davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (AK)

Initially, I wanted to cancel my credit " XXXX '' monitoring services with Experian but I remembered the lady time this happened they lowered my credit score by 5 points. I questioned this with the company but they gave me a blanket response which indicated changes made on my credit report.I advised them, that I reviewed all aspect of the Experian ( XXXX XXXX XXXX ) file etc and nothing has changed in a course of 3 months+.Not to mention the points dropped only w/ Experian and on the same day I cancelled my subscription. Nothing else was said or done after that. I just re-subscribed and low and behold points jumped back up. Well, on XXXX XX/XX/XXXX, I went to log into my account to downgrade my subscription but Experian blocked me from doing do because payment was due. There wasn't an option to cancel or downgrade at all and you pay in advance for the subscription. I decided to let it ride but almost everyday I was getting emails about the declined payment. I even called on the XXXX of XXXX asking them how I can downgrade, they said I need to log in..I tried explaining to them " I was being forced to pay prior to making changes ''. Well, XXXX XX/XX/XXXX, I just gave inand purchased the account again. Which brings me to another issue..Experian is still charging me taxes when I reside in XXXX, Alaska XXXX is {$19.00} but every charge is $ XXXX got tired of disputing that as well because they will not refund the money. So, the main issue besides the forceful billing habits is that I'm now locked out of my account again as of XXXX XX/XX/XXXX. I restarted my subscription on XXXX XX/XX/XXXX... but between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, Experian unlocked my credit file, lowered my score and blocked me from using not to mention entering the account. I paid upfront for 30 days of service but they want to allow me only XXXX weeks of usage.
Consumer complaint received 2022-06-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (OK)

I XXXX XXXX submitted a complaint on my wife 's account XXXX XXXX. The Amerihome representative stated my wife isn't authorized on the account so I take issue with that because she gets correspondences from them daily. After she's asked them to stop. Another real issue is they are in violation of 15U.S.C 1692 ( a ) and ( b ) furnishing certain deceptive forms. Section b outlines the liability under Section 1692k. We receive only a monthly statement ( in a positive format ) Amerihome does not mail the disclosures statement that is required by law. 
18 U.S. Code 8 outlines the obligation of the United States for ALL alleged debt. The payment statements mailed each month are just that Statements. It is prepaid by the government. In addition to that. I am aware that my signature on the promissory note is what created the funds for my loan which was actually paid in full but endorsed and sold without my permission or knowledge. There was no full disclosure. It was deceptive. 
12 U.S.C 1431 it outlines banks can't loan money. I do not want to participate anymore with this fictitious payment of monthly bills with Amerihome. Fraud negates all contracts and there is no statute of limitation on fraud. This is extortion and an attempt to steal my wealth. It is criminal activity. I will also be contacting the federal trade commotion followed by the Attorney General for criminal charges if this fraud does not stop. All debt are the responsibility of the United States Government. I do no owe Amerihome or XXXX anything. I attached an un notarized affidavit filled with facts that can't be rebutted. I will have it notarized before court and send a copy sent to the federal trade commotion and Attorney General to file criminal charges. This complaint only touched on a few violations. The fact of the matter is in 1933 we were took off the gold standard and the United States hold All obligations of debt not me. There is no money only faith in the currency the government provides.
Consumer complaint received 2020-02-17
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. (SC)

I called Equifax and reported a fraudulent account on my credit report on XX/XX/20 dispute number XXXX. They removed the dispute within days without investigating. I had to open a second dispute XXXX, and now Im having to go through the process of proving this account is not mine. I dont believe they really investigated the first time I placed the dispute.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

XXXX XXXX Services is holding a cardholder responsible for payment of charges in the amount of {$XXXX} plus unwarranted late fees and interest issued for merchandise which was stolen from the package prior to delivery of said merchandise. XXXX delivered an empty box which had its contents removed prior to delivery and the package re-sealed, and when contacted to file a claim, XXXX indicated that because it was a BestBuy purchase, claims must go through BestBuy, and the cardholder should contact BestBuy Cardmember services. A more detailed account is included as a XXXX in this complaint, which includes all amounts, descriptions, involved parties, dates, and photos. A copy of this report will also be sent to the attorney general 's office in the state in which the cardholder resides. 

After filing a police report with the local police department, attempting to file claims with both XXXX  ( the delivery carrier ) and BestBuy ( the merchant ), and attempting to file a dispute with CitiBank, the charges have not been removed from the account, no party is willing to accept responsibility, and CitiBank is continuing to wrongfully hold the cardholder responsible for the charges, resulting in a decrease of XXXX points on the cardholder 's XXXX  score since the incident, which continues to decrease with each passing month without a resolution, and contributed to the rejection of a pre-approved credit application. 

The cardholder has made multiple attempts with CitiBank/BestBuy Cardmember Services , BestBuy ( merchant ), and XXXX XXXXo reach a resolution, and because no party is willing to accept responsibility, the cardholder is being wrongfully held responsible for the charges.
Consumer complaint received 2022-09-13
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)

This is in reference of a XXXX  XXXX account I've writing the credit bureau Experian XXXX XXXX about this account for the past month regarding the the wrong information that's in there for them to remove but its there effecting my credit, if after any reinvesigation under paragraph 1 of any information disputed by a consumer an item of the information in found to be inaccurate or incomplete or can not be verified the consumer agent shall promptly delete that item of information from the file of the consumer or modify that item information as appropriate base on the result of the reinvestigation Also take into consideration this account dated since 2006
Consumer complaint received 2022-06-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX I reached out to The XXXX XXXX XXXX XXXX via certified mail in regards to a collection account for {$1100.00} on my report I have actually reached out to this company twice in regards to validating this debt. I have no contract with this company with my signature.This company doesnt have a license to collect a debt in the state of Michigan XXXX They also did multiple soft pulls on my credit report. This company never responded both times Ive reached out. On XX/XX/2022 I decided to reach out to TransUnion, XXXX, and XXXX via certified mail in regards to the collection account as well as a charge off account from XXXX XXXX and a few other accounts asking all three of the bureaus to validate these accounts. All three credit bureaus stated that the debts were verified I saw this information from the main websites they did not send me any of the documents that I asked for. I feel like the credit bureaus have failed in regards to treating me fairly. This has affected my credit score Tremendously and this has affecting me in regards to obtaining new credit.
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (VA)

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  : XXXX ( original Creditor : XXXX XXXX XXXX ) Balance {$570.00} XXXX XXXX Balance {$500.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN COLLECTIONS : XXXX SELF-REPORTED Balance {$9.00} XXXX SELF-REPORTED Balance {$480.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) Balance {$900.00} XXXX XXXX Balance {$500.00} XXXX XXXX : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) Balance {$900.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-07-17
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX regarding a repo appearing on my credit report.The company had 15 days to resond to my letter and to provide the documentation I asked for. 

After 16 days I sent another letter to this time Experian informing them that XXXX XXXX had failed to provide me proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL And that they were required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Experian provided me with results of my dispute to show the trade line has only been updated and not removed. Experian did not provide me any supporting documents that were requested.
Consumer complaint received 2017-10-10
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. (MI)

I AM FILING THIS COMPLAINT BECAUSE XXXX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS/INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS THE 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS./ INQUIRIES UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICIH CAN NOT VE VERIFIED THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE THANK YOU
Consumer complaint received 2022-12-19
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've contacted XXXX XXXXXXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payments from this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Business Factors (NV)

National business factors in XX/XX/XXXX repeatedly call my place of employment and home 7 to 8 Times a day stating I would be garnished and bank account froze if I did not set up a payment plan. I never received notice of these bills from XXXX XXXX XXXX XXXX but I had taken my children there due to emgenecies out of my control and I had no income or job but could not get the XXXX approved. Once I had a job they kept calling and threatening garnishment of my paychecks if I did not set up a payment plan which eventually I did and paid XXXX a month for 2 years but yet none of the medical debt went away and barely paid off. XX/XX/XXXX they started harrassing me for another payment plan stating the other one did not count and I were to be garnished again they kept calling my work and my phone I had to get a new phone number and bank account to stop it.
Consumer complaint received 2022-06-04
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. (VA)

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  : XXXX ( original Creditor : XXXX XXXX XXXX  ) Balance {$570.00} XXXX XXXX Balance {$500.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  : XXXX SELF-REPORTED Balance {$9.00} XXXX  SELF-REPORTED Balance {$480.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) Balance {$900.00} XXXX XXXX Balance {$500.00} EQUIFAX COLLECTION : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) Balance {$900.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

TRANSUNION COLLECTIONS : XXXX ( original Creditor : XXXX XXXX XXXX  ) Balance {$570.00} XXXX XXXX Balance {$500.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  : XXXX SELF-REPORTED Balance {$9.00} XXXX SELF-REPORTED Balance {$480.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance {$900.00} XXXX XXXX Balance {$500.00} XXXX XXXX  : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) Balance {$900.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC. (AL)

Started application process in XX/XX/2019 summited everything needed including paying for appraisal, my old mortgage company was removed from my homeowners insurance by them without my knowdege, like everything was okay with loan, two Hard Inquiry was pulled on my credit report which lowered my FICO score, was told by company everything was fine he had lenders approval letter that we should be ready to close soon then I stopped hearing from him. It is now XXXX the title closing office also stated she can not get in contact with him. They were ready to " CLOSE '' I asked for a letter of denial if we weren't going on with the loan I get this email not signed by anyone, not on company letterhead etc.. form had that I was denied due to " non proof of employment '' would not have gotten this but I asked nothing was mailed. A CPA had sent information earlier on this, I had other times I feel remarks or questions were due to my race., " why do you have two bank accounts '' giving me the impression blacks should not have two .I have text message. Amount of refinance was {$140000.00}. My home appraised for {$230000.00} with only {$85000.00} left on mortgage.
Consumer complaint received 2022-06-04
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: Self Financial Inc. (CA)

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with your credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies that are ordinarily invoked by such debt collector or creditor ; I have had an identity theft clause on my IRS record since XXXX. I am not able to file taxes electronically, I do not understand how certain companies were able to apply for a loan for me when i signed no papers asking for this XXXX loan that is now currently bumped up to XXXX from a business starting with XXXX XXXX XXXX. 
Also Incorrect Information is on my report incorrectly showing accounts are stoill open. Accounts such as : XXXX, XXXXXXXX XXXX, XXXX XXXX where I was authorized user on someone's account that is no longer open is closed due to consumer 's request. 
Also these are the companies refusing to remove these things from my credit report XXXX Dispute Dispute ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute Dispute ( XXXX ) XX/XX/XXXX SBNASELFLNDR Intervention Intervention ( XXXX ) XX/XX/XXXX have been trying diligently for years to recify this issue and I beleieve improper use of my credit report have been shared without my consent right along with credit inquires from unknown sources such as the approval of the XXXX account recently opened. My information has been misuused and distributed based on the fact of my identity theft i have had in place since XXXX with the IRS
Consumer complaint received 2022-06-04
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. (TX)

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX : XXXX ( XXXX XXXX XXXX  ) Balance : {$1100.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance : {$460.00} XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Balance : {$190.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$570.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$580.00} XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$340.00} XXXX ( XXXX XXXX XXXX XXXX ) Balance : {$240.00} XXXX  XXXX ( XXXX XXXX XXXX  ) Balance : {$530.00} XXXX XXXX  : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$190.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$570.00} XXXX XXXX XXXX ( XXXX XXXX  XXXX ) Balance : {$580.00} XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$340.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$320.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$1100.00} EQUIFAX Collections : XXXX XXXX ( XXXX XXXX XXXX  ) Balance : {$340.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$320.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$51.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$530.00}