davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp. (TX)

The deposit of {$280000.00} in cashier 's check was originally made on XX/XX/XXXX. I was asked to make the same deposit again on XX/XX/XXXX, because Relay failed to process the original deposit. To have the funds available on XX/XX/XXXX which is 18 days later is not acceptable. I emailed XXXX, my account manager, support team at Relay, and support team at XXXX XXXX No one is willing to help me to expedite the processing of this deposit.
Consumer complaint received 2021-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

Someone called on XX/XX/2021, and said that I had charges on my XXXX account and that they were going to set up security and make sure I got the money back. They took control of my computer which had my banking information on it. They went into my account and wired themselves {$3100.00} out of my checking account. Once I realized this had happened, I called Wells Fargo immediately and submitted a fraud complaint and was told they would work on it and it would be resolved as soon as possible. I received a letter from Wells Fargo saying that because they could not prove that I did not willingly allow the person to take the money, they are unable to refund my money. Basically, their thought is that there is a chance that I was in on the whole situation and may be benefiting from what has taken place. I was unaware of what was going on and wound up getting money stolen from me and nobody from Wells Fargo can give me any more options.
Consumer complaint received 2018-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (GA)

A fraudulent retail card was opened up on my behalf over a month ago with XXXX jeweler without my consent. The bank that issues this card is XXXX I have never made this transaction nor do i recognize this activity on my credit report. I do not know the exact day it was open but i know it was some time during the end of XX/XX/XXXX. This account has caused my scores to decreased rapidly due to high credit utilization.
Consumer complaint received 2021-11-16
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: Merchants and Medical Credit Corporation, Inc. (MI)

I have filed many disputes over the course of two years with XXXX, M & M Credit, and XXXX XXXX solutions on multiple accounts ALL of which should not even be reported due to HIPPA rights/laws. I have concluded in research that, In connection with its collection activities, XXXX, M & M Credit, and XXXX XXXX XXXX, furnishes credit reporting information to consumer reporting agencies ( CRA 's ) about the consumers and debts that are the subject of its business. XXXX, M & M Credit, and XXXX XXXX XXXX, violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing information to CRAs that it knew or had reasonable cause to believe was inaccurate ; failing to report to CRAs an appropriate date of first delinquency on certain accounts ; failing to conduct reasonable investigations of disputes made by consumers both to XXXX, M & M Credit, and XXXX XXXX XXXX and to CRAs about furnishined information or failing to conduct investigations of disputes made to XXXX, M & M Credit, and XXXX XXXX XXXX in a timely manner ; failing to send required notices to consumers about the results of such investigations ; and failing to establish, implement, and update its policies and procedures regarding its furnishing of consumer information to CRAs. Based on these violations of the FCRA and Regulation V, XXXX, M & M Credit, and XXXX XXXX XXXX violated the Consumer Financial Protection Act and HIPPA rights.
Consumer complaint received 2020-02-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

On the statement dated : XX/XX/2020 statement - Citizens Bank sent out a statement that is mathematically incorrect! They state : Previous Balance Minus Payment Plus Interest Payoff Balance {$54000.00} - XXXX + XXXX = {$53000.00} The payoff balance is off by {$13.00} ... Why?? 

When I contacted the bank - they said it was " lien waiver '' fee from XXXX County ( which is currently {$25.00} ). 

This is the 2nd time this bank has added a balance to my account without any indication of what these additional amounts are being charged to my account for. 

I have repeatedly requested that if they add any amounts to my account that those amounts be described in a separate line item. They refuse. 

Additionally, It makes no sense for them to add this to an ongoing payoff balance. With any other mortgage the mortgage company is focused on what you owe them. Once a pay off request is received - then the mortgage company can check with municipality to disclose/collect the amount due for the lien release which can change ... 

Every single time I go to balance my account - I can not! Because of the mathematical errors and the lack of disclosure of what this bank is adding to my payoff amount. 


It would seem to me that a regulatory agency would not allow banks to willy nelly add to a customer 's pay off balances without property disclosure?
Consumer complaint received 2020-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (AL)

This is an account i had with XXXX XXXX years ago. Yes i had fell behind on my payments because of hardship at the time but I did a check over the phone in 2010 for a  settlement amount with my XX/XX/XXXX account at the time. So this is totally wrong for them to threaten to garnish any wages of mines.This account should have been closed! 
And i'm trying to find somewhere to live with my grandbabies and ill mother. I will fight this all the way, in Jesus name.
Consumer complaint received 2021-08-24
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: Statewide Credit Services Corp. (NY)

XXXX  has knowingly violated FCRA 15 U.S.C. 1681n Civil liability for willful noncompliance. They have not responded within the allotted time. They have also violated 15 U.S.C. 1692g, this agency was to notify me of this in writing five days prior, I was not notified. As the original creditor only I can validate this debt. I do not validate this debt. I have also been involved in identity them these items on my report are not mine. 

Statewide Credit Service Account number:XXXX  Child Support Enforcement Account number : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2021-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MO)

My mortgage payment is serviced Lakeview Loan Servicing LLC. It is subserviced by XXXX. The monthly payment is supposed to be XXXX monthly. XXXX XXXX was withdrawing XXXX biweekly and making the monthly payment. until XX/XX/XXXX. At that time they requested that the biweekly payment should be XXXX to cover additional fees. I made XXXX payments during XXXX XXXX. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. 
They have collected {$710.00} every XXXX weeks since that time. Each statement from XXXX states that a XXXX past due amount has been collected.each month. This is {$450.00} past due fees while I have never missed or been late on a biweekly payment. After making an extra payment in XXXX. 
Payments and past due fees were made on : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Bi-weekly payments were collected on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 
I cancelled XXXX XXXX 's automatic bi-weekly withdrawal. I received my usual monthly statement from Lakeview stating that I owed XXXX again this month which included the {$91.00} Past due amount. I can not get them to answer the phone!!! I have tried many times on XXXX different phone numbers published on their statement!!!
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because some one had already filed under my social security number. I called IRS and to figure out what needed to be done. I then pulled my credit report to see what all has been opened under my name if there was any. There was an outrageous amount of items that I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$2900.00} XXXX XXXX XXXX {$680.00}
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX Balance XXXX : {$1300.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX XXXX Owed : {$1300.00} ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/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 ; CAMPUS XXXX XX/XX/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 XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-11-16
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: Arbor Professional Solutions, Inc. (MI)

I have filed many disputes over the course of two years with XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional solutions on multiple accounts ALL of which should not even be reported due to HIPPA rights/laws. I have concluded in research that, In connection with its collection activities, XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional solutions, furnishes credit reporting information to consumer reporting agencies ( CRA 's ) about the consumers and debts that are the subject of its business. XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional solutions, violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing information to CRAs that it knew or had reasonable cause to believe was inaccurate ; failing to report to CRAs an appropriate date of first delinquency on certain accounts ; failing to conduct reasonable investigations of disputes made by consumers both to XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional Solutions and to CRAs about furnishined information or failing to conduct investigations of disputes made to XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional Solutions in a timely manner ; failing to send required notices to consumers about the results of such investigations ; and failing to establish, implement, and update its policies and procedures regarding its furnishing of consumer information to CRAs. Based on these violations of the FCRA and Regulation V, XXXX, XXXX XXXX XXXX XXXX and Arbor Professional solutions violated the Consumer Financial Protection Act and HIPPA rights.
Consumer complaint received 2021-11-16
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. (CA)

Around two months ago I disputed an Account on my Experian credit report. They told me they verified the account but then I looked at the status updated date XX/XX/XXXX it had not changed. They told me to contact the furnisher of the information. I wrote the furnisher which is XXXX XXXX. I point out to the company that the account was inaccurate and incomplete. I let them know there was two different dates the account opened XX/XX/XXXX and XX/XX/XXXX. I let them know the report showed I was 180 days late and 120 days late. I asked them to validate the account which is my legal right. Everything I asked and waited over 45 days no response. I wrote Experian back with the certified letter that I mailed to the furnisher and included the certified mail green card attached to the furnisher 's letter to illustrate my request and the time frame of over 30days. Instead of Experian stop reporting the account they still continue to report it. Also I have very strong supportive evidence I will upload with this complaint that neither XXXX or EXPERIAN updated the consumer report in the " COMMENT SECTION '' CONSUMER DISPUTES ACCOUNT! Which I believe is at least for EXPERIAN a direct VIOLATION of laws they are governed by in FCRA. I am currently trying to apply for a home loan and EXPERIAN never investigated this account because status update has not changed since XX/XX/XXXX XXXX
Consumer complaint received 2021-11-17
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)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2023-03-01
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-16
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: Experian Information Solutions Inc. (DE)

Inquiry from XXXX XXXX XXXX. on XX/XX/XXXX I am not sure why this is on my credit report. The last time I did a credit application with XXXX XXXX was in XX/XX/XXXX.
Consumer complaint received 2021-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Acceptance Corporation (CA)

Trying to fix my credit history I stumbled upon M Leonard and Associates on my credit history for {$360.00}. I contacted them today XX/XX/XXXX regarding the debt collection I had no idea about, asking for more information about the debt. They told me all they could tell me is that its from XXXX XXXX XXXX and that it was for services rendered XXXX and XXXX of XXXX. I got off the phone with them and proceeded to call XXXX XXXX group. They let me know that I do not owe them any money according to their numerous records kept, and that I should contact M Leonard and Associates again and ask for the specific Dr/Clinic Requesting the debt collection. I called them back and they proceeded to tell me they couldnt give me any further information and that XXXX XXXX XXXX uses XXXX  for their customers to look up all of their Dr visits. I called XXXX they helped me make an account and i was able to see that there was no visits on XXXX or XXXX of XXXX for me or my dependant. M Leonard and associates is breaking the law reporting this debt not owe and not providing me with any information to justify it being on my credit history,
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (NJ)

XXXX XXXX, XXXX and exqufax have been reporting late payment on my report without consent for my privacy. 
( No law states that a transaction needs to be report ) Especially unknowingly. 
15 US code 1666b Timing of Payments
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX.Transunion continuously reports inaccurate information to my consumer report. Transunion has changed my name to XXXX XXXX XXXX when my name is XXXX XXXX. If you look at the attachments you will see that they are the only Consumer Reporting Agency that is reporting my name this way. I have sent this reporting agency certified mail which had a copy of my Social security number, passport, and state ID. I called the company XX/XX/2022 to tell them hey your reporting my name WRONG AGAIN. And they told me to send in proof. I sent proof by certified mail on XX/XX/2022 usps return receipt number:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Transunion refused to correct my name even with this proof. This Consumer reporting agency is not handling my personal information correctly per the federal law. XXXXTransunion has also reported that I was XXXX days late on a payment with XXXX XXXX ( see attachment for date XX/XX/2022 ) which I was not and my score dropped again due to their inaccuracies. I sent them proof of payment and they corrected it ( see attachment XX/XX/2022 ). However my score remained the same. They dropped my score because of their inaccuracies. As you can see based on the dates of the report their negligence. This is a deformation to my character. 15 usc 1681 section 604 ( a ) section 2 it states consumer reporting agency can not furnish an account without my written instructions. Transunion violated the FCRA SECTION 623 AND REGULATION when they changed and reported my name as XXXX XXXX XXXX. UNDER. XXXX Obligations with respect to disclosures of personal information. states " that furnisher must not furnish inaccurate consumer information They broke that law In accordance with the fair credit act!
Consumer complaint received 2024-03-09
Product: Credit reporting 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. (TX)

Dear Sir/Madam, I am writing to formally dispute several inquiries listed on my credit report. Upon reviewing my credit history, I have identified multiple inquiries that I believe are inaccurate and unjustified. I kindly request that you investigate these inquiries and promptly remove them from my credit report. 

Below are the details of the disputed inquiries : XXXX. Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX, XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX I would like to emphasize that these inquiries were not authorized by me, nor do they represent any legitimate applications for credit. As a responsible consumer, I am vigilant about monitoring my credit activity, and these inquiries do not align with any actions I have taken. 

Furthermore, the presence of these inquiries negatively impacts my credit score and overall financial standing. As you may know, excessive inquiries can signal to potential lenders that I am actively seeking credit, which may not be the case. Therefore, it is imperative that these inaccurate inquiries are promptly removed to ensure the integrity and accuracy of my credit report.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting that you conduct a thorough investigation into these disputed inquiries. Please provide me with the results of your investigation and take the necessary steps to remove any inquiries that can not be verified as legitimate. 

I appreciate your attention to this matter and your prompt action in resolving this dispute. Please inform me of the status of my request within the timeframe stipulated by the FCRA. 

Thank you for your cooperation