davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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)

I am notifying you of issues with the information on my credit report. I am wondering as to how are the Bureaus allowed to report these information? With a little research I found out that I have some rights in place. The law gives me the right to dispute my credit information directly with the Bureaus. Now be aware that I have already dealt with the the Bureaus and there was no investigation made and it has been more that 30 days. Nonetheless, I now wish to exercise my rights to dispute this information directly with you so you can help me with this problem Please verify the That all balances and amounts are reporting correctly. 
That all dates are reporting correctly and that any prior pay history you are reporting is correct. Please remove this account from my credit report immediately. It has caused quite bit of damage. I want to point out that you are legally liable for any inaccurate and unverifiable information as decided in XXXX vs. XXXX XXXX. This case set a legal precedent that a person can sue the Bureaus for reporting inaccurate and unverifiable information on their credit report.
Consumer complaint received 2024-10-15
Product: Credit reporting 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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 and list of Inquiries 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 2019-04-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION (DE)

Hello My name is XXXX XXXX I financed a car back into XXXX from credit acceptance XXXX, in XXXX I lost my job and husband in the same year and became behind on my payments. They came and took the car and they never sent me itemized bill or any options to get the car back. Some time in XXXX I was notified about this and I asked for an itemized bill or a statement for what for what owed them since the care was sold. At the end of XXXX I lost my job and now was looking for new employment. In XXXX and XXXX, I started to received threatening calls from a man but would never identify himself. He sounded like a scam or someone who was trying to scare me in to giving my information out. The calls stop and about 6 months ago they started again. I found a new job and have been working on my life and now my credit. this debit is 11 years old. I never had a chance to fight it or see if they cost was true and now because I am working again and working with agencies to help better my credit they have are now going after my wages ..This debit is 11 years old. This is a lot of money coming out my check and I don't believe I should be responsible for the full amount they are asking if any.. How long will this debit haunt me.. I am trying to get ahead and just like that i am pulled back down for a 11 year old debt. Is there any help for me. 
thank you for any assistance XXXX XXXX XXXX is the Attorney for credit acceptance XXXX. When I called them they said they will have to go to a storage and pull my file since it is old.. '' Ya think XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC (CA)

THE ORGINIAL DEBT WAS TO XXXX XXXX XXXX XXXX, THEY SOLD THE DEBT TO FLAGSHIP CREDIT ACCE. BOTH ARE CURRENTLY LISTED ON ALL THREE CREDIT AGENCIES CREDIT REPORT. THIS DEPT AS BEEN CHARGED OFF AS A PROFIT AND LOSS WRITE OFF, THERE SHOULD BE A ZERO BALANCE.
Consumer complaint received 2019-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (TN)

I lost my job and got behind on my payments. Called today ( XX/XX/2019 ) to make a payment and a half plus a little ( XXXX ). I also had XXXX in a suspense account for a total payment of 2 months plus a little. So I called to make the payment and was told they couldn't accept any payments and I asked why and was told because I was in forclosure. I said that's news to me I've not been notified and they said that's because they started the process today. I said so you started forclosure on same day I'm trying to make a payment that's convenient. So I asked what happen with the money in my suspense account and was told o we used that and applied it to your escrow account. I said it was supposed to be used towards a payment and they said they could use it however they want. I called 3 times today trying to figure this out was hung up on twice and finally got transferred to loss mitigation the third time after being told I could apply for a modification but I would most definitely be denied. Then I was transferred to loss mitigation and he told me he was mailing a packet and he didn't see a reason I would be denied This company is Selene Finance
Consumer complaint received 2021-06-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (MA)

I have been with this company for over 22 years and purchased over 8 vehicles. on Many occasion due to their faulty telephone automated system they have marked me over 30 days late literally destroying my credit score and ended up setting with me for an undisclosed amount, Recently this has happened and I was told it would be corrected some were and there are 2 that are still on there. After so many calls and so many different representatives I have given up. The last person in the Compliance Department reached out to me after I filed a XXXX  report. She had only been with the company for 2 weeks an was very dismissive towards me and rude. She became argumentative with me because she was unfamiliar with the autumated system and told me straight out that the system does not give out calculated days past due. I proved her wrong and she became very hostile towards me. I'm very familiar with this company because I have had them for 22 years, probably longer than most employees that have worked for the company. I get paid once a month and sometimes it is during the end of the month so I monitor the days by calling the automated system that will tell me how many days I'm past due. I do this to be accurate so that I make no mistakes. The problem is that I found out after getting # 0 day late marks is that the system does not keep the calculated days over the weekend so if it say your 27 days past due and you make the payment on the 29 avoiding the 30 day mark, on Monday the system will say that when I made my payment it was 31 days late. This is confusing to someone who was not given this information up front. How is a customer suppose to know that they cant trust the automated system over the weekends, If I cant call the company that holds my loan to confirm accuracy then this is a problem because they are the ones who hold me accountable. This is unfair and needs to be corrected and so do the two 30 day late marks. My record of 22 years shows that I don't make late payments past 30 days. The other issue I have with this company is I was recently told that I could of changed my due date to avoid late payments that I incur every month due to the way I get paid. Out of the many many representatives I spoke with none of them ever offered that advice, instead they let me incur XXXX dollar late payments every month knowing there was a solution. This is very poor customer service to not try to offer a way to avoid these fees knowing all along it was fixable. It was more to their advantage to keep collecting fees from a long time loyal customer of 22 years is very low and takes away from their reputation of being honest and professional. They with hold this information for financial gain and that is not right.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Dispute Information Center Dear Equifax XXXX XXXX XXXX XXXX XXXX that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be entitled to damages.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I have a credit card from SYNCB/CARECR, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SYNCB/CARECR with no successful resolution. XXXX, XXXX XXXX XXXX  reporting me 30 days late in XXXXXXXX XXXX. There was an error on their part. I was never 30 days late.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account status causing negative impact on credit anlasys. Score rating impacted. Ujustly violating properley not having a fair and impartial bias will not permit me to be treated equaly.
Consumer complaint received 2019-04-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I have been trying to short sale my house for nearly two years now, the most recent has been submitting yet the documents all over again in XXXX of this year. Previously in XXXX of XXXX and beginning of XXXX I believe, first time was around XXXX of XXXX. I keep getting the runaround, I have a buyer his offer was accepted and we've ( my realtor and I ) have been trying to get this EHLP Loan/Lien paid by Carrington since they will not release it. I and my realtor have submitted everything they've asked for, and I get a letter stating my short sale was denied because I did not submit the documents needed, they don't list the document or documents just that I didn't provide it. I am sick of the back and forth and lack of communication from the short sale department. Now I'm getting phonecalls non-stop, between the hours of XXXX - XXXX by the way, I live on the West Coast the property is on the East Coast, that is still before XXXX, why is Carrington calling at these times? Unprofessional is just one of the adjectives to describe what dealing with Carrington has been like, I just want to get the short sale done and avoid foreclosure.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2019-04-01
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 — Investigation took more than 30 days
Company: Emerald AR Systems, LLC (AZ)

Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by separate collection agencies, one being. Emerald AR Systems I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX, to XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame. I received a response statement with a XXXX dollar balance. I sent a secondary letter requesting this information be deleted in XX/XX/XXXX and have not received a response in regards to this.
Consumer complaint received 2019-04-02
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: Experian Information Solutions Inc. (NY)

Hi My name Is XXXX. I have been a victim of fraud as I did authorize a lot of things being shown on my account. I have tried calling Experian countless times as well as the credit card companies themselves and they just don't seem to get it. 

I was unaware as nothing was being send to my address. I don't know if a person was using my old information. All I know is I have been building my credit and it's saying I have all these Inquiry 's that I never did. I am unaware of. I never authorized. 

I am hoping that you guys can remove the following credit inquiry 's from my report as soon as possible as a courtesy as I am a victim. I have no problem proving who I am. I just want this fixed as you can understand it is hurting my credit. I have done nothing wrong. 

On XXXX It Is Saying I applied for XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX both are fraud and I never signed or authorized anything. 

On XXXX It Is Saying I applied For XXXXl XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XXXX Bank XX/XX/XXXX all of which I have no idea and did not authorize anyone to make any inquiry 's. I have never seen these cards. Someone Is/Was trying to steal my information. I have sent an attachment of all the inaccurate information that I can see on my report.
Consumer complaint received 2019-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NY)

I recently became aware of the XX/XX/XXXX CFPB Enforcement action against Flagstar File XXXX.  I have the necessary documentation to prove that I was an " affected consumer '' under this action ( a copy of the Note from closing in XX/XX/XXXX and the assignment from when Flagstar sold my loan in XX/XX/XXXX ). I was never notified as required by this order. As a result, I was denied the opportunity to explore what modification options would have been available to me. 

I want a complete explanation of why my loan was not identified. I want a copy of my complete loan file. According to the enforcement order, Flagstar is required to retain my file until five years from the order date of XX/XX/XXXX. I also want a direct contact to deal with at Flagstar.
Consumer complaint received 2019-04-01
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: EQUIFAX, INC. (CA)

I have called EQUIFAX now more than 10 times to get this matter corrected. I may have even contacted CFPB regarding a similar situation with this organization. 

I have disputed an item on my credit report that should not be there but Equifax claim they received notice from the company claiming the information is correct. Well, it is not correct. My conversation with Equifax was via phone as I could not access my own personal information online with Equifax. 
I disputed again and now I have received at least 3 emails from Equifax claiming that they have completed my dispute and that I only have until XX/XX/2019 to reply. 
Again, I have tried time and time again to view this information online but have been unsuccessful as before, the Equifax system always give a notice of something along the lines of " can not proceed online '', " unable to continue '', " This page can not be displayed '' or something similar. No matter how many times I have tried to review the e-mail, I can never view it even from the e-mail that they send. 
As I mentioned, I have called this organization at least 10 times and they refuse to assist. They continue to say the same things over and over and over. 
Spoke with several people including a lady by the name of XXXX who is supposed to be a supervisor and she has been absolutely not help but constantly repeats herself over and over. 
I am SICK and TIRED of Equifax. Why do this company and the other two major bureaus even exist? 
Just to give you an example, please see attached documents. 
They give me until XX/XX/XXXX but yet, I disputed again on XX/XX/2019 and a notice came back saying " this is an unmonitored address ''. 
This needs to stop and stop immediately!
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (CA)

There are 7 accounts that are on my credit report that do not belong to me I have not authorized signed or used these accounts I need them off my credit asap!!!! 

I have been disputing these since XX/XX/XXXX - Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiries Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2019-04-02
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 numerous reports concerning the same issue and all go UNRESOLVED because you, my protection agency close the report immediately upon receipt of a response from the identified credit bureau. I am being denied credit or LOAN and charged usurious rates AND PAYMENT REQUIREMENTS TO PURCHASE based on incorrect and outdated information and the credit score is at minimum of 40 points lower from third parties using their system and you send me an email this seems to be similar- really! When will you assist. Right now within seconds i have negatives on my report shopping for a car which here in Florida I am allowed to do at one dealer! Does it matter if you have proof OFF SHORE personnel have access to America personal credit information?
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (UT)

Jefferson Capital Systems is reporting a debt on my file that I do not owe. I recently took a look at my file and noticed this debt is still reporting. This debt is past the statute of limitations in the state of Utah and past the credit reporting limit. I ask that they please remove the account from my file or I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt.