davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (OR)

I received a statement in late XXXX from Citizens One Bank requesting payment on a balance of {$830.00} for an XXXX All Access purchased as part of a promotion at XXXX. I contacted the bank upon opening the statement to advise that the account they had approved was opened fraudulently. My personal information had been used to open the account and make the purchase. XXXX in Consumer Lending set up case number XXXX. I was able to get delivery information from a XXXX site. The product was shipped to the XXXX XXXX and XXXX in my neighborhood. I contacted the credit reporting agencies to have alerts placed on my credit reports. I filed reports with the Federal Trade Commission XXXX complaint number XXXX ) and with the XXXX Police Department XXXX report number XXXX ). I filed the police report online XX/XX/2021 and met with Officer XXXX XXXX who witnessed my signature and signed the law enforcement report the following day. The law enforcement report was included in the Identity Theft Victim 's Complaint and Affidavit packet faxed to the ID Theft Operations department at Citizens One XX/XX/2021. Collection efforts have continued and derogatory information has been reported. I called the bank and spoke with a collections representative XX/XX/2021 who advised me that collection efforts and past due reporting will continue until the bank 's investigation is resolved and that it may take several months. I called the ID Theft Operations department XX/XX/2021 and left a message per the prompt that stated I would receive a call back within XXXX hours. I didn't hear from the department on the XXXX, so called and left another message on XX/XX/2021. I still have not received a call back. I get the impression from talking with bank representatives that there has been a great deal of fraud reported, and that it is taking time to work through the investigations. At the very least, I would like the bank to clear derogatory information reported to the credit reporting agencies and to stop collection efforts. I have done all from my end that I know to do XXXX this is a 1st time experience for me ). The bank approved an application and purchase without making the effort to contact me when the shipping address was different than the billing address. I was told by a bank representative that my correct phone number was on the application. It would have been so easy to avoid what has already been a very time consuming and worrisome experience.
Consumer complaint received 2022-04-30
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. (SC)

XX/XX/2021 Installment loan XXXX XXXX  BAL : {$870.00} BAL : {$820.00} DEROGATORY ACCOUNT STATUS : CLOSED ACCT # : XXXX CHARGED OFF THE ACCOUNT ABOVE SHOWS BILLING ERRORS OF INCORRECT BALANCE AND ACCOUNT STATUS I have reached out to all 3 Entitys about this billing error on my credit reports. EXPERIAN, XXXX, & XXXX to fix this matter and remove the account due to the violation of my consumer rights and non consent of my signature approving to furnish my account with these charged off accounts. The entitys have refused to do their actual duties of research in correspondence to my request.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I contacted the bureaus several times to correct this identity theft /IDENTIFY THEFT REPORT ATTACHED Fraud credit accounts XXXX XXXX Dept of education XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fraud inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (GA)

I had account with XXXX 3 year ago with 3 numbers after leaving the company my account was $ XXXXbalance. XXXX also never sent confirmation that my account was {$0.00} balance after asking months after & years after years all till this day..Nothing! 


Recently I at looked credit report & saw there was an account of {$430.00} from DIVERSIFIED ADJ SVC from XXXX. I called & asked I was told that was a balance own from the last # on my account ending with XXXX moved but the new own could take care of the balance also on top of that they never told him that nor me XXXX just sent me straight to collection. Now my credit is being damage so badly now I can't get a good car insurance or purchase a new car for work.
Consumer complaint received 2022-04-30
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. (MS)

The credit bureau never did a proper investigation according to the FCRA.

The term investigative consumer report means a consumer report or portion

thereof in which information on a consumers 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 acquainted or who may have knowledge concerning any such items of information. The did not do this. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everythin
g 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 ground for removal,

They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I did not give anybody written instructions
Consumer complaint received 2021-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit report is showing inaccurate multiple inquiries no authorized by me. I gave permission for the company to run ( 1 ) hard inquiry from XXXX XXXX on XX/XX/2021 for TransUnion. There were an additional ( 2 ) more inquiries by XXXX XXXX ran the following day XX/XX/2021 without my knowledge or permission. This is affecting my personal life and chances of getting denied by different creditors. I am asking for the ( 2 ) unauthorized inquiries from XXXX XXXX ran on XX/XX/2021 be immediately removed from TransUnion
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

There is an account listed on my Experian credit report that does not belong to me. This same account was also listed on my XXXX   and XXXX reports, and I was able to quickly and easily get the account removed from those reports as the account did not belong to me. Experian has not removed the account, despite attempting to submit a dispute to have the erroneous account removed. 

Experian has made it extremely difficult to submit a dispute online in order to get this corrected. I was not even able to access my credit report in order to submit a dispute until I filed a different report with CFPB back on XX/XX/2017, and Experian sent out a copy of my credit report in response. With the report number listed on the report that they mailed to me I was finally able attempt to submit a dispute online. I still have not been able to even submit a dispute for the erroneous account as Experian 's website will not allow me to complete and submit a dispute for the erroneous account.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed one account that i wanted a little more explanation ; this account ( XXXX XXXX XXXXXXXX ) is SPECIFICALLY reporting INACCURATE. I have been sending in numerous letters for the past few months and I have not gained any recognition on my dispute!!! On each credit bureau the information is reporting un-accordingly on Numerous details and XXXX, XXXX, and Experian refuse to hold this creditor accountable!! the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Each credit bureau is VIOLATING my rights and this law! 

15 U.S.C. Sec. 1681i ( a ) States that if you can't provide proof, these accounts must be deleted. Well I want this account deleted lf they are not 100 percent correct on all 3 bureaus So, could you please check on this account and get back with me? I met with the state board where a lawyer says you have 30 days to complete this investigation. 
Please investigate the following account and remove them if anything is missing or not correct on them. 

Type of Account : Charge-Off Action Requested : You Have disobeyed the FCRA laws PLEASE investigate if every piece of information is correct. If not, please remove it from my credit report. Also, please let mo know who had access to my fle. I want the investigation outcome to be sent to my address! put on the Headline. Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect. Thank you for your time and help in this matter.
Consumer complaint received 2022-04-30
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: Convergent Resources, Inc. (SC)

Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canno furnish a account without my instructions.

written 15 USC 1666B : A creditor may no XXXX  treat a payment on a credit card account under an open er consumer credit plan as XXXX XXXX XXXX and purpose.
Consumer complaint received 2021-11-04
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: EQUIFAX, INC. (GA)

I sent a letter on XX/XX/2021 and i have not received no answers. I am such in distress and i feel like my letters get ignored. I pulled my credit report and there is unauthorized used of my credit report.
Consumer complaint received 2021-06-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent out a letter To Verify The Accuracy On Credit Report. In I have not had a response. I also send out another letter just in case they didn't receive it still no respond. I Have the right to verify the Accuracy of the account being reported. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. 

Also under 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MI)

My complaint is with Citi and their credit card. Whenever a credit card company applies a customers payment to a credit card balance, they are required to apply the payment into two parts. First the minimum payment due ( applied to the lowest interest rate ) and the second portion the excess payment ( is to be applied to the highest interest rate ). 

I made a payment of {$10000.00} on XX/XX/XXXX to my credit card but they applied the payment to the lowest interest rate instead of applying it to the highest interest rate, which was Standard Purchases rate of 19.99 %. 

I have attached the statements for your review. You'll see that on XX/XX/XXXX a charge of {$10000.00} ( standard Purchase ) was placed onto my account. The very next day, XX/XX/XXXX, I made a payment of {$10000.00} but instead of the excess being applied to standard purchases, the excess was used to pay off Balance transfer offer # 4 which had a very low interest rate of 1.99 %. The credit card company should have used the excess to pay off the Standard purchases, NOT the low interest rate Offer # 4. 

My husband called the credit card company 3 times to try and have the payment fixed and applied properly. Each time, the customer service representative said that they would have another department research the error. The customer service reps agreed with my husband and thought that the payment was applied incorrectly. One representative even reversed one month 's interest for me. 

I should have XXXX dollars left in the High interest rate bucket, 19.99 % and I should have the remaining balance in Balance Transfer Offer # 4.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under FCRA I am allowed an appropriate complete and accurate report. I have contacted Transunion by mail through the United States XXXX XXXX. For this dispute I have submitted the proper self identifying documentation ( State issued ID, and Utility Bill ). I have submitted this document several times and Transunion continues to send me stall letters staying they don't believe that it is me and " Will not move forward with the investigation. '' They claim they just mirror what is being furnished to them and that it is the creditors or collectors responsibility to provide accurate information to them. But if Transunion constantly denies me my right of an investigation then how will I possible handle this issue. These stall letters and telling me they wont do an investigation after receiving the appropriate documentation Is a VIOLATION under FCRA.
Consumer complaint received 2018-02-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (GA)

We began the application process back in XXXX but because the company continued to ask for new and additional information it necessitated what they called rate lock extensions, and for each of these rate lock extensions they would add additional fees. These fees were not disclosed to us or discussed with us until the last couple of weeks and therefore it was too late to try to get a loan with another company., ( due to the recent increased rates ), It seems to us an unfair business practice to change the documentation required and then charge additional fees because of the time added due to these requests. This lender knows that if we apply for a loan now the new interest rates are higher than the ones that were available when we began the process so they know they have us between a rock and a hard place so they are unwilling to waive any of these fees.
Consumer complaint received 2023-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OH)

On XX/XX/2022, my husband and I purchased a car from a company online. We sent a wire transfer from our bank, XXXX to an escrow account at Wells Fargo. The company would not receive the money till we received the car. On XX/XX/2022, I received a phone call from XXXX from Wells Fargo that there was a problem with the wire. I called the fraud department back and was told that our money was safe in the escrow account at Wells Fargo and were told to go back to our bank, XXXX and have them do a recall on the wire so we could get our money returned. Unfortunately, XXXX XXXX  performed 4 recalls and each time Wells Fargo ignored the recall. On XX/XX/XXXX, I went to our local police department to see if they could get anywhere. Unfortunately, they were told that the money was gone and we weren't getting it back. It is now XXXX and I can't find anyone to help me in this matter. 
Thank you, XXXX XXXX
Consumer complaint received 2021-06-09
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: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized and reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be removed. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2020-06-03
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. (AR)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.
Consumer complaint received 2023-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

Caliber home loan has been processing mortgage payments that were sent on time from the DEO of Florida! Caliber Home loans know that these payments are in the building sitting in an understaffed department waiting to be processed. XXXX, XXXX, XXXX and XXXX caliber home loan received my mortgage payment within the allotted timeframes to be deemed on time. I called Caliber Home loans everyday of the week begging them to apply the payment to the account. Caliber Home loans rep explained that they have thousands to go thru but that payment will be applied. Now caliber home loans has ruined my credit and caliber home loans wants me to dispute the mark when all they had to do was protect the consumer from this terrible credit marking. My XXXX payment was in the building on time and now caliber home loans has the nerve to damage my stellar credit rating.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I had a mortgage loan from XXXX XXXX. I always paid on time, in full, by auto-pay. 

The loan was subsequently sold to XXXX in late 2019. Without notice to me, XXXX, through its loan servicer XXXX XXXX, added charges. 

One charge was completely in error - it was for property insurance, which I already carried. ( When I inquired of the loan servicer, the representative acknowledged that I carried the insurance and that the charge was in error. ) The other was for " overage '' - an undefined additional ( and therefore illegal ) charge of $ XXXX/month. 

Again without notice to me, when my auto-payment was not sufficient to cover these added charges, XXXX made a derogatory credit report. This resulted in my credit report dropping precipitously with at least one agency ( Equifax ) and my being unable to refinance an unrelated loan, then actively in process. 

I have tried to resolve this with XXXX and XXXX XXXX, but other than acknowledging my correspondence, I have not yet had resolution. 

And critically, my credit score remains impaired. 

I paid the allegedly owing amounts ( under protest ) and believe my credit should be restored to its previously higher score. 

My letter and supporting documentation are attached hereto.
Consumer complaint received 2022-02-02
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. (FL)

All 3 of my credit reports are reporting the same account containing a lot of inaccuracies. The account I am referring to is XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Account XXXX This account is reporting inaccurate late payments and I have been going back and forth trying to correct the information. If the information can not be corrected, the account has to be removed off of all 3 of my credit reports because it is reporting inaccurate information and violating the FCRA. 
All 3 Credit Bureaus are reporting that I was 30 days late in XX/XX/XXXX, then you reported again that I was 30 days late in XX/XX/XXXX. They then reported that I was 60 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. How is this so? I can not be 30 days late for two consecutive months back-to-back, then 60 days late the month right after the previous two months, and then 60 days late again the following month. It is impossible. This is a serious error in your reporting. 
I have written multiply letters dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth.