davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

I am the victim of ID Theft and LexisNexis is reporting information that does not belongs to me such as addresses, last name, first name, phone numbers and accounts such as XXXX insurance and many more. I sent LexisNexis my police report and also a FTC ID Theft report a number of times and nothing seems to be done about the problems but LexisNexis is reporting false information to XXXX XXXX  and XXXX Credit bureaus such as bankruptcies, wrong addresses, wrong work history, wrong phone numbers and wrong accounts. This the 3rd time they investigated these items with no proof these are my accounts and nothing changes.
Consumer complaint received 2021-10-07
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. (IL)

I recently saw two fraudulent credit card accounts on my Equifax credit report. I spoke to fraud/disputes department on XX/XX/2021 Who requested I fax in my drivers, license, my ssn card and the FTC report with a letter. I called back on XX/XX/2021 and representative is telling me to refax in the information when she is clearly looking at the documents. I am upset that they asked for my ssn card and other PII information and on one will remove these accounts. I will proceed in filing a lawsuit against the this credit bureau if this is not removed immediately. My information was compromised and I should not have to go through this just to get my credit report in order. These two XXXX XXXX accounts are not mine and they only update to say " verified '' they have not provided any validation information and my identity was compromised. It is against the law to report any inaccurate information. According to the FCRA, any information should be deleted in 30 days. This is passed the time frame of the actions against the credit bureaus.
Consumer complaint received 2021-03-05
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: Comerica (WA)

I called the social security administration on XX/XX/XXXX, to order a Direct express card because I moved from XXXX and arrived in XXXX  on XXXX XXXX, ,reported my change of address to XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX washington XXXX ,But when i called Direct express at the XXXX They were refusing to cancel Direct express card that was sent out to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ,it had XXXX dollars on the card and it had been stolen..i tried explaining to them but they kept refusing to listen after stealing XXXX from the card then they started to listen so they sent me a new card to my new address in XXXX XXXX with XXXX dollars on it , ,all of my money was gone except that then what they did was hid the previous transaction from the stolen card so i couldn't retrieve them.. 
But The social security administration allows you to put a trace on all the money they send you so you can report to the police when people steal and scam you out of your ssi benefits or covid 19 benefits.. And they also send you a statement..direct express card services stole XXXX off my card wouldn't let me retrieve or know where the money went or transactions only sent me XXXX dollars of my money on my card, ,I need the XXXX that was stolen from me, ,from the card that they sent to the wrong address at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX is not my address i live in the state of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.. XXXXXXXX XXXX XXXXXXXX..So Direct express shouldn't have sent nothing to XXXX.I want my XXXX back that was stolen..they have the information..they wouldn't let me see it but the social security administration told me ..I need my covid relief money back that was stolen from me
Consumer complaint received 2022-06-23
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX and XXXX XXXX XXXX have violated my rights 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (FL)

I turned in a XXXX XXXX lease in XX/XX/XXXX. 

Over the next 3 months, I asked if there were any fees due with turning in the car. In at least 5 instances, I was told no fees were due. 

Now 18 months later, the finance company is threatening to send my account to collections for a {$1200.00} invoice that was just sent to me today.
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 — Account status incorrect
Company: Freedom Mortgage Company (FL)

Freedom mortgage has been illegally reporting non payment, affecting my credit score and generally harassing my family with threats. 

On XX/XX/XXXX I was alerted to a derogatory entry in my credit report by Freedom. I immediately filed a dispute : XXXX. Several hours later Freedom chaned my credit report but STILL did NOT post status as CURRENT. 
Every single payment from my account to Freedom cleared WELL before the legal definition of 'on time ' payment. 

Additionally this company had attempted to place lender insurance on my home and attempted to extort XXXX out of my family. This is well after they received proof of insurance. 


Processing FREEDOM MORTGAGE CORPORATION BILL PAYMENT Debit - {$1400.00} XX/XX/XXXX FREEDOM MORTGAGE CORPORATION Bill Payment View/Edit Bill Pay - {$1100.00} XX/XX/XXXX FREEDOM MORTGAGE CORPORATION Bill Payment View/Edit Bill Pay - {$1100.00} XX/XX/XXXX FREEDOM MORTGAGE CORPORATION Bill Payment View/Edit Bill Pay - {$1400.00}
Consumer complaint received 2022-06-23
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. The following accounts a-re violating my rights. 
- 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 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 602 A SECTION 2 : IT ALSO STATES A
CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY INSTRUCTIONS.
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Commencing on or about XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from XXXX Bank of America account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2021-02-25
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)

The account XXXX XXXX is violating my consumer rights to privacy and fairness by having this negative collection accounts on my credit report. I never gave authorization for the credit bureau to put the negative accounts on my credit report. XX/XX/XXXXand EQUIFAX are treating me unfairly and being impartial toward me by maintaining these negative accounts on my credit report. EQUIFAX Credit bureau are in violation of 15 USC 1681 ( 4 ) ( b ) which states : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

This account must be deleted immediately because EQUIFAX is violating the law.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We submitted a request to lock our mortgage rate on XX/XX/21. Our loan officer confirmed that she had received our request and was locking it immediately. I replied within the hour to thank her for doing so. After 6 days of not getting an update, I requested the rate lock in writing. Our loan officer told us that our rate was not locked. 

Loan Officer said she would find out what happened. After about a week our loan officer said there was some sort of tech issue with locking the rate on the website. A few days later she found the reason she could not lock our rate was because our credit report had expired. She said that tech support would not tell her the reason she was unable to lock our rate. We would have appreciated being alerted that our rate was not locked. We only found out because we inquired about our rate lock. 

Our loan officer says while she will try to get management to honor the original rate lock that it appears that it most likely won't happen. We locked it today at 3 % because we do not want it to continue to increase. We understand there is a high volume of loans to process. We do not understand why we should be penalized. Any help would be welcome. Thank you.
Consumer complaint received 2022-01-03
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)

Equifax furnished this account to my credit report without my permission and without my knowledge. The account XXXX XXXX XXXX XXXX was a banking account. I never gave XXXX XXXX XXXX XXXX permission to furnish my banking information to Equifax. The account was an checking account that went into overdraft for X many days. How did Equifax obtain this information. Equifax has violated my consumer 's right to privacy and has stolen my identity. I have disputed this account with Equifax before and as of XX/XX/2022 it still remains on my credit report. Equifax has violated 1681b ( 2 ), and 1681 ( a ) ( 4 ) of the FCRA. Equifax is also in violation of 15 U.S Code 1681q.
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AUDIT SYSTEMS,INC (NY)

This company, as identified by Caller ID, has been calling frequently. We answer the phone politely, yet no one speaks to us ; neither human nor automated voice, no matter what we say. After a few moments, the caller hangs up. Since they will not identify themselves, nor respond to anything we say ; will not say who they're trying to reach ( there are several adults living in this household ), nor what they want - I refuse to contact them directly, and feel that this should be reported. I am tired of the harrassment of frequent phone calls for absolutely no purpose. If not for Caller ID ( and having looked them up on the Internet ), I wouldn't even know this was a collection agency. The calls all appear from " Audit Systems '', XXXX. These are the most recent XXXX calls I've recorded information on -- XX/XX/XXXX : XXXX am, XXXX pm, XXXX pm. XX/XX/XXXX : XXXX pm, XXXX pm. XX/XX/XXXX : XXXX am, XXXX pm, XXXX pm. XXXX : XXXX am, XXXX pm, XXXX pm, XXXX pm. XXXX : XXXX pm, XXXX pm, XXXX pm. XXXX : XXXX am, XXXX pm, XXXX pm. XXXX : XXXX pm, XXXX pm. XXXX : XXXX am, XXXX pm. XXXX : XXXX am, XXXX am
Consumer complaint received 2021-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Back in XX/XX/XXXX I reached out to XXXX XXXX  after I noticed a huge drop in my credit score. They had reported a 60 day overdue notice to the credit bureau. I got my new XXXX  lease in XX/XX/XXXX. Paid the first payment at the dealer, and awaited my first statement from XXXX XXXX for the next payment, so that I could use that information to set-up my online account and start to make payments. When I left the dealer, no lease account information was given, they said I had to wait for my first XXXX XXXX statement in the mail. A month went by into XXXX and I never received a statement. I called the leasing department of XXXX XXXX in XXXX VA multiple times asking them how I can pay my next bill. No one returned my calls. I finally received the statement in the mail for those last 3 payments for {$1300.00} and paid it immediately upon receipt in XXXX, as you can see from the attached screenshot. In XXXX I reached out to XXXX XXXX to have them investigate what happened and for their credit team to reach out to the credit bureaus to remove this late payment from my report. I called back multiple times and spoke with agents saying there was still no response on the case, no updates. Finally I spoke with someone on XX/XX/XXXX and that agent told me their credit department found their report to the credit agency to be valid, as my payment was late. Which clearly we already knew as I was late paying because I had no way to pay it, without an account number from them. On that date they submitted a new case, case # XXXX to have a one time courtesy removal of this and report to the credit agencies. They said it would take at most 45 days to remove from my credit report. I have called back multiple times since XXXX, and have gotten told there is still no response on my case, every agent says they send an " escalation '' email and I should have a response back in 1-2 business days. After that timeframe, I call back again and get the same response. Every agent also says their internal credit department does not have a phone number for internal employees to call, or for myself to call and ask for an update. This is unfairly stayed on my credit report since XXXX now and I've had enough of the back and forth with no resolution!
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX. The following account was a Charge-off. Balance should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX # : XXXX, XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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.
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$300.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$760.00} ; XXXX XXXX  ( Original Creditor : 10 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} ; XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent disputes to the credit bureaus every 30 days XX/XX/2022 XX/XX/2022 XX/XX/2022, all the way until now ( XX/XX/2022 ) - and the same errors are continuously reporting without any resolution or a response from the bureaus! This is obsurd. there are too many errors to count. There is a bankruptcy on my report that I have proven the courts do not respond to and i sent it to the credit bureaus and the bankruptcy is incomplete with no date settled on XXXX. 

2 XXXX XXXX  accounts XXXX and Transunion refuse to investigate. XXXX keeps reporting the same account with positive payments and it's closed and shows it's a satisfied collection. 

XXXX keeps illegally re-aging a XXXX account? it's closed and they are reporting the date last active as current. that is not possible. it's illegally re-aged.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.