davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-17
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: COMMERCE BANK (PA)

We applied for a Commerce Bank loan ( serviced by XXXX XXXX ). They prominently advertise that after 12 months of good payments the co-signer would be released. We called and they confirmed this was correct. When I received the papers, there was no mention of the 12 month co-signer removal. I then called to question it and was read a list of conditions and told it had to be applied for. These conditions gave the bank an out in any circumstance. 

I cancelled the loan application and am writing to report that there was a definite attempt to deceive me into signing and then never being removed. Im ok with the terms, but the ran my credit, we even called and they confirmed and tried to take advantage of us. 

The application number was XXXX Thank you. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-15
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)

Hello, Please I want to be supported as I do not know what to do anymore .... I figured out accounts that are not mine. Is kind of Identity theft or I do not know how to explain them. I do not know these accounts ...., Please help me to figure our why I have them in my profile and if you can check my profile and investigate my situation. I would like them to be removed.
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (NY)

Equifax have not been honoring the fcra. They are already in deep mess. I have 5 inquiries on my report that I did not authorize. According to 15 usc 1681a I have the right to privacy and equifax violated that. They have a grave responsibility to make sure everything is accurate and correct. Congressional findings states that me as the consumer has the right to privacy,. In addition, I have never gave written instruction for these inquiries to be furnish on my report or and my report to be pulled. You exposed my info with permission. I am demanding proof of my written instruction and proof of certification according to 15 usc 1681 ( a ) ( 2 ).
Consumer complaint received 2020-09-28
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: EQUIFAX, INC. (GA)

I need to have ALL PAID Collection Accounts removed from my Credit Report. The accounts have been paid. I need them removed from the report as soon as possible. 
They have been paid for some time now.
Consumer complaint received 2022-08-29
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. (MS)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2019-01-17
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)

Please reference case number XXXX. Complaint sent to CiTiBank Credit Card disputing a payment made in the amount of {$10000.00} XXXX a company owned by XXXX XXXX which has been shutdown by the FTC for fraud. CitiBank explains the there reason for not providing help because the occurrence of fraud was detected by the FTC after 120 days of opening this account to fund the XXXX business. Why can XXXX give cover for the victim in this Ref. XXXX and CitiBank provides no help to someone who is about to loose my home. My hope was to earn money to make and honest living not to be a victim of fraud. 
Please look at the Compensation Plan pdf, these levels are for lifetime. Need Help Now!
Consumer complaint received 2022-08-29
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.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 2019-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Bank Walmart closed my Walmart store card on XX/XX/2018 due to a return ACH payment from my bank. I called Walmart Credit Services and was told that this was my second check returned within a year and it was automatically closed. I was told that I could dispute the decision only if I had documentation from my bank stating that it was the banks error. I have such documentation and I am submitting the letter to them. I thought I had previously sent in this information with my bank activity showing I had the funds to cover the payment but I still received a rejection to open my account back so I requested a more detailed letter from the bank and they sent it to me. The Walmart account should not be closed. It was a bank error and this should be re-opened. Getting through your customer service representatives is such a daunting task. This last four months has been a nightmare and I am in the middle of changing bank accounts because this keeps happening
Consumer complaint received 2019-01-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Today I received a collection letter from my mortgage company, Mr.Cooper. They want me to pay them {$620.00}. Where they came up with this number eludes me. I was told by a Mr.Cooper representative this was an attrition, escrow shortage and also required by RESPA. She told me there had to be a minimum balance in my escrow account. Federal Laws. No federal law mandates that lenders must open mortgage escrow accounts for borrowers or keep a minimum amount in this account Also The Department of Veterans Affairs does not require escrow to be used, but many lenders do.. However, the Real Estate Settlement Procedures Act permits lenders to require these accounts at their discretion. Mr Cooper took over my loan on XX/XX/XXXX. I was with XXXX XXXX previously. During the XX/XX/XXXX year they deducted {$66.00} per month for 12 months. On the XX/XX/XXXX my insurance premium went up {$6.00} per month which meant for 5 months i underpaid {$30.00}. When Mr. Cooper billed me for XX/XX/XXXX there escrow only collected {$66.00}, which meant I was now in arrears of {$37.00}. I am more than happy to pay this amount which would bring my account current. I will not pay {$620.00} Still don't know where this figure would come from unless an error was made internally at Mr. Cooper and they expect me to pay for it
Consumer complaint received 2021-06-03
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)

XXXX XXXX XXXX is illegally re-aging a debt to make it appear more recent that in it is. The original delinquency date was XX/XX/XXXX ( see attachment ). They are reporting the collection open date as XX/XX/XXXX and updating the date of last activity every month to make it appear more recent than it is. This is a clear violation of the FCRA and is illegal.
Consumer complaint received 2022-08-29
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXXBalance : {$270.00} ; XXXX XXXX XXXX XXXXXXXX  Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$400.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2019-01-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (VA)

I attempted to send payment to my landlord via XXXX, which I had done five or six times before without a problem. The transaction was scheduled for XX/XX/2019, and it reported as successful on my end. The money never arrived at my landlord 's bank. I re-sent my rent, again via XXXX, and it went through, but now I have been double charged for rent and have not been refunded for the initial missing payment. My landlord and I have both contacted his bank, XXXX XXXX XXXX, and they have no record of an inbound payment. I have contacted my own bank, Ally, several times. They closed the ticket the first time after giving me some confirmation numbers that were of no help. I contacted them again twice, with no resolution. They say they are reviewing it and that it can take up to 90 days, but I'll be missing {$700.00} from my account while they pass around my third ticket in their offices with seemingly no recourse. 

Summary : I sent {$700.00} from Ally Bank via XXXX to my landlord. It never made it to him, but it was deducted from my account. I want my {$700.00} back.
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MA)

On XXXX XXXX I went to purchase food for my children and quickly found out my credit karma debit card got declined. I quickly called credit karma a few minutes later and was informed that my account was locked or frozen and they were escalating the matter to their specialist team. A few days go by and I still dont hear anything from either credit karma or their specialist team. I have called them every single day with no resolution and no reason as to why my account has been blocked/frozen. On XX/XX/XXXX I received an email from them to send in documents to verify my identity and bank account information, and I did so. I sent them picture of the front and back of my government issued ID and a bank statement. They still will not release my account off hold. Credit karma has been nothing short of a nightmare. They are holding my ONLY source of unemployment income and refuse to release it. No matter how many times I call them, they tell me the same thing their going to escalate the matter to the higher team or your account is being looked into. I also tried to link a new bank account ( that belongs to my husband ) to try to get my money out of that account as I have no source of income because they wont unfreeZe my account. I cant transfer my funds out of the account, and even though I sent in proof of my bank statement, they are requesting more and more documents from my husbands account and still wont unfreeze my account. I have XXXX children That I have to feed and take care of. Im in a hardship right now and they are holding my only source of income. I have spoken to the credit karma supervisors, I have called the bank that FDIC insures credit karma money spend and save accounts, they sent an email to their superiors to see if theres anything that can be done. They only insure credit karma money spend and save accounts, so they dont have the power to unfreeze my account. Im not getting any answers as to WHY my account is frozen. I need help to resolve this ASAP. Thank you XXXX XXXX
Consumer complaint received 2019-01-17
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 accounts and the balance reflected on the accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation. Please remove the following accounts XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (IL)

Every month they never update the credit report they report two different amounts for each credit bureau and they never report the amount paid by me each month I always pay a extra XXXX bucks they never report that on my credit and the balance says one thing on the app that I make payments on them what they are reporting to the bureaus I owe XXXX and thats not whats being reported to them Ive called and they tell me it will be updated never do it XXXX XXXX Wi,
Consumer complaint received 2019-01-17
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. (MS)

I did not sign any contract with the following companies.. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both my interests and this company 's interest XXXX XXXX XXXX, XXXX XXXX XXXX, 01 XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, 01 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 2022-08-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (PA)

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 an open end consumer credit plan as late for any Purpose
Consumer complaint received 2019-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (PA)

My mortgage was taken over by Selene mortgage from XXXX XXXX XXXX. For the first 5 months I couldn't get a bill from them. I paid online. In XX/XX/2018 I recieved a bill from them f ok r XXXX $ my mortgage was XXXX . When I called to find out why they told me my escrow account was XXXX $ in arrears with XXXX. I called XXXX and they told me that my account was in good standing when it was sold. So I called selene back and told them that. XXXX offered to join a three way call but selene declined the offer. Selene told me I had to request a review which I did on XX/XX/XXXX and it would take 2 weeks to complete. I waited 3 weeks and called to find the outcome. They told that I would have to submit another request in writing. Which I then did. At that time I was told to mail my XXXX $ payment that they would hold it until the review was complete. Which I did. I hadn't heard anything and it was the first week in XX/XX/XXXX. I called then and was told they were returning my check. That the review would be completed for sure on XX/XX/XXXX. It is still not complete. They have now put on my credit report that XX/XX/XXXX's payment was late. XX/XX/XXXX us due now. This company is awful. Can you help?
Consumer complaint received 2021-07-15
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: EQUIFAX, INC. (MA)

DEAR XXXX XXXX XXXX XXXX XXXX CRA 'S ; I've attempted several times to ratify the issue with the XXXX XXXX XXXX and credit bureaus and they still reporting inaccurate, unverifiable information and misleading. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid - How is that even possible? If you see the attachments you will notice that the account status was never updated, inconsistent with payment history and they've failed to provide detailed information about this account such as transaction history to see the breakdown of the payment and how it was applied. What is the 1st dates of delinquency ; why didn't dates of last active. Well, it's impossible that thi account can be justified as accurate or even verifiable under the consumer laws especially section 609. SORRY FOR SO MANY INACCURACIES, INCONSISTENCIES, MISLEADING AND INCOMPLETE INFORMATION AND DATAA.
Consumer complaint received 2019-01-17
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. (TX)

Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it 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 2022-09-22
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)

XXXX  DOES NOT HAVE THE LICENSING AND RIGHTS TO COLLECT ANY AND ALL DEBTS IN THE STATE OF FLORIDA WHERE I LIVE THEY ARE REPORTING FRAUDULENT INFORMATION AND HAS DAMAGED MY LIVELIHOOD AND MY CREDIBILITY I WISH AND SEEK REMEDY FROM THIS COMPANY FOR MAJOR VIOLATIONS AND MONETARY REMEDY IF POSSIBLE WILL TAKE THIS ISSUE SERIOUS AFTER THIS COMPLIANT FOR THIS IS A SETBACK IN MY FINANCIAL AND KIDS LIVELIHOOD. 
XXXX  XXXX BUSINESS LICENSE IS NOT ONLY EXPIRED BUT IS TERMINATED AND HAS BEEN FOR MANY YEARS NOW PLEASE INVESTIGATE REPORTING AGENCY ALONG WITH TRANSUNION ENABLEMENT IN IDENTITY THEFT AND FRAUDULENT DAMAGING ACTIONS TAKING UPON ME AND MY CREDIT AND MY FINANCES. 
WILL ATTACH PROOF OF XXXX  XXXX NOT ONLYEXPIRED BUT TERMINATED LICENSING TO COLLECT IN FLORIDA I WISH/SEEK REMEDY FOR THESE DAMAGES XXXX  XXXX : TRANSUNION CONTINUES TO REPOST INCORRECT FRAUDULENT INQUIRES AND INFORMATION EVEN FRAUDULENT ADDRESSES THAT ARE NOT MINES AFTER SENDING IN IDENTITY THEFT REPORT AND POLICE REPORT : FCRA XXXX AND STILL GET ENABLEMENT OF IDENTITY THEFT AND DAMAGING MY CHARACTER AND DEFAMATION.TRANSUNION AND VIOLATING ALL MY RIGHTS : ACCOUNT NAME : XXXX  XXXX ALONG WITH ALL FRAUDULENT ON ALL REPORTING AGENCIES HARD INQUIRES TRANSUNION 6 HARD INQUIRES 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contain any of the following items of information Any other adverse item of information, othan records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information IS INACCURATE. In Accordance with the Fair Credit Report Act, XXXX  XXXX # XXXX Has Violated My Rights. 15 U.S.C 1681 Section 602A. States I have the rights to privacy. 15 U.S.C 1681 Section 6 04A Section 2 also states a Consumer Reporting Agency CAN NOT FUNISH a account WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-08-29
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. (SC)

I have 4 different accounts reporting to my credit reports. XXXX XXXX for {$12000.00}, and XXXX XXXX for {$16000.00}. XXXX XXXX for {$57000.00}. And XXXX XXXX acceptance for {$12000.00}. These are not my accounts. They were opened Fraudulently.
Consumer complaint received 2022-08-29
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: LEXISNEXIS (PA)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.