davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (DE)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-05-06
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)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible or face a class-action lawsuit if this complaint will be disregarded.
Consumer complaint received 2020-11-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.
Consumer complaint received 2022-05-06
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. (NY)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible or face a class-action lawsuit if this complaint will be disregarded.
Consumer complaint received 2022-05-06
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. (NY)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible or face a class-action lawsuit if this complaint will be disregarded.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-06
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. (PA)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2017-05-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (FL)

i purchased my home in  XXXX   XXXX  which was financed through  Homebridge  with a VA mortgage. Initially my piti payment was  XXXX  then in  XXXX  after escrow analysis my payment went up to  XXXX  now again in  XXXX  they have increase my  PITI  p to  XXXX . This is an extra  XXXX . / year they are collecting from us now when our property taxes have only increased by {$1500.00}. I have called HomeBridge several times during this month -  XXXX   XXXX  - for a response to why they have increased our payment so much. They sent us another projected escrow analysis which is not even correct. no one will call y ou back from the escrow department and customer service department can not transfer you to anyone to discuss either. This is a serious financial hardship for a family of a  XXXX  vet when you purchase a home with a fixed rate mortgage and you are being over charged for your escrow with your monthly mortgage payment increasing {$450.00} over 18 months and No One will discuss this with you to verify why. I am reaching out for some assistance and to have our escrow reassessed so we have a more accurate monthly payment.
Consumer complaint received 2022-05-06
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: NAVY FEDERAL CREDIT UNION (AL)

In accordance with the fair credit 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 can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for anv purpose.

XXXX XXXX
Consumer complaint received 2022-05-06
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. (AZ)

On XX/XX/XXXX I sent a certfied letter to Experian asking they do a complete investigation on the accounts I List below. They responded back shortly stating that it was all verfied 100 %. 
But theres no way that it was verified and it wasnt 100 % accurate. I know that the FCRA states 15 USC 1681 everything has to be % 100 accurate to be reporting on my report. On XX/XX/XXXX I sent another certified letter asking for a reinvestigation due to innacurate information reporting still on my report I asked how did you verify these accounts as accurate? I told them 15 USC 1681 ( S ) ( 2 ) states its the furnishers responsibility to responsibility to be report to cra and its there responsibility to make sure its % 100 accurately reporting on my credit report. 15 USC 1681 section 602 States I have the right to privacy.15 USC 1681 Section 604 Serction 2 states a consumer reortimng agency can not furnish a account without my written instructions. I have been violated and under these grounds there needs to be deletion of accounts I list below. I gave them the account info with the inaccuacies and an opportunity to follow the Law according to the FCRA. 1 week and half later they sent me back " VERIFIED '' NO CHANGES. They didnt even send me a updated report the first time or 2nd timen stating there findings. I totally feel Experian doesnt care about what the FCRA says when it comes to my credit report that is why Im coming to the CFTB . These are the accounts with inaccuracies XXXX # XXXX payment status inaccurate, showing scheduled payment amount on a closed account, no closed date, no last activity date.XXXX XXXX XXXX  XXXX XXXX payment history showing 180 days consecutively, they took payments but never applied to account, they never sent me billing information.XXXX XXXX XXXXXXXX XXXX XXXX pay history inaacurate showing 60,30,30 late reporting.XXXX XXXX XXXXXXXX # XXXX showing closed account but showing scheduled payment amount, no closed date showing, no last activity date showing.XXXX XXXX XXXX XXXX XXXX XXXX XXXX no date last activity. XXXX XXXX XXXX XXXX # XXXX shows charge off amount is diffrent than balance owed amount in unpaid balance section, showing usage, showing credit utilization, IRS states that all chargeoffs are considered gross income 1099 -C therefore shouldnt be on credit report only debt not income should be reporting on report. XXXX XXXX XXXX XXXX # XXXX chargeoff amount is diffrent than balance owed amount, showing credit utilization, showing in pay history XXXX  XXXX, XX/XX/XXXX XXXX  IRS states that chargeoffs are 1099 C considered gross income and shouldnt be on credit report only debt on credit report not income reporting on credit report.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (DE)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2019-06-27
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. (FL)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THIS ACCOUNT UNDER MY NAME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER TO CORRECT YOUR CREDIT REPORTING INACCURACIES.
Consumer complaint received 2021-11-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc. (FL)

I SEND CARMAX AUTO FINANCE A RESCISSION OF SIGNATURES ON XX/XX/2021 WHICH IT WAS RECEIVED ON XX/XX/2021 FROM THAT DATE THE COMPANY CARMAX AUTO FINANCE HAD 20 DAYS FROM IN WHICH THEY RECEIVED MY RECISSION OF SIGNATURES DOCUMENT AS STATED IN 12 CFR 226.23 ( D ) ( 1 ) ( 2 ) & I WAS SUPPOSED TO GET BACK MY VEHICLE I NEVER RECEIVED MY VEHICLE & THE COMPANY SOLD MY VEHICLE IN WHICH CFR 1006.22 ( e ) ( 1 ) ( 2 ) ( 3 ) ( e ) Nonjudicial action regarding property. A debt collector must not take or threaten to take any nonjudicial action to effect dispossession or disablement of property if : ( 1 ) There is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( 2 ) There is no present intention to take possession of the property; or ( 3 ) The property is exempt by law from such dispossession or disablement.
Consumer complaint received 2019-08-29
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: WELLS FARGO & COMPANY (VA)

The claimant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ***Legal Notice & - Complaint- XX/XX/2019 - - Wells Fargo Bank/Wells Fargo/To whom this legal notice and complaint concerns : - - - - Today is XX/XX/2019 This is a final notice demanding from Wells Fargo and any company that has a name of Wells Fargo in its business legal name and operates in the United States and also a legal Notice to its decision makers ( involved in invading my rights to privacy and peace continuously in addition to violating many other laws and against me ) to please comply to law and that you are commanded now by law to : - -immediately stop your interfering in any of my personal credit reports or files with any credit bureau. 
To stop your invasion against my privacy. -To stop your falsifications and misleading interferences against my financial records. To stop your blackmailing against me. To stop your continuous harassments against me. -to cease from any of your recorded intimidations and threats you made against me .To stop your illegal interfering against my credit reports since Currently You dont have any open credit or deposit account that I authorized ever you and at any time and to open it and on my own will and not by your own intervention against my will to cover up your other violations you did at any time and against me and/or the public and/or consumers - -Who are you that you think you can force me to submit to your own illusive will? Any of your usual criminal threats and activities against me would cost you more serious legal consequences and you would be prosecuted in a criminal case too. 
- - You have no business need to know and neither any type of my consent now and to interfere or change or do anything with my information within any credit bureau. 

_____________ You must not alter, destruct or delete or get rid of any information related to my person and that you stored in any form and it is all evidences and you are noticed of all the above and not to destruct evidences and you must comply and this was a final notice .- - Currently, there are legal case/s against you. - - - Therefore, you must stop your blackmailing and interference into my private personal credit reports within any credit bureau and at any time and secondarily you must also comply and preserve all evidences as directed above. 
- Sincerely, -. 
_______The claimant ._______ -XX/XX/2019 - - - *** without waiving my rights, all stated herein is subject to any correction or anything at any time and by my person or my representative and without notice and all herein is to my current states belief, knowledge and understanding. 
XXXX receipt of this complaint is your consent to immediately comply to all the above legal notice - - - XX/XX/2019. I  reserve all my rights.-
Consumer complaint received 2018-11-02
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: CITIBANK, N.A. (MA)

Citibank sent me a letter that they closed my account with no reason. My payments were made on time for the 3 years I had the credit account. 

They are telling me that this is based on information in my credit report which is not there. They also ran my credit without my permission. 

I spoke with an XXXX at Citibanks executive response team. He was rude and demeaning, hung up on me twice, refused to give me his supervisor and told me if I called block my number would be blocked.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I allowed XXXX XXXX pull my credit XXXX on XX/XX/XXXX. We could not agree upon a payment so I left. It clearly states on all of my credit reports to verify all identifying information before extending credit due to identity theft issues in the past. I ordered my credit reports because my score was dropping weekly. I then found out that there were XXXX different lending institutions that inquired on my credit ( depending on credit report ). I called Transunion just now XX/XX/XXXX at XXXX to try and dispute the inquiries. The representative said the only way to get a deletion was to get the lending institutions to give me a letter stating they made a mistake in pulling my credit report. I explained to the representative that the companies would n't do that because then they would be admitting to ignoring permissible purpose, he said that was all that Transunion could do and that was the only procedure. I have contacted as many of the lending institutions as I could with a return receipt letter asking them to take off their inquiries or proof that I authorized the pulls for credit. I still have to deal with XXXX and XXXX tomorrow.
Consumer complaint received 2018-04-25
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. (IL)

I was affected by the data breach and my information was compromised. I also had a mixed file. I have taken the additional steps an placed a fraud alert on my reports. I have disputed this information with all 3 bureaus and the information has been removed from the other 2. I never applied for credit with these companies nor did I authorize any to pull my credit.
Consumer complaint received 2022-05-06
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  Account : US Department of Education/XXXX  for {$22000.00} on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for {$210.00} on XX/XX/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 an account without my written instructions.
Consumer complaint received 2019-06-27
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. (FL)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THIS ACCOUNT UNDER MY NAME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER TO CORRECT YOUR CREDIT REPORTING INACCURACIES.
Consumer complaint received 2019-03-22
Product: Credit card or prepaid 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. (TX)

I was charged by a company in XX/XX/XXXX that should have never had my card. They ran the card 3 times. I disputed what I thought was all 3 charges on XX/XX/XXXX and 2 of the 3 we're resolved and credited back XX/XX/XXXX. On XX/XX/XXXXI called in to check on the 3rd charge and was informed that it wasn't disputed so they put in the dispute in XX/XX/XXXX for a charge of {$180.00}. This charge has still not been resolved as of XX/XX/XXXX. I call in every month because I am getting charged interest on this dispute and I'm being told that someone is escalating my account and that they need 3 to 5 business days. I get transferred around and put on hold and still don't have my money back or the interest I have been charged. 60+ days on a dispute is horrible customer service.
Consumer complaint received 2019-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (MA)

On XX/XX/XXXX I received a bill that was not in my name or my physical home address that I had owed money to the XXXX XXXX   XXXX. I contacted the company and informed them the address that they had on file was not mine, the first name was miss spelled and I was not going to pay for something that I never opened up. The company stated that the debt or the credit card had been open since XX/XX/XXXX. The address that it belongs to is my neighbor and who is charging from my social security # somehow they got my mail with my social security My neighbor who I thought was my friend passed away early in XX/XX/XXXX her name was XXXX but her husband XXXX is still alive. I told the company I never open up this account and I didnt understand why it was put in my mailbox, its not my address it probably was my neighbor who put it in my mailbox They sent it to a debt collector. I contacted the debt collector spoke to XXXX and mention that this is not my debt XXXX told me I have to go to the police station to file a report. I wish I could do so in XX/XX/XXXX I was hit by a car. I had been in the hospital for many months not knowing if I was going to XXXX or XXXX. From the accident my life has not been the same. I can XXXX XXXX, I have to use a XXXX  or a XXXX. I can XXXX XXXX, Im on XXXX. My XXXX  XXXX  has XXXX XXXX every where. I should have died when I was hit. I am constantly at doctors appointments. I have every single health issue under the sun. I wish it were so easy for me to just go to the police station and file the report. I had called the station and ask them if they could come to the house because its very hard for me to get around. And they will not do so. 
And in XX/XX/XXXX when I received this bill it was {$58.00} now they jacked it up all the way to {$290.00} I told the company I was not going to pay for something that Im not responsible for and they were on my side but yet they still sent it to a debt collector. I guess they have no consent if you have identity theft or not they dont care they just want their money. 
I looked at my credit report and I saw that it was put on there and I even wrote a letter to the credit report agency that it was not my debt but its still on there.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

THIS IS NOT A DUPLICATE COMPLAINT. 
XXXX XXXX XXXX is reporting an account with the INCORRECT ACCOUNT NUMBER, thus all three bureaus are reporting on this item incorrectly. The account number XXXX. The collection was originally through a lender called XXXX. XXXX XXXX XXXX, however, only reports with their reference number XXXX. Because of this error, XXXX   reports the item as Open and active in collections. XXXX   reports the item as a Charge Off, meaning that I still owe money for the account. Equifax still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I have been trying to refinance my mortgage and this issue being displayed incorrectly is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point where theres no other option.