraudulent auto loan document, notified XXXX XXXX, they in turn notified the three reporting agencies XX/XX/2017. 

Upon recent credit report review- and after several notifications to XXXX- the fraudulent loan remains on the XXXX credit report. 

At this point I am unable to review XXXX and XXXX not able to access their website. 

Thanks in advance for any assistance you can provide.
Consumer complaint received 2018-08-29
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. (TN)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX  XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX. XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX ( Equifax : XXXX : XXXX XXXX : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX  XXXX XXXX   XXXX  : ( XXXX XXXX : XXXX ) XXXX XXXX Equifax : XXXX XXXX : XXXX. XXXX ( Equifax : XXXX XXXX   : XXXX XXXX : XXXX ) XXXX/XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX CC ( Equifax : XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX/XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX )
Consumer complaint received 2018-08-29
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. (TN)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX. XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX-XXXX  : XXXX Transunion : XXXX ) XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX   XXXX : ( XXXX Transunion : XXXX ) XXXX XXXX XXXX : XXXX XXXX : Transunion. XXXX ( XXXX  : XXXX XXXX   : XXXX Transunion : XXXX ) XXXX/XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX CC ( XXXX  : XXXX XXXX : XXXX Transunlon. XXXX XXXX XXXX/XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX )
Consumer complaint received 2018-08-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (WI)

I have been trying for the past several days to open an savings CD account with XXXX XXXX XXXX. They have repeatedly refused to allow me to puchase a 12 month CD at their advertised rate, citing " internal controls, '' but providing no specific reason. After numerous telphone conversations, they have maintained that position. I don't know if they are engaged in some kind of bait and switch, or other type of scam, but based on reviews, they appear to be doing this to others too.
Consumer complaint received 2018-07-24
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: Experian Information Solutions Inc. (NY)

I have spoken to mb on the phone for the pest 3 months I have been trying to resolve the late payment from credit bureaus being removed.

I have been told over the phone from more then 1 employee that it will be removed from my credit report but it wasnt After trying for months I have been advised by legal advice to mail out the attached check See the dedails on the front memo and backs signature panel ( By depositing this check XXXX XXXX XXXX agrees to remove all late credit reporting from the 3 major Credit bureau
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have been submitting multiple with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Credit Bureau ' send. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-09
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. (TX)

I have ask experian credit bureau to correct the following errors on my credit report and they have yet to do it and submit verification tht these are my accounts or to fix inaccuracies tht by law should be deleted from my credit report. XXXX ) XXXX  XXXX XXXX is the account number and past due balance of XXXX which is inaccurate and the dates are wrong and it is a charge off account. XXXX ) XXXX XXXX XXXX XXXX is the account number and the dates are wrong and it is a charge off acct. Furthermore I hve sent numerous letter stating how this inaccurate reporting is damaging my credit report.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

Applied for XXXX XXXX card on XX/XX/XXXX ( XXXX Bank Visa ). Purchased {$160.00} at that time. ( See attached document ) Received card at home address about 2 weeks later. 
Called on same day for billing information and paid same amount ( {$160.00} ) by check on XX/XX/XXXX. Never received bill in mail. 
On XX/XX/XXXX I ordered item on-line from XXXX XXXX. Amount of item was about {$100.00} Forgot about this item among XXXX shopping spree. 
Unknown to me, XXXX XXXX bills were being sent to wrong P O box. Never had XXXX XXXX   XXXX. 
XXXX Bank never notified me of returning bills even though they had my telephone number, home and E-mail address. 
Account grew to {$290.00} in 6 months due to fees and interest. 
Account was sold to Citi Bank in late XXXX of XXXX. 
Citi Bank called me by phone upon receiving account and account was settled onXX/XX/XXXX. 
I declined offer of XXXX XXXX Mastercard from Citi Bank. ( See attached document )
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Please correct my XXXX XXXX and all credit reports including XXXX and Experian to ONLY show address listed from the two required forms of documentation I have provided. These other addresses are incorrect and belong to someone else. Please advise ASAP! Thx! XXXX
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

Please correct my XXXX Credit and all credit reports including Equifax and XXXX to ONLY show address listed from the two required forms of documentation I have provided. These other addresses are incorrect and belong to someone else. Please advise ASAP! Thx! XXXX
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (TX)

I had a balance on a US Bank credit card of {$5200.00}. An auto payment of {$200.00} was just cleared on XX/XX/XXXX. I made a payment online for the balance of {$5200.00}. Once that payment cleared, I called the company and asked for my account to be closed. It was successfully closed. 

Today is XX/XX/XXXX and lo and behold I receive my statement. I open it expecting a big fat XXXX for balance due, but to my surprise, there was a balance of {$14.00}. 

What? 

I called the company and supposedly they were charging me interest DAILY for a cash advance. If that were the case, why wasn't that additional {$14.00} shown on my balance due online? I understand MONTLY statements showing MONTHLY charges, but a website can literally be updated every SECOND. Why wasn't the additional charge reflected in the balance? 

Why would anyone think about, check up on, or follow up on an account after it had been PAID IN FULL and CLOSED? What if I hadn't noticed this new bill for {$14.00}? What if a month went by, then another then another without me knowing about it. Meanwhile, US Bank is charging me interest on the interest on the interest. You could see where this could create problems. 

This seems VERY DECEPTIVE to me, bordering on illegal, that not only did the website not reflect the most up-to-date balance due, but that at no point during the process of me closing the account was I ever MADE AWARE OF the upcoming daily interest charge. Why would they not tell me at the time I was closing my account that I had the option of paying off the current daily interest charge. 

Today I called their one of their reps, asked why the full balance wasn't reflected on the website and reminded her, at least four times, that I paid the total balance due as it was reflected on my last statement, which was the same exact number reflected on their website. She finally offered to looking into getting the fee waived. She was able to. 

I asked for an email notice reflecting this waiving. She said it would be reflected on my next statement.
Consumer complaint received 2018-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VA)

On three attempts my paypal account : XXXX has been limited to balance usage and in attempting to fix the issue I incurred some misrepresentation by the customer service team for the verification option o clear the issue of the restriction. 

The holder of the paypal account had only the verification option left to be approve was the card statement option which he provided what the bank has for the holders of accounts. 

The holder of the paypal account was mislead by the card statement verification being the only verification and further verification was asked excessively by proof of address and another card statement verification which proof of address was already approved by the option selected for proof of of identity. 

The holder of the paypal account was further mislead by the billing piece of mail to verify address and than the customer service stated they needed the actual bill continuously adding more circumstances as the initial verification for proof of address was met. 

XXXX XXXX the paypal account holder spoke to XXXX on the phone and transcript information included by attachment Account holder allege misrepresentation by customer service of paypal by personal injury intentional tort. 

Within misleading information within phone cal to customer service XX/XX/2018 ( XXXX ) and the verification process of the on the following day XX/XX/2018 ( XXXX and XXXX ) that implied piece of mail from chat transcript description of proof of address and card statement proof from checking account/prepaid card was given to the customer service to meet the resolve issues requirements and account still fail to be access to retrieve funds.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I was a victim of fraud back in XX/XX/XXXX. I had just XXXX XXXX XXXX and had multiple accounts for utilities and cell phones that did not belong to me. The person was using my social but not my correct date of birth. I went to the police dept. and was advised to contact the credit companies. Without a name or any information on the person doing it there was nothing they could do. In XX/XX/XXXX I ran into the same problem when I got a call from a bank after someone opened an account online with my information. I have been going back and forth with the credit berues since XX/XX/XXXX. THERE SHOULD ONLY BE XXXX ADDRESS ON MY CREDIT REPORT. HOME ADDRESS WHICH I ATTATCHED A COPY OF MY DRIVERS LICENCE AND MY HUSBANDS ADDRESS WHICH IS THE XXXX XXXX ADDRESS XXXX MO XXXX. ALL OTHER ADDRESS DO NOT AND HAVE NEVER BELONGED TO ME
Consumer complaint received 2018-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE (FL)

I had over many years used a third party program XXXX XXXX XXXX XXXX to pay my mortgage payments by deducting the payments once a month on the XXXX from my checking account in the amount of {$450.00} to pay my mortgage payments for early off. However, I got my XX/XX/XXXX mortgage statement reflecting that my XX/XX/2018 payment had not been received. I contacted XXXX XXXX on three occasion which is difficult to get through the phone system, I was verbally told that they experienced an computer gliche and that my payment for XX/XX/XXXX will be paid by the last week in XX/XX/XXXX and that any late fees will be made up by them and any negative action to the credit bureau regarding that will be corrected with correspondence drafted and submitted by their company. As to date I have not had my payment submitted from XXXX XXXX nor have I been contacted to have my monies refunded to me or late fees received or submitted to my mortgage lender. I would like my monies refunded as I had to make the additional payment unexpectedly and the late fees and I want a letter to my mortgage letter and the credit bureaus to correct the error that happen on behalf their company.
Consumer complaint received 2018-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (CA)

This is an invalid debt. The debt belongs to XXXX XXXX account that does not exist on my credit reports. 

I have sent multiple Debt Validation letters to CAVALRY PORTFOLIO SERVICE at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX address and never received any information about this. Please take a look into this as they refused to validate my debt and sabotaging my credit report at the same time.
Consumer complaint received 2018-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

The lawyer 's charges were adding up, then, I decided to settle with Bayview. I spoke to XXXX XXXX my point of contact in Bayview on XX/XX/2018 regarding the payoff amount. He told me that I needed to pay {$24000.00} including all the late charges to bring my account current. However, on XX/XX/2018, I sent a cashier 's check by XXXX for {$24000.00} to Bayview which was the payoff amount to bring my account current. Bayview received and cashed the cashier 's check but still continued to send me threatening messages that the will foreclose my house if payment is not received. As a matter of fact, I overpaid Bayview and they need to refund me, they charge me for Escrow ( tax and insurance ). Bayview has no justification in charging me for Escrow. I always pay tax and insurance on my house direct by myself and I have fully paid the tax and insurance for this year. I have also an unapplied fund of {$1400.00} on my account which Bayview refuses to refund back to me. My regular mortgage payment is XXXX per month, now XXXX has increased my payment to {$2200.00} without any justification. Moreover, I paid the payoff charge of {$24.00}, XXXX in XX/XX/XXXXy and in XX/XX/XXXX, I paid another {$2200.00} which is my regular monthly payment. As of today, my account should have been current but Bayview sent me a billing statement showing an outstanding balance of {$5900.00}. At this point, it shows that they are trying to frustrate me. I have contacted my lawyer and I am going to take them to court. See Attached
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I placed a order on " XXXX '' onXX/XX/XXXX and I selected ; the option for " 3 easy pay '' installments. I never, knowingly consented for " XXXX '' to pull my credit report. I talked to " XXXX XXXX '' sales engineer yesterday, evening Tuesday, XX/XX/XXXX, when he asked for my social security number to run my credit report. I told XXXX, NOT to run my report and I will call him back today ( XX/XX/XXXX ) once I decide how I wanted to proceed with this order. I checked my credit today ( XX/XX/XXXX ) and my credit was pulled without my consent. I never gave " XXXX '' my social security number to even check my info. 


Credit Pulled From : XXXX XXXX. 
Phone : ( XXXX ) XXXX x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2018-08-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (IL)

Did an installment loan with XXXX XXXX for XXXX. The Rep informed of the amount that was going to be taken out of my bank account every 2 weeks. I called to inquire about my balance and learned that I still owed them XXXX. I became upset because the Rep did not explain to me that they charge a daily fee plus interest. I was told I would paying XXXX every 2 weeks until XX/XX/XXXX. They didn't tell me that I would be paying the interest and other fees first. I feel they owe me some money back.
Consumer complaint received 2018-08-29
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: CITIBANK, N.A. (VA)

XXXX client, XXXX XXXX is a victim of identity theft. She was notified by CBNA/Best Buy of a fraudulent application submitted with her information without her consent in the name of XXXX XXXX. An official dispute of this application was mailed certified with return receipt to CBNA/Best Buy, XX/XX/2018. As of this date CBNA/Best Buy has failed to remove the information and have not provided any information concerning the investigation into this matter, this inaction is a violation of FCRA.
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

Well Fargo XXXX closed my account ending in XXXX and unable to reopen it with a zero balance I would like for this store reopen with a {$1000.00} credit limit .. company refused to reopen it
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges OF {$30.00} I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 

I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
Please send me copies of all records relating to the account, including : -Account applications made on paper, online, or by telephone -Account statements or invoices -Records of payment or charge slips -Delivery addresses associated with the account -Records of phone numbers used to activate or access the account -Signatures on applications and accounts -Investigators report -Inform the business where the account was opened that the debt is the result of identity theft -Stop collection activities against me -Stop reporting information about the debt to credit reporting agencies -If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft -Provide me with the records I request -If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Thank you for your cooperation. 
Sincerely, XXXX Enclosures : -FTCIdentity Theft Report -Proof of identity -Notice to Furnishers of Information Please provide me with the records I request