davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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)

Equifax is listing this account status as INDETERMINATE while the other bureaus report it as CLOSED. 

Equifax is also listing a date of last activity as XX/XX/XXXX while the other bureaus are reporting different dates of last activity ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ). This indicates the account was illegally re-aged. 

The last reported date is also listed as XX/XX/XXXX, which also means this was never legally verified. 

Equifax also continues to report positive payments on a closed account.
Consumer complaint received 2020-12-01
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: Mortgage Research Center, LLC (IL)

I responded to an advertisement from Mortgage Research Center , LLC, aka, XXXX XXXX XXXX ; aka : XXXX XXXX XXXX to refinance my VA home Loan under the Veterans Streamline Refinance Program. 

I was required and consented this lender to pull my credit report to determine eligibility. I needed a XXXX score of XXXX to qualify for the refinance. I was fully aware of my scores and did not expect a problem. However, this lender rejected my application r stating my FICO scores were to low, they said my report showed my XXXX score : XXXX ; XXXX : XXXX and XXXX : XXXX. However, when I accessed my credit file and checked my scores they were : XXXX : XXXX : XXXX : XXXX and XXXX : XXXX. When I shared this fact with this lender, I they informed me that the scores I receive are scores for " consumers '' and their scores are " mortgage scores ''. I am confused because I have been unsuccessful in obtaining information for the credit agencies to substantiate a " mortgage XXXX score ''. 

This situation seems unfair, unfortunate and has caused me much anxiety because I am not sure if I should pursue another lender to complete my much desired mortgage refinance. 

My question : Does credit reporting agencies provide different/separate XXXX scores to lenders that determine credit worthiness of borrowers that are unavailable to borrowers?
Consumer complaint received 2022-05-20
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. (CA)

In XX/XX/2022, several letters were mailed to Equifax regarding alleged accounts with XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and two unknown and unverifiable collection accounts. Accompanied with those letters were the complaints filed with the CFPB. Equifax responded to me and to the CFPB that the accounts were verified as accurate and reporting to the regulations of the FCRA. In XX/XX/2022, I spoke with XXXX and XXXX about fraudulent information being reported with accounts from XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. After verifying and DELETING the accounts, to be in compliance with the FCRA section 623 ( b ) ( 1 ) ( D ) XXXX and XXXX were both supposed to report their findings to Equifax. To ensure that all companies are reporting accurately, I fulfilled my due diligence by reaching out to Equifax myself to report the updated information. After speaking with multiple representatives, they informed me that the information regarding the mentioned accounts were reporting accurately and that they verified the information. I asked each representative who verified this fraudulent information and how they were able to verify something that two other companies verified as fraudulent and erroneous? I explained to Equifax that I am the original creditor and consumer, and by holding both titles, I can not attest to ownership of this erroneous and fraudulent information being reported. As of XX/XX/2022, there is a pending dispute over the accounts. In the process of this dispute, Equifax still continues to knowingly and willingly report fraudulent information. This fraudulent information being reported adversely affects my credit worthiness, my credibility, and my character. 

To attest to my statement being true, I have attached the most recent copies of the reports from XXXX and XXXX.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Around XX/XX/XXXX, XXXX XXXX XXXX repossessed my vehicle and the account on my credit report is showing charged off. However, whenever I look at the payment dates made on my santander consumer USA account that I still have access to, it shows last date paid XX/XX/XXXX. Yet whenever i look at my credit reports for all 3 bureaus, it shows charge off. How can this be? From my understanding, if an account is 90 days late, then it can go into collections or charge off status. I have no idea what's going on and this is strange.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Benworth Capital Partners LLC (WI)

I applied for Ppp loan on XX/XX/XXXX I was SBA approved on XXXX. XXXX ( lender ) sent PromNote via XXXX on XXXX but I wasnt able to sign until XX/XX/XXXX. I sent several requests between XXXX - XX/XX/XXXX to XXXX and XXXX but only received automatic response. They dont have live person connections at this time. On XX/XX/XXXX I was in XXXX XXXX and on XX/XX/XXXX I was back to resubmission. I called SBA, emailed XXXX XXXX XXXX over 20 times with no response. I then received a document stating I submitted another 1 & 2nd draw on XX/XX/XXXX for {$41000.00} but XXXX had me sign and initial more documents for {$20000.00}. Finally SBA reached out to XXXX they stated I had a ACH issue I re entered my banking and then they stated that I had to identify myself again. Now XXXX have my status lender submitted to SBA I was told that wasnt true and XXXX stated time ran out SBA advised them to withdraw all unapproved applications. Im very confused and upset that I missed out on a chance to regain my business and finances. I was treated unfairly and now Im out of luck and there are people without a business that received both loans and got their bodies done. Im not going to express the stress and hopelessness that Im going through but I know this should be heard. Im listed as XXXX XXXXoan approved but I was never funded and told its too late. I fee its a problem when some of my clients got loans and I am unaware of any business they ever had. This isnt fair and no one care.
Consumer complaint received 2021-09-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

I have had this credit card account for over 10 years and it is in good standing and has never had a single late payment. I also have considerable other financial relationships with Citi, all in good standing. As a complete surprise, I received a letter dated XX/XX/2021 informing me that my credit limit had been lowered from {$15000.00} to {$1700.00}, for " serious delinquency ''. I do NOT have any " serious delinquency '', nor do I owe any money to anyone, I pay this card and ALL other revolving accounts IN FULL every month. It is absolutely unacceptable for Citi to " nickel-and-dime '' me in this way. I usually use this account for charges of around $ XXXX {$4000.00} a month in order to generate XXXX points and I always pay in full each month, the new limit makes this card practically useless. In addition, Citi stated that their decision was based on a report from XXXX Credit Information Services. I reviewed my XXXX credit report and found no negative information of the sort stated by Citi in their letter.
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (CA)

For over 5 years and 3 months now, I have had a collections account on my credit with the original creditor name of 01 XXXX XXXX and Caine & Weiner as the named debt collector for this debt that is not mine for the amount of XXXX. That is not a small number and because of this act of fraud it has resulted in me having a really bad credit score and frankly I've never heard of either of these named organizations and I sure don't owe them almost {$7000.00} for a debt I can't even tell you what for. The start date of the collection is said to be XXXX XXXX, 2016 at which time I had no active credit even ongoing so how I obtained a collection is beyond my understanding and all of which points to identity theft because it is very evident somebody used my ss number for something and then never paid it which is a highly common thing that fraudsters do when stealing peoples identity, they obviously don't pay the debts they illegally obtained. This debt is the reason my credit is so poor and me and my family are struggling to get a car loan, home loan and any financial assistance due to debt that was obtained by someone other than myself. The creditor and debt collection companies have both failed to provide me with signatures that would identity the debt to be mine and they have harassed me at work for long enough over debt I don't even personally owe.
Consumer complaint received 2020-12-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (IL)

I received an escrow refund check of about XXXX dollars at the beginning of XXXX. I called veterans United to ensure it was not a mistake and they confirmed it was not. About the middle of XX/XX/XXXX I received a call from Veterans United saying they needed the money back due to letters they received from XXXX XXXXXX/XX/XXXX that the taxes were higher than when the refund was sent. I asked for copies of the letters and the corrected documents at that time I also reached out to my county tax clerk who told me my property taxes were not XXXX a year but at mostXX/XX/XXXXa year. After I called veterans United back and informed them of this they said they would do more research. The week of XX/XX/XXXX veterans United called and said I was right and that the refund check was not needed. I again asked for the letters and the corrected financial documents. On XX/XX/XXXX I called to check progress and am being told again that my taxes are higher and the refund check is needed back. I again called my county tax clerk and again was told my taxes will be at mostXX/XX/XXXXnot XXXX. Veterans United is now saying they never received letters and have not sent out the corrected financial documents to me.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2019, I successfully received my XXXX credit report online, but was unable to access both my XXXX and Experian credit reports. 

Instead I received a message stating 'an error occurred ' after following the online prompts for the two subsequent reports after downloading the XXXX report. 

On attempting to regain access to the two reports I didn't receive, a message was displayed stating I had already received my free reports. This was a false statement as I did not receive either report from Experian or XXXX.
Consumer complaint received 2021-09-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: FORD MOTOR CREDIT CO. (CA)

I am one of thousands of lessees of Ford and Lincoln vehicles throughout the United States.

Briefly, I believe that the Ford Motor Company, in concert with its Dealers, is engaging in widespread anti-competitive practices to the detriment of the public, generally, and its lessees and their prospective transferees, particularly.

Many states ( such as California ) exempt a customer who purchases their leased vehicle for resale from the imposition of sales tax. In many states, such a transaction is presumed to be a purchase for resale if the vehicle is sold to a third party within ten days of the lessee/purchaser receiving title.

The standard Ford Motor Company Red Carpet Lease agreement permits the lessee to purchase the vehicle or return it ( albeit with the requirement that the lessee complete the paperwork at an authorized Ford/Lincoln Dealer ). There is no restriction on the lessee selling the purchased vehicle to any third party ( including another dealer or wholesaler ).

Nevertheless, the Ford Motor Company will not allow the lessee to complete the purchase without the imposition of thousands of dollars in sales tax, thereby restricting the marketability of the vehicle and favoring the option of returning the vehicle to their Dealers free of the added burden of sales tax.

In addition, the Ford Motor Company will not permit the lessee to assign the lease to any third party.

The lessee is deprived of potential profit even beyond the sales tax in that Ford Motor Company will not cooperate with potential acquirers of leased vehicles including, XXXX, XXXX, XXXX, and many others. 
Your investigation of this situation is necessary to stop this consumer abuse.
Consumer complaint received 2020-12-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

XX/XX/XXXX, Experian REFUSED to start a dispute after they have already verified my identity by phone and received a letter from me requiring them to provide me PHYSICAL VERIFIABLE PROOF that EXPERIAN has obtained to validate reporting the accounts listed on the credit report. I did NOT send a request about the ACCURACY of any item reported as they responded to CFPB but asked for EXPERIAN to provide physical proof of being able to report said matters on my consumer report. Furthermore, my request for this which came on a letter attached with MY ORIGINAL SIGNATURE, DRIVERS LICENSE, and SOCIAL SECURITY card as well as my verbage in the letter concludes that I, XXXX XXXX XXXX was the one disputing and not a 3rd party agency. Also, my dispute has been illegally closed without proper investigation and results.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have three accounts reporting on my credit reports with inaccurate information regarding date of last activity and payment history. Accounts are as follow : XXXX XXXX XXXX ( 2 seperate accounts ) XXXXXXXX XXXX XXXX
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

In XXXX I moved overseas to live and work in XXXX, XXXX. I lived there for five year and repatriated back to the XXXX XX/XX/XXXX due to COVID and death of parent. While I lived oversea, I was a victim of identity theft in the USA. I attempted to let HSBC know but was told there were charging off my account and told if I didn't pay a settlement my credit would be ruined. I tried to explain I lived oversea and used only my XXXX HSBC account and that the charges were not mine. I paid a settlement based on the amount I believe was closest to that truly owed, and to get the creditor off my back. Now that I know for sure this was ID theft and have filed FTC Identity theft and police reports, I have requested that HSBC remove the adverse comments, late payments and charge off statements on my credit and update the credit report to reflect good standing and paid as agreed.
Consumer complaint received 2022-06-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (SC)

I quit using this credit card while it was under the {$400.00} limit. I don't know how it went from a low amount to collections with a {$590.00} balance. Even if the service charges were applied that would take a lot longer than it did to get the letter from first source
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account 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 2022-05-13
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. (PA)

Acct name Acct # n accordance with the Fair Credit Reporting Act XXXX  Account XXXX has violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2022-05-05
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. (MO)

I wrote a letter to all the CRA 's : XXXX, Equifax, and XXXX on XX/XX/XXXX and they have failed to get back in response to the letter. The account XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$9800.00} referenced above that is being listed on my credit report by XXXX XXXX XXXX This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Also, the are in violation 15 USC 1681s-2 for failing input a notice of dispute that this account was being disputing.

Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts.

This is deceptive, fraud, false and misleading and many other things. Please, we have to hold this CRA 's accountable because they are taking advantage us as consumer.
Consumer complaint received 2022-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (IL)

On XX/XX/2021 CREDIT MANAGEMENT LP added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, CREDIT MANAGEMENT LP has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX 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