davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2022-12-14
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: TD BANK US HOLDING COMPANY (TX)

I had an alert from TD financial on XX/XX/2022 and they had no knowledge at the time. Today on XX/XX/2022 a new address came up, and I called XXXX and transition, and they said that it is linked to the TD financial account. XXXX said that I needed to file a complaint with trade commission, and they have requested to remove the address from my credit.
Consumer complaint received 2019-06-27
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. (CA)

XX/XX/19 I reported card stolen at Costco member services. I got a new card between the dates of XX/XX/2019 I actives the new card. The card that was sent in the mail had my new picture and the same card number and card numbers on the back. When I got my card in the mail I activated it. There was 2 cards that where active. I went to make a police report on XX/XX/19 like Citi bank advised but the police advised me to go to Costco. On XX/XX/19 I went to Costco and spoke with XXXX  a manager at the XXXX XXXX Costco. She printed a report of my membership and it proofs that I reported it lost to XXXX XXXX on XX/XX/19. She told me that membership manager named XXXX XXXX would call me but, I haven't received a call. My case manager at Citi named XXXX XXXX asked me to provide my login to my account and I refused to give that information given the state I was in with my account. She referred me to call their main line. After making efforts to contact her she screamed at me and told me that she sees these type of cases all the time where people charge the account. Her tone was biased and did not properly investigate my case. 

The amounts total {$2400.00} from dates XX/XX/19- XX/XX/19.
Consumer complaint received 2020-12-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2021-11-08
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. (CA)

I, consumer, entered into a consumer credit transaction with, XXXX XXXX and XXXX XXXX. A consumer transaction in which a finance charge was involved. 15 USC 1681 ( A ) ( 4 ) under FCRA means the consumer has rights to privacy. in which XXXX XXXX and XXXX XXXX  failed to provide protection of my rights. Inclusive towards that. The Corporations failed to verify and respond to my accounts over 45 days which also violate my rights of reporting accuracy. I have sent in certified mail which I have receipts from that have yet to be verified also. Companies need to block and delete accounts from credit reports.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (MA)

This account was opened as a result of ID Theft. Ive never applied or done business with Discover Financial Services. Ive disputed this account with all 3 major credit bureaus, as well as filed a formal complaint with the Federal Trade Commission.
Consumer complaint received 2020-11-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc. (CA)

XXXX XXXX XXXX XXXX contacted me several times about an outstanding debt from XXXX XXXX. I informed the debt collectors that I had no outstanding bills for this creditor. After several months a phone tag I was able to find out that the owner of the debt was actually national rent a car. I agreed to make a payment for the amount due. The payment was scheduled for later in the week on XX/XX/13 however the collector chose to proceed with an unauthorized debit to my account the very next day. Such practice is not only in direct violation of the Fair credit consumer reporting act but also an act of petty larceny. First financial asset management was contacted and one confronted about the issue offered a refund which has not arrived in a timely fashion.
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (PA)

I bought a golf cart on credit and my first payment was due XX/XX/XXXX. I went online to the credit cards website on XX/XX/XXXX to pay my bill and a late fee was assessed on XX/XX/XXXX! I contacted them on XX/XX/XXXX to request this be removed immediately and to confirm back it was not reported to the credit bureaus. They have not responded to me yet ... 3 days later. 

I want this resolved and I also want the proper authorities to have this company stop the practice of levying late fees BEFORE a due date!!
Consumer complaint received 2022-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MI)

I was using the Cares Act, I had 3 " trial payments '' due by XXXX that I completed paying on XXXX. 

I have been in CONSTANT contact with my point of contact, XXXX XXXX, every day. I have uploaded all docs to their website and Loss Mitigation email. 

Tonight, on XXXX, I was called, not by my Point of Contact, but someone else in Loss Mitigation. She asked for items I had already sent in. Again. Uploaded to their website, emailed to their employees. 

Shellpoint never did my Modification, their MERS report said I was married to the coborrower, we were never married, it didn't say that anywhere else, and I'd written the required letter, which of course they could not find. 

I was on the phone for an hour with them. She called to give me a NEW way Shellpoint was going to do my Modification, leaving the coborrower on the mortgage, tho he's been off the Deed for over a year, and I have a court order. 

After this terrible call, I went on their website to RE-UPLOAD and RE-EMAIL all the same items I'd already sent in. 

Shellpoint had added a {$15.00} LATE FEE on the Loan. Nothing was late. This is not allowed via the Federal Cares Act. And again, nothing was late. 

But then I read the top 2 columns, dated TODAY, XXXX after an hour long conversation with their Loss Mitigation Worker who called me : -Investor Loan Sale -Inv Loan Purchase Yes, they can sell your mortgage during a loan workout, but they have to tell you 15 DAYS BEFORE.

Of course, their response here will LIE.

They called me. The same day, AFTER, the loan was sold to another, unknown company, with no notice, no letters, no calls, no emails.

They snuck in a {$15.00} lying Late Fee, it was NOT late.

They snuck in a PMI payment too, that should have been removed a year ago. 

Now I'm in the middle of a Federal Modification, Shellpoint was REQUIRED to tell me, I have a court-order to remove the coborrower from the mortgage, and they sold it. 

Don't worry, like on all these other responses, they will LIE. 

But if they say they told me it was being sold 15 days ago, why did they call me tonight? And I received XXXX emails today? On a loan they most certainly did not tell me they sold, asking for more personally identifying information and proofs. 

Shellpoint is NOT FOLLOWING any MORTGAGE REGULATIONS.
Consumer complaint received 2022-10-19
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: Experian Information Solutions Inc. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date OpenedXXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX Open Date XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

This complaint is for ALL Future, Past, And Current reports to my consumer report.

15 U.S. Code $ 1681b - Permissible purposes on my 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 consumer I am demanding the deletion and correction of any and all accounts IMMEDIATELY.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : 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
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX I have previously contacted your company about this account XXXX XXXX  XXXX  with account # XXXX and this account was deleted from my file and did not show any more. I am writing because upon checking my account again, this account has been relisted and reasserted to my credit file and I was never notified of this being relisted with credit agencies. 

The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Under 15 USC 1681i ( B ) ( ii ) this is a violation of my rights and under TILA LAW this is a major violation. They are also violating my rights under Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent.

This collection being added to my file has hurt my report and I demand this account be removed and blocked from being reported. and under TILA VIOLATIONS I DEMAND VIOLATIONS PAYMENT OF {$5000.00} AND ACCOUNT REMOVAL ASAP.
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. (TN)

SInce XX/XX/2018, I have been disputing incomplete, inaccurate information. Some of the items have been removed, some come back, and some have been completely ignored. These accounts have not been verified 100 % and I am asking that the credit bureaus remove all unverifiable information and correct my personal information. My credit seem to be mixed up with someone else, So therefore I am also providing my ID with my correct name, address, and dob. Please correct my information and remove all of these unverifiable accounts this is hurting my credit. 


EQUIFAX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX XXXX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX XXXX  Account Number : XXXX, Account Number : XXXX, Account Number : XXXX
Consumer complaint received 2022-10-19
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: Experian Information Solutions Inc. (TX)

I've attempted to contact the reporting agency several times over the past year. XXXX XXXX XXXX has been incorrectly reporting a collection account and the agencies refuse to verify and validate the account.
Consumer complaint received 2022-10-19
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: Early Warning Services, LLC (TN)

I am a small business owner who was affected by the pandemic just like millions of other hard-working individuals and I was awarded two disaster relief loans. XXXX XXXX XXXXXXXX, without consulting me, closed my account and debited my account nearly over {$15000.00} as if I were in receipt of the funds fraudulently causing me not to be able to open accounts at any larger, national bank and Early Warning Services won't allow me to dispute what they have done to remove the erroneous charge-off. I owe nothing to XXXX XXXX XXXXXXXX. In fact, I have been a loyal customer for nearly 20 years, and they treated me like a common criminal within the past year when all they had to do was ask for my loan documentation to verify the loan proceeds that I received for my business.
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AL)

There is a collection placed on my credit XX/XX/2019 for a account i have never had or heard of for XXXX cable. They FRAUD collection company that placed it on my credit reports is claiming its from XX/XX/2019. I havent used comcast in 10 years and dont owe a debt. This is not my account at all
Consumer complaint received 2019-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

ATTENTION REGARDING XX/XX/2018 THIRD PARTY REIMBURSEMENT transaction on my XXXX sole account XXXX XXXX XXXX XXXX XXXX XXXX nd  XXXX XXXX bank OF America allowed a third party the capability of accessing my account without my permission or knowledge. 
I just got hung up on by XXXX at XXXX boa customer service while being placed on hold for 25 minutes. then I was told she could not access my 2018 info and then I asked her again to tell me WHO IT WAS THAT BOA let have third party access to my account. She said she did not know and hung up on me XXXX XXXX and Mr XXXX of boa regulatory admit to the third party transaction but brush it off as it WAS only {$15.00} .... 
Mr XXXX XXXX and XXXX XXXX and XXXX XXXX were advised numerous times that I needed the third party info but to date will not disclose the info. 
I still have not found out who transferred my life savings and settlement monies but knowing who bank of America let have third party access to make any type of transaction to my own sole account is certainly helpful
Consumer complaint received 2020-02-09
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)

I have disputed inaccuracies on my credit report to experian multiple times over the past year including in writing in XX/XX/XXXX, as well as electronically. XX/XX/XXXX I received dispute results Report # XXXX. Items stated as deleted are still showing on my credit report as of XX/XX/XXXX. 
XXXX XXXX acct # XXXX XXXX was not my responsibility, and after self research I found this account to be closed, with a XXXX balance yet is showing on my report causing me financial detriment. I am requesting all items in collection be removed as they are not mine, nor has Experian provided any validation information on said accounts as requested. I also requested the removal of many hard inquiries not authorized by myself. 

Your kind and prompt attention is greatly appreciated. 
Sincerely XXXX XXXX
Consumer complaint received 2022-10-19
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. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 2022-03-23
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. (AZ)

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries XXXXXXXX XXXX XXXXXX/XX/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 2022-03-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (CA)

Carmax Auto Finance XXXX # XXXX is continually reporting late payments yet Ive never been late paying my auto loan here is a list of incorrectly reported late payments by carmax auto finance XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX Ive read many complaints from other consumers and have realized that this is an on going practice of Carmax Auto Finance.
Consumer complaint received 2021-11-08
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: ACIMA CREDIT, LLC (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX  XXXX Balance {$3500.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-10-19
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. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 2022-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ability Recovery Services, LLC (NJ)

I did not receive anything about debt or credit owed before account went into collections and really hurt my credit score. I have been working on my credit for over a year and dealing with Credit pros to increase score. The collections action was random and hindering me from purchasing a home and a lot more. The collections action was not fair at all especially for a small amount I knew nothing about, let alone proven to be me that has made any purchases or owned any credit cards
Consumer complaint received 2022-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

As per our mortgage company XXXX request, I will send over the XXXX completed bank statements with no wipeout proving we had been made payment the only XXXX missing payment was on our mortgage transferred on XX/XX/2022. We are still making monthly payments to our lender. 
Our Note was transferred twice in 60 months.