davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC (CO)

Loancare We have never been late on a payment. They have had money sitting in our escrow for years now and keep reporting us late on credit bureau. Never refunded our money or applied. They have never fixed on our credit report either. Showing 20 late payments, when we have never been late.
Consumer complaint received 2023-06-13
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. (TX)

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I have hard inquiries from XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX I have reached out to all companies closed accounts and sent information to all 3 credit bureaus they refused to remove false information which is destroying my livelihood, I also have placed fraud protection on my report and they refused to help
Consumer complaint received 2020-11-30
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. (TX)

Over 10 months I mailed dispute letters to XXXX, Equifax, and XXXX regarding the correction of several inaccuracies on the following accounts XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - xx Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on it's now XX/XX/20 directly to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX In accordance to 15 U.S. Code 1692g XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. As of today, the credit reporting agencies ( XXXX, Equifax, and XXXX ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.
Consumer complaint received 2020-11-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I've sent numerous certifies letters to all XXXX major credit bureaus including the Collection agency XXXX XXXX XXXX ( XXXX ). They're reporting a debt that I'm not familiar with and they have not explained to me where this debt is from nor have they validated the debt for me Its been over 60 days and this is really starting to hold me back from me closing on my home for myself and children. Im a hardworking single mother and this just isn't right. I really need assistance with this matter, Please!
Consumer complaint received 2019-11-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: Fair Financial Corp. (IL)

HELLO I AM CURRENTLY UTILIZING A SHORT TERM LEASING COMPANY NY THE NAME OF FAIR I AM CURRENTLY OAYING XXXX A WEEK TO KEEP THE CAR THE COMPANY USING A APPLICATION TO EXTEND CONTRACT ETC THE APP HAS NOT BEEN WORKING AND THE BUSINESS IS NOT HELPING ME TO GET THIS PROBLEM FIXED SO THE CAR DOESNT END UP GETTIN REPOD I ACCRUE FEES ETC
Consumer complaint received 2023-06-13
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: LEXISNEXIS (TX)

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.

The letters are stated with items and issues.

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 2023-06-13
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)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX  ( Finance ) : XXXX XXXX XXXX XXXX  ( Bank ) : XXXX XXXX XXXX XXXX ( Bank ) : XXXX XXXX XXXX ( Bank ) : XXXX XXXX XXXX XXXX XXXX  ( Finance ) : XXXX XXXX XXXX XXXX  ( Bank ) : XXXX XXXX XXXX XXXX XXXX ( Bank ) : XXXX XXXX XXXX XXXX XXXX ( Bank ) : XXXX XXXX XXXX XXXX ( Bank ) : XXXX XXXX XXXX  ( Finance ) : XXXX XXXX XXXX XXXX XXXX ( Bank ) : XXXX XXXX XXXX XXXX XXXX ( Finance ) : XXXX XXXX XXXX ( Bank ) : XXXX XXXX XXXX XXXX XXXX  ( Finance ) : XXXX XXXX XXXX XXXX XXXX  ( Bank ) : XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/2023 this particular Bank along with XXXX XXXX in XXXX XXXX Pennsylvania  illegally ran my credit report without my authorization and make note that this was illegally done by a XXXX XXXX XXXX Assistant to whom acted like they were desperate for money and on XXXX. Now my credit is XXXX XXXX with this particular Banks illegal activities
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

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. 
XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent, and they must be addressed immediately. 

ACCOUNTS - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX  XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX  XXXX - XXXX  XXXX INQUIRIES- XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Let me inform the Experian Bureau again, that I was a victim of identity theft, and this is another complaint I am submitting to request for the removal & blocking of these fraudulent inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove & block any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this identity theft report in my previous complaint & I am including it again here. Also, the data you provided on these 2 remaining inquiries are UNKNOWN to me and were already REMOVED from other bureaus and so I am starting to have doubts about your reporting accuracy. Please see these remaining inquiries below that you needed to REMOVE : EXPERIAN : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. This complaint is to notify you if you do not remove & block the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Consumer complaint received 2023-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

CFPB WEBSITE : Forbearance ends with a payment plan, not a lump-sum payment Homeowners who receive COVID hardship forbearance are not required to repay their paused payments in a lump sum once the forbearance period ends. You can talk with your mortgage servicer, or start with a HUD-approved housing counseling agency , to discuss a repayment plan that works for your situation. 

WELLS FARGO DID NOT FOLLOW THIS RULE, THEY REQURED A FULL AMOUNT OF COVID FORBEARANCE AND WHEN I WAS NOT ABLE TO PAY IT THEY TRANSFERED A LOAN TO A COLLECTION AGENCY WHO STARTED A FORCLOSURE LAWSUIT.
Consumer complaint received 2022-03-02
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: T.S. Holdings (CA)

While checking my credit report, I notice an account from IQ DATA INT'L that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/XXXX, which included a Request for Dismissal ruling from The XXXX XXXX of California. ( See attached ), again requesting that they remove the negative remarks that were showing up on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that IQ DATA INT'L is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for over a year with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Upstart Holdings, Inc. (TX)

On XX/XX/XXXX I was notified that Upstart had sold my debt with them to XXXX. I was immediately confused, as I had paid a settlement on this debt in XX/XX/XXXX through XXXX XXXX. The settlement was made months prior to the sale of this debt, which had already been settled and resolved. I informed Upstart of this, though they took no steps to correct the problem despite my efforts. Upstart sold an already-resolved and settled debt. 

I disputed this debt immediately with XXXX XXXX XXXX, the debt collector for XXXX, immediately, but efforts began to collect the debt anyway. After months of working through this situation, XXXX closed the account upon investigating and finding that the debt was settled. XXXX stated that they returned the debt to Upstart. Upon learning this, I contacted Upstart to request a resolution and proof that the account had been properly handled and closed, due to this being settled back in XXXX of XXXX. 

Upstart has been a nightmare to communicate with since the beginning, and has never worked to resolve any issues I brought to them. They sold an already-settled debt, which restarted efforts to collect a debt that had already been paid. On XX/XX/XXXX, after XXXX  indicated the account had been closed and returned to Upstart, I reached out to Upstart again to handle the situation.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (SC)

Applied for increased amount of life insurance. Offer came back at a higher premium than quoted. Unwriter referenced Lexis Nexis score as the reason why. Have secured the full Lexis Nexis report. It is grossly inaccurate. Following are the inaccuracies : 1 ) A former roommate is listed 11 times under the " Identification Records '' with my social and birthdate.

2 ) There was no lapse in my car insurance between switching from XXXX to XXXX in XXXX of this year. Have proof, including the SC DMV letter acknowledging this correction has been noted. XXXX ended on XX/XX/XXXX and XXXX began on XX/XX/XXXX. 
3 ) Section 6, XXXX, Page 26, Record 4 : This is devoid of any information, as are the other 3 records, except for the word " XXXX  '' next to the category " Type ''. Don't know what this is or is not, but I'm concerned with the word " XXXX  '' on my record. Especially given that the underwriter notified our insurance agent that she couldn't actually see any of the report that we're looking at. Simply she was given a score number that she based her downgrade of my insurablility rating. The word " conviction '' seems like something that might prove detrimental to whatever is this scoring rubric. 
4 ) XXXX XXXX File Report, Page 1 : DOB/Age shows " XXXX ''. 
Dependents shows " OO '' ( I have two ) Address shows " Since : XX/XX/XXXX '' ( I have rented here, with stellar rental history, since XX/XX/XXXX, proof available. ) 5 ) Employment : Is completely devoid of any information. ( I have worked at the same job, same company since XX/XX/XXXX, earning $ XXXX. Have proof of this too. ) Would like to see this corrected as soon as possible, as my family 's security ( via adequote life insurance ) is in limbo until this is corrected, thereby supplying our underwriter with accurate information to be able to return my insurance offer to its original status. 

Thank you so very much for your time and effort and for being around to help those of us who are negatively impacted by this sort of gross negligence in information accuracy. 

Please let me know what I need to do to aid this effort further. I'll be glad to supply whatever information necessary to move this correction forward with expediency.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (CA)

Loan Depot false credit reporting. Long story short once the pandemic hit my wife hours got cut and decided to call Loan Depot and ask for assistants. This was around late XXXX early XXXX. We were told we should do the loan forbearance for three months. Once the three months was coming to an end we called to see about what options we had for re-payment. They said it would take 1-2 month to review and we should extend our forbearance to 6 month. So trusting loan depot we agreed. This was were it got bad! We were waiting on paperwork that we never got. Then we get a letter that loan depot sold our loan to XXXX XXXX. This was around XXXX. We then had to go through the repayment process with midland that took another 2 months, We ended just paying everything off in one lump some to get us back to current. Our credit is reporting late payments that were not late, they reported the XXXX late payment to XXXX in XXXX. How can you have a late payment that month? I was not even able to pay loan depot anymore, my payment were to go to XXXX XXXX. This has caused extreme stress in my wife and I lives and our credit is so bad now we can't do anything we want to do.
Consumer complaint received 2020-11-19
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. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Consumer complaint received 2019-03-12
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. (VA)

NAME : XXXX XXXX XXXX DISPUTING ACCT : XXXX   XXXX XXXX ACCT NUMBER XXXX SSN : XXXX I sent a dispute letter to EQUIFAX on XX/XX/2018, disputing fraud credit card account on my credit report. I have also filed an identity theft report with the FTC and sent the copy to the EQUIFAX as well. 
After few months, EQUIFAX deleted that fraud account off of my credit report. But after few months later, they have re-posted that fraud account back on to my credit report. 
My understanding is that, the bureau must notify me by mail stating the reason why they are re-posting that account on my credit report before they do, they did not notify me at all. Also other credit bureaus ( XXXX, XXXX XXXX ) deleted that account off of my credit report and never put it back again, but EQUIFAX is continuing to report this fraudulent account on my credit report.
Consumer complaint received 2020-11-30
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: ALLY FINANCIAL INC. (MN)

On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. 
On XXXX. XXXX, XXXX, ALLY FINANCIAL add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-01-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

XX/XX/2018 Received an email from XXXX, XXXX XXXX, about the new credit card balance for the card " I '' recently opened. I immediately phoned the card company to explain I did not open any new credit anywhere at anytime. She was nice enough to explain the process I need to do to handle this and started an investigation on her end. 
XX/XX/2018 Experian added an initial security alert for 91-120 days. 
XX/XX/2018 I processed an on-line police report with XXXX Police Department stating fraud using my personal information. 
XX/XX/2018 I mailed to Experian, a copy of the police report and all necessary information to have the fraud alert extended for 7 years or a permanent alert, as rightfully entitled. 
XX/XX/2018 Experian mailed me a notice stating a ) my request was redundant b ) I forgot to include personal information in my request c ) I need to include a valid theft report from a local law agency. 
XX/XX/2018 I went to my local law agency ( XXXX Police Department ) to ask for help. The officers that I spoke to told me that my report # XXXX is in fact a valid report and there is nothing they can do for me, because I already have a report stating details regarding my situation, I can not amend it nor file another report. 
XX/XX/2018 Again, I mailed all the necessary information, including a statement of what XXXX told me. 
XX/XX/2018 I received a statement from Experian stating I had to include a valid theft report. 
XX/XX/2018 Again, I mailed the necessary information and a statement that said I have already done all the necessary steps to try to protect my credit information and my frustration with them repeatedly requesting a valid report. 
XX/XX/2018 Experian notified me of results and that was that I need to submit a valid theft report. 
As of today, I am still going round and round with this agency at great length and I am completely dissatisfied with all results they have issued me and with how to contact them. I can not speak to a live person to state all of this information. 
I formally request help with my case and to obtain an extended fraud victim alert.