davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
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. (NY)

After reviewing my credit report on XXXX I identified a discrepancy with account listed under XXXXXXXX XXXX XXXX and validation was requested as this was an account that I did not recognize and it is affecting my credit report. I sent a letter via USPS certified mail to all 3 credit bureaus but my credit report is still negative with items I did not authorize. I checked my credit report recently there are still accounts there that investigation did not remove it from my credit report In accordance with the fair credit reporting act, everything has to be 100 % Accrate on my credit report and Under 15 U.S Code 1681e ( b ) And 15 U.S. Code 1681i ( 5 ) these Accounts are in violation and not reporting 100 % accurate.
Consumer complaint received 2022-08-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2022-08-05
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. (NV)

I have sent multiple letters to the 3 main credit bureaus regarding a late payment that is not verifiable that is still reporting to my credit scores. The first letters were sent 91 days ago, then another round of letters sent 70 days ago, and the last round of letters were sent out 26 days ago. 

The one late payment from XXXX XXXX that is reporting is not verifiable as I've already spoken with XXXX XXXX and they do not report any late payments that are under 60 days. 

So how is this still showing on my credit reports?
Consumer complaint received 2022-08-05
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. (MO)

EXPERIAN : XXXX : AND XXXX XXXX XXXX XXXX  XXXX ; ACCT # XXXX $ XXXX AND CLOSED XXXX XXXX  XXXX  XXXX ACCT XXXX XXXX {$2900.00} CLOSED XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OFF CLOSED XXXX XXXX ; # XXXX XXXX XXXX OFF CLOSED XXXX/XXXX/XXXX, ACCT # XXXX {$3500.00} PAID OFF CLOSED XXXX XXXX, ACCT # XXXX {$490.00} PAID OFF CLOSED XXXX  XXXX  # XXXX {$360.00} PAID OFF CLOSED XXXX  XXXX  SERVICES # XXXX {$8800.00} XXXX XXXX  XXXX # XXXX $ XXXX OFF CLOSED XXXX XXXX XXXX, # XXXX XXXX XXXX OFF CLOSED XXXX  XXXX/XXXX XXXX, ACCTS, # XXXX XXXX XXXX $ XXXX $ XXXX XXXX  XXXX/XXXX, ACCT # XXXX $ XXXX OFF CLOSED XXXX XXXX XXXX Credit reporting Improper use of your report XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX  XXXX, AND XXXX XXXX XX/XX/XXXX Closed No consumer response XXXX XXXX XXXX Credit card debt Communication tactics XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX Closed Sent to Regulator FTC XXXX XXXX XXXX Credit card debt Took or threatened to take negative or legal action XXXX XX/XX/XXXX Closed Sent to Regulator FTC XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XX/XX/XXXX Closed Sent to Regulator FTC XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/XXXX Closed Sent to Regulator FTC Previous Next ADD POSITIVE ACCOUNT ACTIVITY XXXX XXXX XXXX, # XXXX $ XXXX {$2700.00} PAID OFF XXXX  XXXX, # XXXX {$6000.00} PAID OFF XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} PAID OFF FIRST XXXX  XXXX ACCNT, # XXXX {$6000.00} PAID OFF
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (FL)

I have been a victim of identity fraud and my information was exposed on several different data breaches there is information on my report that is incorrect and I have asked to be removed items that do not belong to me wrong address names inquiries and telephone numbers these things are hindering me from obtaining credit and causing great hardship to me this makes it easy for thieves to keep applying for things in my name i had no idea all these things where on my profile until doing some research last year i an just getting around to asking for them to be removed
Consumer complaint received 2022-08-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

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 a account without my written instructions
Consumer complaint received 2022-08-05
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Ive tried multiple times having these items remove from my consumer report and nothing has been done about it under the federal law it clearly states that I have a right to privacy as it is there grave responsibly well as they had no promissible purpose to furnish these my personal information has been put into the world. 15 usc 1681b ( 2 ) - a consumer reporting agency may furnish a consumer report under the following in accordance with the written instructions of the consumer 15 usc 1681a ( 4 ) -congressional findings there is a need to insure agencies exercise their grave responsibility with fairness impartiality and respect for the consumer right to privacy
Consumer complaint received 2022-08-05
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. (NY)

In accordance with the fair credit reporting act XXXX  XXXX XXXXXXXX XXXX accounts # 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 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It is unfair that I was charged with a late payment with out notification of when the payment was due. I had to sign up on line to do on line payments. When I made the payment and they did not process my payment accurately.
Consumer complaint received 2022-08-05
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. (NY)

the following companies have reported unauthorized inquiries on my consumer report without my knowledge. these inquiries are Equifax : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (MS)

Ive called the company multiple times no resolution. Stated will call back they never do. Reach out to all credit bureaus and they tell me to dispute, which I have numerous times and no change. The charge off account has been continuously reported since being charged off XX/XX/XXXX. It Also is showing inconsistent balances across the bureaus! XXXX has the account to be opened XX/XX/XXXX, collection/charge off high credit of XXXX last active XX/XX/XXXX last payment XX/XX/XXXX. XXXX has the account to be Paid and opened as of XX/XX/XXXX high credit XXXX payment status unknown last active XX/XX/XXXX last payment XX/XX/XXXX. XXXX has the account to be derogatory and opened as of XX/XX/XXXX high credit XXXX, collection/charge off last reported XX/XX/XXXX last active XX/XX/XXXX last payment XX/XX/XXXX. The account has been settled for less than original amount but a balance still reflects the file. This account has caused me XXXX of dollars, a job and the ability to purchase bc of adverse history.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

On XX/XX/2022 I was made aware that my identity was stolen. 

I attempted to review my Equifax Credit report at https : //www.annualcreditreport.com/ After entering my details into the Equifax identify verification form, Equifax 's website said : " We can't complete your enrollment at this time. Please call the XXXX XXXX XXXX at XXXX. XXXX XXXX is available XXXXXXXX XXXX and XXXXXXXX XXXX ET, XXXX ; XXXX XXXX and XXXXXXXX XXXX ET, XXXX. '' I called customer care to resolve the issue, but they were able to offer XXXX support regarding the website. The agent was essentially unable to understand my request and instead submitted a request for a mailed, paper copy of my credit report. 

The agent repeatedly directed me to Equifax 's website, as if that wasn't something I was already doing. 

I specifically asked for an alternate team that can provide support for the website or to speak with a supervisor, but the Equifax agent advised that there was not another team and was exceptionally hesitant to allow me to speak with a supervisor, saying " They're busy '' repeatedly without providing any time frame over which a supervisor ( or someone else who could assist with my request ) could assist.
Consumer complaint received 2022-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

Contacted Truist XX/XX/2022 prior to payoff of mortgage. ( spoke with XXXX ) Contacted Truist XX/XX/2022 to validate all info was correct to expedite escrow refund check before funding. Customer service rep was to call back to confirm. No response. 
Contacted Truist XX/XX/2022 sent all proper documents to special loans dept and was told they would reach out to me and confirm. No response. 
Loan funded and mortgage completely paid on XX/XX/2022 Contacted Truist XX/XX/2022 to check status-I was disconnected Contacted Truist XX/XX/2022 email sent to his supervisor ( spoke with XXXX ) and no response from supervisor Contacted Truist XX/XX/2022. 1st check was sent on XX/XX/XXXX, XXXXnever received. 
Going to research what happened to 1st escrow refund check and send out 2nd check Contacted Truist XX/XX/2022. Spoke with XXXX. 2nd refund check sent XX/XX/2022 and should take XXXX business days. 
Contacted Truist XX/XX/2022. 2nd escrow refund check actually sent XX/XX/2022. XXXX makes numerous notes Contacted Truist XX/XX/XXXX, XXXX escrow refund check never received. Will submit another research request for XX/XX/2022 and will contact me via phone call or email confirming result of research-never received call or email from Truist about 2nd escrow refund check Contacted Truist XX/XX/XXXX, XXXXspoke with XXXX. Checking on getting check at local branch. Will send 3rd escrow refund check with tracking number. Will call back with tracking number or have supervisor/mortgage dept email me. Again-no response Contacted Truist XX/XX/XXXX, XXXXspoke with XXXX. Took numerous notes, tried to contact supervisor with no success, filed a complaint, and said a supervisor would contact me within XXXX hours XXXX XXXX, XXXXno response from Truist
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-05
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. (TX)

I noticed that a new credit card from XXXX XXXX XXXXXXXX XXXX has been opened up in my name a few weeks ago. The person who opened the account sent {$1200.00} already and maxed out the credit card and defaulted the payments. Upon contacting the XXXXXXXX XXXX  they told me they will start investigating. 

They called me up today to tell me they do not think its a fraud because " someone paid the bill ''. Upon further inspection the XXXX XXXX rep told me that someone opened up an account in my name on XX/XX/2022. On XX/XX/2022 around XXXX XXXX XXXX  XXXX, a guy identifying himself as XXXX XXXX called XXXXXXXX XXXX and told them that he is my husband and that I had authorized him for this account. He then spent {$1200.00} on that credit card but also somehow managed to make a small payment. The XXXX XXXX account that was created under my name had the last XXXX digits XXXX. He also assigned an email " XXXX '' with this account. The address provided by the person who opened up the account -- XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX -- is not an address where I have ever lived or been to. 

The bank closed the investigation I asked them to conduct because they believed a " fraud would not make a payment with a checking account ''. 

Please help me with this. I am single, live alone, never been married. Whoever opened up an account under my name and is using my identity is a fraud.
Consumer complaint received 2022-08-05
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. (TX)

I noticed that a new credit card from XXXX XXXX XXXXXXXX XXXX has been opened up in my name a few weeks ago. The person who opened the account sent {$1200.00} already and maxed out the credit card and defaulted the payments. Upon contacting the XXXXXXXX XXXX  they told me they will start investigating. 

They called me up today to tell me they do not think its a fraud because " someone paid the bill ''. Upon further inspection the XXXXXXXX XXXX rep told me that someone opened up an account in my name on XX/XX/2022. On XX/XX/2022 around XXXX XXXX XXXX  XXXX, a guy identifying himself as XXXX XXXX called XXXXXXXX XXXX  and told them that he is my husband and that I had authorized him for this account. He then spent {$1200.00} on that credit card but also somehow managed to make a small payment. The XXXX XXXX account that was created under my name had the last XXXX digits XXXX. He also assigned an email " XXXX '' with this account. The address provided by the person who opened up the account -- XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX -- is not an address where I have ever lived or been to. 

The bank closed the investigation I asked them to conduct because they believed a " fraud would not make a payment with a checking account ''. 

Please help me with this. I am single, live alone, never been married. Whoever opened up an account under my name and is using my identity is a fraud.
Consumer complaint received 2022-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV INC. (WA)

I received a letter from TRS recovery services that I owed two payments to XXXX for items I had purchased at XXXX. My bank, XXXXXXXX XXXX in XXXX WA was purchased by XXXX XXXX XXXX and it was in the transition period that I went to XXXX XXXX Wa to XXXX and purchased several item for a total of {$180.00}. I tried to use a debit card from my bank, XXXXXXXX XXXX and it was blocked. I did not receive any checks from XXXX XXXX XXXX for few days, so I used an XXXX XXXX  to pay for the items. I also received another letter from TRS recovery services in the amount of $ {$27.00}. They are adding a {$30.00} fee for a total of {$320.00}.
Consumer complaint received 2022-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

Truist has been overcharging me. They increased my escrow back in XX/XX/2022, but my taxes did not increase nor did my insurance. I verified this with the city , county, and insurance company. Truist 's own tax department confirmed that Truist made a mistake and should not be overcharging me. however, Truist continues to overcharge me, and the company completely ignores my calls and emails. Customers are made to wait on hold for 1+ hours each time we call. The " client advocacy '' department never ever picks up the phone or calls back. This is illegal for Truist to increase my escrow and overcharge me. I have already submitted a complaint to the XXXX but they still haven't dealt with the issue. I have also complained to FDIC but they referred me to you. 
This is not the first issue I've had with Truist. their online system was broken for months and wasn't properly processing my mortgage payments. once again, I couldn't reach anyone by phone, and their online chat function doesn't work. instead of fixing the issue, they kept showing my mortgage as " late '' despite me trying to pay every month online and their system being broken. they are the WORST bank I have ever dealt with. Why are you allowing them to treat customers this way? They are literally stealing my money and getting away with it, and I have no recourse! 
Truist keeps telling me and the XXXX  that they're " working on it '', but nothing ever gets resolved or fixed. there's no point of contact, and no one I speak with has any information on the resolution. i'm so exhausted from spending so many hours on this simple issue they refuse to correct.
Consumer complaint received 2022-08-05
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. (IL)

I am XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted immediately.
Consumer complaint received 2022-08-05
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. (OH)

Victim of identity theft/fraud since 2016. Have filed a dispute several times with police reports. Credit reporting agencies have failed to remove fraudulent accounts. I have done everything I could to get this resolved. Im a victim suffering defamation and identity theft. Accounts frequently keep getting put in my name without my consent and affecting my credit. Equifax is no help with this severe issue. I have submitted several disputes since it first appeared on reports. They refuse to provide me any proof of this being accurate because its not accurate.
Consumer complaint received 2022-08-05
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. (TX)

Transunion you verified this account now [ validate } this account as per enclosed documents 15 days should be enough for you because you verified it you should have the records right