davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc. (MO)

On or about 2018 I took an installment loan from Tower Loans in XXXX Mo at said time they added on a product " involuntarily unemployment insurance '' as I was a fulltime employee that was unfortunately laid off from my employer I submitted a claim and the insurance company refused to pay out I was told by a corporate entity Regional Director and District Manager I was now a fulltime employee with full benefits vacation etc however when I submitted my involuntary unemployment insurance claim the company refused to payout stating I was seasonal although what my employer filled out clearly said laid off due to " lack of work '' not seasonal as Tower Loans and their insurance provider alleged and this decision has put me and my family in a " economic hardship '' and I am unable to pay said loan I intend to file a counter suit if Tower Loans files suit against me they also have violated the FCDPA by contacting my family otherwise know as a third party and disclosing my loan amount and information about my loan to them causing me irreparable harm they need investigated and action taken against them DO NOT get a loan from Tower Loans they sell frivolous insurance and shame on them! My Counter Suit will cost  Tower Loans tremendously. They need to charge off and leave me alone or face court countersuit
Consumer complaint received 2021-02-21
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: FORD MOTOR CREDIT CO. (NY)

There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. FORD MOTOR CREDIT ( Inquiry : XXXX XXXX, 2020 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2019-10-30
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. (NJ)

I brought my car to a dealership to get fix and used my XXXX XXXX card..The dealership did not fix my car and the problem that I paid for is still not fix to this day..I disputed the charge with all the evidence of this evidence of the problem they were suppose to fix that they didn't ( they were suppose to fix a leak from a convertible car I have and the water was still coming in at the Same place they were suppose to fix ) I even had a license mechanic write a letter stating he seen the water too..I went back and forth with the dispute with XXXX XXXX stating I was not going to pay for something that they didn't fix. ( they wanted me to spend XXXX dollars to go get a water test for more proof ) I said the dealer ship that did the work on the car already did that and stating that is how they find were the water is coming in and fix it so why would i have to put more money out.I sent them again letters from my mechanic etc..The last time I talk to XXXX XXXX I told them I had papers for court and ( I still have the court papers ) and I would take them to court and that was the last time I heard from them and my credit card was showing that I owed XXXX balance..So life went on and I got no bill from XXXX  XXXX..then all of a sudden almost a year goes by and they put that I owe them fee 's that I didn't pay from that car issue and late charges..which i never got a bill..I got a paper in XX/XX/XXXX showing again I owe nothing..Now XXXX  XXXX ruined my credit and I want this off my credit report..Still to this day being XX/XX/XXXX I still didn't get a bill from them..
Consumer complaint received 2021-10-16
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENOVA INTERNATIONAL, INC. (MO)

CashNetUSA XXXX, has not contacted in me in a fair and consistent manner that other debt collectors would do, such as contacting via mail to ensure the validity of debt, explanation of charges, proper charging of interest, etc. CashNetUSA LLC, would not attempt to work with a Debt Management Plan, XXXX XXXX XXXX XXXX enrolled in XXXX, for the full principal balance through series of payments. On XX/XX/2021 at XXXXXXXX XXXX I received an email with a proposed offer to avoid collections and pay 50 % off, when chatting with XXXX, he said that my debt in total of {$1400.00} was sold to XXXX XXXX, XXXX on XX/XX/XXXX, so why did I receive an email? XXXX, stated this email was sent in error, I'm not buying that. nor did I receive a letter of intent to send debt to collection agency, and today XXXX XXXX XXXX, contacted my work phone number violating the Fair Debt Collection Practices Act, before even sending me a letter. I'm willing to work with CashNetUSA, but I am disputing the validity of debt as the stated amount is in upwards of {$200.00} and some change then previously accounted for and the right to cure was initiated sometime in XXXX or XXXX. When visiting XXXX XXXX website, I couldn't even find the case file. XXXX XXXX XXXX, also stated their client who I presume would be CashNetUsa, XXXX, stated that they would be moving to make a final recommendation with or without correspondence, such as it sounds like intimidation to me.
Consumer complaint received 2024-12-12
Product: Credit reporting 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. (GA)

Transunion has locked my freaking online account, refusing me access to my credit file, refusing me the option to dispute any inaccuracies. XXXX XXXX the supervisor told me I will not be given access to my credit file. How is it legal for them to block me from seeing my credit file disputing my credit file. 

They say I was victim of fraud but won't let me see the fraud so I can dispute it and have it removed. I've called several times. He refused to get a sup
Consumer complaint received 2021-10-16
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. (AL)

I uploaded a identity theft police report to all 3 credit bureaus. And no action has been taken. I want all these fraudulent accounts open up in XXXX XXXX Nevada removed from my credit file. These are not my accounts!!! I uploaded 15 years of Alabama drivers license. I never lived in Nevada. Please remove XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NEW MEXICO XXXX  XXXX  From my credit file Asap!
Consumer complaint received 2019-10-30
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-08-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Late Date XXXX
Consumer complaint received 2021-02-21
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: Bridgecrest Acceptance Corporation (MO)

To whom it may concern : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found late payments on the report that are inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the late payments reporting on the account listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report as being late. Please dont respond to my request by saying that the account have been verified, or that the late payments are accurate. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of the disputed late payments on the specified account, then please delete the late payments immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified late payments on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts, and unverified late payments, must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each missed payment, listed below within 30 days of receipt of this letter then you must remove these late payments from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following account be properly verified or removed immediately. I am protected against the unfair reporting of the said late payments due to the Section 611 ( a ) ( 5 ) ( A ) ( i ), as well as being impacted by COVID-19. I have attached my extension agreements, although I was granted four extensions, they continue to report my account as 30-90 days past due. I am requesting that the 8 late payments be deleted immediately. 

ACCOUNT # XXXX Bridgecrest account listed under XXXX XXXX XXXX maiden name )
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (IN)

Your company is reporting the below-referenced account on my credit report as a collection account. 

XXXX XXXX XXXX XXXXXXXX {$490.00} Date opened XX/XX/year>. 

I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you, please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
XXXX. What is your authorization of law for your collection of information? 
XXXX. What is your authorization of law for your collection of this alleged debt? 
XXXX. Please evidence your authorization to do business or operate in this state. 
XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
XXXX. Please provide a complete account history, including any charges added for collection activity. 

You have XXXX ( XXXX ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and promptly, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( XXXX ) in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. 

For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom this may concern : I am writing this complaint, because I have been trying to get a 30 day late payment off of my credit report. XXXX 's has been reporting a late payment on my account since XX/XX/XXXX. I have disputed this issue with the credit bureaus, Trans union and XXXX, it does not show up on XXXX. I have called and have spoke with several different representatives and have been told that this account can't be undated, corrected, or changed with them and was directed to the credit bureaus. And was told the same from XXXX and Trans union both say verified in the response. I spoke with someone on XX/XX/XXXX and asked to have the notes from that conversation to be sent so I could include those in this complaint. As of XX/XX/XXXX. That is the day I started this claim, I checked my XXXX account, and it is stated that my account with XXXX 's has been closed. It won't even show on my credit karma account. I called, and spoke with XXXX, asked about notes from the XX/XX/XXXX call, she said no call was on file for that date. Ask no call? Was told the last time it shows I called was in XXXX of XXXX, she also stated that my account was closed on XXXX of XXXX, and the last payment that they received was XX/XX/XXXX I asked several times are these dates accurate, and was told yes. I asked to speak with a supervisor ( XXXX ) which she told me I needed to call back and speak with someone in the credit dept since they were closed. I ask was the account open and active, she said yes. So I asked to place an order and was advised that their maybe a hard inquiry if I did, even though she said that my account was open and active. I find it very stressful, exhausting, and a bit frustrating at times to speak to so many different representatives and get different answers and reasons why my account is reporting late and nothing can be done. And now to look and my account is closed, so much more damage to my credit report, than that 30 day late now. Payment history, age of account, tradeline. It feels like retaliation to my calls and disputes. This claim is to get this issue corrected, and also to help anyone to avoid going through this situation. Thank you in advance.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Contacting the TransUnion XXXX requesting a complete payment history with this account. Despite the multiple previous requests. Below are the accounts that are reported, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXXX Balance {$0.00} XXXX XXXX C XXXXX Balance {$0.00}
Consumer complaint received 2021-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation (AZ)

Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
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: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting at 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 1681 Section 2.

It also states a customer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

After several attempts to recoup the overpaid dues in escrow XXXX and Lakeview Servicing have used several different attempt to use errors in accounting to deceit the buyer into a larger escrow balance than what is due. {$6200.00} over 12 months would be {$520.00} every month. They have charged an excess and have even made statements like you failed to pay a supplemental tax, they provide no proof of this. After even emails with the compliance director of Lakeview she tried to explain the reasoning of the issues. She stated that there are no errors and that if I have an issue that I should contact XXXX. The issue I have is {$520.00} is missing from escrow. I have identified what we should label money laundering. They state the overage is {$1200.00} where they only have bills and receipts for a total of about {$4500.00}. {$2600.00} for hazard insurance and {$1900.00} for taxes. This is a total of {$4500.00} if ytd over XX/XX/2018 to XX/XX/2018 XXXX is over. They only issued a check for {$1200.00} so where is the remaining {$520.00}? That seems very close to the missing money from escrow. Please identify issue and reprimand both companies and all associates involved as CFPB was already contacted on this issue with a falsified response.
Consumer complaint received 2022-02-02
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: LEXISNEXIS (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. 
This is the item I demanding to be deleted immediately : XXXX Please remove this bankruptcy from my Public record XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2022-02-02
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. (MD)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This account is showing late payments when clearly the status of this account is PAID. This damaging item is causing my credit scores to drop. Please investigate this matter. Otherwise, kindly fix this issue. Stated below is the erroneous account that is still reporting on my Credit Report : XXXX XXXX XXXX  XXXX Balance : {$200000.00}