davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION (AZ)

I was mobilized by the XXXX XXXX and submitted my XXXX orders to Navy Federal for a reduced interest rate in accordance with the SCRA in XX/XX/2023. To this date, my interest rate has not been reduced and I have not received any back pay for over payment of interest. 
I would like this issue to be resolved and for Navy Federal Credit Union to become compliant with the SCRA and their policies and procedures for granting these benefits.
Consumer complaint received 2023-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd ()

https : //wise.com/ this is a website, and this is the email to make the account : XXXX. I sent to them all documents then they closed my account. i want to reopen my account but they are not replying to me.
Consumer complaint received 2018-04-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo used my escrow account to pay my neighbors property taxes for 2017. My neighbors property is larger than mine causing my escrow payment to increase unexpectedly. Once I discovered that my property taxes were not being paid months were spent trying to get an answer from wells Fargo, and was constantly told that they were paid and they could do nothing about it. After discovering and informing wells Fargo that they were paying my neighbors taxes with my money no progress was made unless I called in weekly. I was not reimbursed the full amount I overpaid.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Tesla, Inc. (CA)

Hello team, Am trying to solve this issue from more than 4 months ago, you are waiting my name and my financial future, am trying to build my financial future, am communicating with you XXXX and Tesla finance from approximately 4 months and nothing till now, zero results, I want my auto tesla loan to be effective on my credit reports on a monthly basis, I just get hard inquiry from tesla finance and 2 other finance companies, tesla finance sent my informations already to XXXX as they requested and I'll upload the email here, XXXX is not responding to tesla finance emails or my emails, I will upload also what XXXX applied with the last dispute here.
Consumer complaint received 2023-08-15
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. (VA)

I have the right to make sure that my private information is not shared which is backed by the 15 USC 6801 which states '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, Transunion, and XXXX do not have my consent to furnish this information nor did they have my written consent. Any and all consent from Transunion, XXXX, and XXXX ( XXXX of information to credit agencies ) whether it be verbal, nonverbal, written, implied, or otherwise is invoked. 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non-disclosure option ''. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years ''. These accounts are an adverse item they are reporting again without my permission which is against the law.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

In 2013, We went through months sending and re sending documents to " XXXX XXXX XXXX ''. For a modification, Harp or other wise. In the end XXXX XXXX XXXX kept our 6 % interest rate and changed us to a XXXX YEAR LOAN ... Not changing our payment enough, but makes nag them a lot more money. 
Right after that they sold our loan to Nationstar mortgage ... 

We 've checked on XXXX but though they claim to be able to get us a lower rate ... it will add XXXX dollars in fees back to the loan
Consumer complaint received 2023-08-15
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. (TX)

Hi, I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted. These are the items I demanding to be deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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. (FL)

On my credit report the wrong address is listed. On my credit report the following addresses are listed and these addresses are incorrect and I want these addresses removed from my credit report. I want the following addresses removed from my credit report immediately. These addresses are : XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Florida XXXX XXXX ) XXXX XXXX XXXX, XXXX Florida XXXX My correct address is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Florida XXXX. 

I have attached a copy of a utility as proof of my address. My telephone number listed on my credit report is also incorrect. My telephone number is XXXX
Consumer complaint received 2021-10-19
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: BHFC Financial Services INC (NV)

There have been multiple attempts to take action against the fraudulent accounts reported by the listed companies below. I have personally called and spoken with the companies to resolve this issue and no action has been taken. 

Please REMOVE all Unauthorized Accounts from my credit report : ACCOUNTS : -BHFC FINCL SRVS ( XXXX ) -XXXX  XXXX XXXX  ( XXXX ) -ORIGINAL CREDITOR ( XXXX ) THANK YOU FOR TAKING FORWARD ACTION ON THIS MATTER.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XXXX XXXX Self financial was reported on my credit profile this was fraud and I ask that it be deleted, on XXXX XXXX XXXX  XXXX was fraudulently reported to my credit I asked that it be deleted, On XXXX XXXX XXXX  XXXX was fraudulently reported on my credit I asked that it be deleted, On XXXX XXXX XXXX  XXXX was fraudulently reported on my credit I asked that it be deleted immediately, on XXXX XXXX XXXX XXXX bank reported a loan on my credit report this was ident theft I ask that it be deleted immediately, XXXX XXXX XXXX fraudulently reported a secured loan I asked that it be deleted immediately, On XXXX XXXX self fraudulently reported another loan I asked that theirs be deleted immediately, on XXXX XXXX upstart reported a unsecured line of credit this is fraudulent I asked that all these items be deleted from, y credit profile I am not able to get funding and its a defamation of character and I well take legal action .15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a concimelam demanding the deletion of the Accounts
Consumer complaint received 2018-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

XXXX XXXX XXXX pickup truck listed for sale on XXXX on central Michigan website. Asking price of {$20000.00} I answered the ad and was in contact with the seller XXXX XXXX from XXXX XXXX, NE. She said she was selling the truck because her husband had died in a bike accident and keeping it really hurt her. She stated she wanted to use XXXX XXXX   XXXX for the safety of both of us. I provided my name, address, phone number and she said XXXX would contact me with the information for completing the transaction. They notified me of the bank to send the wire transfer to and once received I would get the delivery information. The bank they first told me to send the funds to was XXXX XXXX XXXX  to the account of XXXX XXXX those funds were returned to my account minus {$45.00} with the notation " unable to apply credit ''. So I contacted the number they provided for XXXX and they reissued instructions to the XXXX XXXX to the account of XXXX XXXX That transfer was accepted and I received shipping information that the truck would be shipped with arrival on Saturday XX/XX/XXXX. I would then be allowed five days to inspect the vehicle and if accepted XXXX would release the funds to the seller.The vehicle did not arrive as promised and I have been unable to contact anyone involved in the sale. Internet fraud victim.
Consumer complaint received 2023-08-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Acra Intermediate Holdings, LLC (FL)

I was looking to purchase a home, and a friend referred me to the Real Estate Agent. He told me he could help me buy the house. I explained to him that I was self-employed and had money in my bank to make the home purchase transactions. He told me I had to pay 20 %, and I agreed. I submitted all the required documents to make the home purchase. He introduced me to his wife as the XXXX XXXX. He never looked for a home for me. I was the one who went to XXXX XXXX XXXX almost every day to find a home. One day, I found a house that I decided to purchase. I called him to let him know. Finally, he agreed to meet me in XXXX XXXX XXXX. The builder told me I would receive a {$50000.00} incentive if I decided to purchase the home, and I agreed. 

The home was {$430000.00}. With the Incentive, the house came to {$380.00}, XXXX. The home inspection and appraisal have been done. I provided all the documents the realtor and the loan originator needed to submit to the lender and builder. The home was supposed to be closed on XX/XX/XXXX. The builder told me and my realtor that I we did not close on that specific date, I would lose the Incentive. My realtor knew I was unable to afford the previous home price. I asked the realtor what the builder told him regarding the closing. He said to me that we would close on time. One week before the closing date, he told me he could not contact the builder. I told him he needed to speak with the builder because time was running out. He told me I did not need to worry about the closing date. Everything was going to be okay. When XX/XX/XXXX, arrived, the builder closed the home without my knowledge. When I asked the realtor what was happening, he told me we would close on the XXXX, which was a lie. Finally, he contacted the builder and was told that I was no longer qualified for the Incentive because we did not close on time. 

I was devastated, and I did not know what to do. I proceed with the transaction since I already gave the builder my earnest money. The realtor connected me with the title company. The title company told me the date the house would be closed. I always told the realtor and the loan originator that my monthly mortgage payment should be at most {$3000.00}. They told me that I did not need to worry because all the numbers I saw on the documents were estimates. I did not doubt them because I trusted them. I learned I would pay {$3800.00} when I went to the title company to sign my mortgage closing paperwork on XX/XX/XXXX. The realtor and loan originator lied about everything. They even made me pay both the buying and selling closing costs. 
The total home costs were {$450000.00}. Those individuals really messed me up. They took advantage.
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00}.
Consumer complaint received 2023-08-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Experian, XXXX XXXX  XXXX XXXX Please note that XXXX has the XXXX  Account showing 60 day late payment XXXX XXXX Then other 60 day late payments for the following months sequentially : XXXX, XXXX, XXXX, and XXXX. This is clearly not possible and and inaccurate information provided by XXXX. Notice they tried to say I owe XXXX more on the original lease amount of XXXX. After I called out these errors XXXX changed the status to closed, paid as agreed then reported it as XXXX percent paid in full with now only 4 30 day late payments. They have since deleted this account from my credit file because of the constant errors and deceptive tactics used by XXXX XXXX, and the FCRA laws that prevent Credit Reporting Companies from reporting late payments for the COVID Emergency time period. 

Experian is reporting that XXXX is saying the original balance is XXXX! and that I owe XXXX when I only paid the XXXX as agreed. The math is even wrong. That means they are telling you I paid XXXX to them. This is very false and inaccurate. You also have 5 30 day late payments with XXXX in XXXX and now the 4 sequential one are showing up in XXXX instead of XXXX like XXXX reports to XXXX. I am exhausted with these lies and inconsistencies. Please just delete this account. You all have severely hurt my life with this false reporting. 

Experian please do the same as XXXX and you are also subject to the same laws and must comply. XXXX XXXX is truly engaging in abusive practices and you are complicit in violating my rights by continuing to accept their lies and falsely reporting it as verified. Please delete this account immediately they are incapable of being fair and honest in their reporting. They intend to extort me, please stop enabling them.
Consumer complaint received 2023-08-16
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. (FL)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (NY)

In accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXX XXXX of XXXX # XXXX, XXXX credit # 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 2023-02-04
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. (VA)

In accordance with the Fair Credit Reporting Act, XXXX credit account XXXX with XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Also states that a consumer reporting agency can not furnish my account without written instructions.
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3500.00}
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX and XXXX XXXXXXXX. Please remove these accounts ASAP.
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX