davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates (NY)

This writer was reviewing my credit profile and saw that Lewis , McDonnell & Associates were posting negative marks on all my credit all my profiles for a debt ( account # XXXX ) that I had no knowledge of. I contacted Lewis , McDonnell & Associates multiple times in writing and by phone ( Tel : ( XXXX ) XXXX ), asking them to substantiate this debt because this is not my debt. I have been requesting that the account referenced in this letter be removed as it is not mine, but I never got a response. 

Every time I called and spoke with an agent from this company, I was told that they were reviewing the account. Then, early in XX/XX/2022, I spoke with XXXX ( Ext XXXX ) from Lewis , McDonnell & Associates, who advised that if I wanted to dispute an account, I needed to email my dispute letter to Lewis , McDonnell & Associates at email : XXXX, which this writer did. 

On Thursday, XX/XX/2022 at XXXX PM ( email attached ), I emailed ( emailed to XXXX ) and mailed ( mailed to address XXXX XXXX XXXX, XXXX, CA XXXX ) a notarized letter requesting substantiation of debt. I then called on XX/XX/2022, and spoke with XXXX, who advised that they had received my dispute letters and XXXX was assigned to review the case, but at the time, XXXX was unavailable. 

Under Section XXXX ( a ) ( XXXX ), generally, a debt collector is required to provide the validation information required by XXXX ( c ). However, it has been over 30 days and this debt has not been substantiated. 

Lewis , McDonnell & Associates violated my rights as stated as a consumer under the Fair Debt Collection Practices Act ( FDCPA ), as this debt collector has not responded to a request for a debt validation letter within 30 days. Moreover, they are reporting negatively on my credit report, which is tarnishing my credit. 


Here is Lewis , McDonnell & Associates ' contact information : XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Tel : ( XXXX ) XXXX
Consumer complaint received 2022-12-06
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. (NM)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XX/XX/2021 XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX/XXXX/2021
Consumer complaint received 2020-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

We refinanced our loan last year and the loan was sold to AmeriHome Mortgage on XXXX. We asked for an escrow account. We have been told multiple times what is needed to obtain the escrow account but once we submit the documents and the payment, the company fails to act on the request. I have contacted them multiple times and they keep saying they need something else to obtain the escrow account. Once I submit the new documents, they fail to act on it. I have gone through this multiples times and have even had to make my tax and insurance payments myself. My husband and I are retired and it constitutes a burden for us to make these payments all at once. 

This company has pulled extra payments and have held our money in an escrow account since XXXX, XXXX  but has never made a payment to our taxes or insurances. 

When I request information in writing they say they are going to generate a letter to us but no letter is forthcoming. 

Is there anything we can do about this situation beside refinancing with another lender?
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

On XX/XX/2023 i noticed some questionable late payments on a closed account. The account also seemed to update monthly. To my understanding updating on a closed account manipulates the statute of limitations. Credit Bureaus are governed to furnish 100 percent accuracy at all times and with this XXXX XXXX account on my credit report they have failed to maintain accurate records. The late payments you report are unproven. Please maintain 100 percent accurate records or delete this account.
Consumer complaint received 2022-10-23
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. (FL)

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/XXXX via CFPB case # XXXX be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). I will not accept information from your data furnisher ( LCI ) who has refused to provide me with the " Method of Verification ''. LCI  is relying on " Matching Elements '' from XXXX, in which I have disputed and therefore requires them to contact the bankruptcy court to ensure the " Completeness and Accuracy '' of this record. TransUnion and LCI  has violated FCRA Section 623 ( a ) ( 1 ) ( C ) and 15 U.S. Code 1681s2 which states no personal shall report to the CRA inaccurate information. LCI  or TransUnion has not contacted the courts and continues to report this " Inaccurate '' " Unverified '' information to my credit file causing great damage. I have attached the letters from the courts who has certified that they " Do not report to CRA 's ''. If TransUnion and LCI  disputes this, please do so in writing. Lastly, as stated in my previous disputes, LCI has no " Permissible Purpose '' to have my " Personal Information in their database. I have requested the removal of my personal information in a certified letter and an email to LCI. LCI has violated the Privacy Act of 1974 by phishing information and sharing it without permission from the consumer it relates to.
Consumer complaint received 2022-11-03
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: Experian Information Solutions Inc. (NJ)

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( 5 ), 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 creditor. The account below should be corrected : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2022-10-22
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. (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. 

XXXX XXXXXXXX. Account Number : XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX. Account Number : XXXX XXXX XXXX XXXXXXXX XXXX. Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. Account Number : 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 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 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX, I am a federally protected consumer. I initially communicated with Experian XXXX XXXX in XX/XX/2022 via certified mail USPS in regards to entries appearing on my consumer credit report. Experian sent me an alert via the online app stating that my documents were being processed as a dispute. On XX/XX/2022 I received an additional alert stating that information was being updated. On XX/XX/2022 I mailed Experian a letter stating that I was requesting a complete investigation. I have enclosed letter that was mailed. Experian has continued to violate my rights, breach my privacy and identity.
Consumer complaint received 2023-06-14
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. (TX)

In accordance with the Fair Credit Reporting Act that 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 an account without my written instructions or consent.

The date of Last Activity is totally different from all bureaus it is not such as verified they claim for months when they sent to me. They should send me a new copy after delete this inaccuracy, they should be held liable. I've enclosed a copy of my credit report in the screenshot.
Consumer complaint received 2022-12-12
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-22
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. (NV)

I have filed disputes in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received investigation results.
Consumer complaint received 2022-10-22
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  accounts 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. States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Duvera Billing Services, LLC (LA)

I have hard inquiries on my account that I want them to be deleted because its not me and its fraudulent and I also have loans on my account I did not open that is fraudulent as well as mobile service
Consumer complaint received 2022-10-22
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  accounts 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. States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-13
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: DISCOVER BANK (NV)

This relates to the consumer credit transaction that was started on XX/XX/2021, and completed by signing an agreement with your financial institution. in accordance with 15 USC 6827 ( 3 ) Any information, regardless of format, is considered a document.

According to 15 USC 6801 ( a ), Financial Institutions must advise Consumers of their information sharing policies and give them the option to refuse certain sharing. 

Without providing me the chance to decline, your institution provided XXXX, XXXX, and XXXX with my nonpublic personal information for the above consumer credit transaction. 


The consumer report will not contain any information shared among people associated by corporate control or related by common ownership, in accordance with 15 USC 1681a ( d ) ( 2 ) ( ii ).

Furthermore, according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ), the consumer must be informed in a clear and conspicuous manner that the company may share other information with individuals who are related to them by common ownership or corporate control, and they must be given the chance to request that the information not be shared with those individuals.

Therefore, your organization has broken numerous federal laws in addition to violating my right to privacy. delete the information from my consumer report that is listed below. 
Account number : Discover Bank charge-offs : XXXX If you grant my request, I won't take this situation to the next level and file a federal complaint.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

According to my consumer report I received dated ( XX/XX/XXXX ) and I have noticed various areas in the way CRA are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted any credit reporting agencies or XXXX XXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. 

These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX, Acct : XXXX, XX/XX/XXXX
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (WA)

I advised BSI Financial Services, XXXX XXXX XXXX, XXXX, PA XXXX to immediately cancel my Automatic Payment Plan ( ACH ) after I received a letter dated XX/XX/2020, for the following reasons : 1. BSI 's Website does not allow customers to change their payment date, 2. BSI 's ACH does not allow me to pay electronically from my bank directly to BSI, 3. BSI 's Website did not disclose all possible fees in advance, 4. Despite repeated attempts to contact BSI 's Customer Service, including 40 minutes on hold attempting to get an explanation of these issues, finally the recording said I would receive a call back, but after 10 days, I received no call back, I have determined dealing with BSI 's ACH is just not worth it. 

I am filing this complaint to share my anger at receiving this level of customer service, my home loan was sold to BSI without any input from me. I have a very high credit rating and would think that signing up for auto pay is something BSI would welcome and make it easy for all parties, not send threats of penalties and strict rules and not even answering their phone. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-11-03
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. (MI)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-11-03
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. (TX)

all three reporting agencies experian, XXXX, XXXX XXXX are reporting erroneously my student loans. They made a change between XX/XX/XXXX and XX/XX/XXXX showing my loans all increased when all loans were suspended and it caused a drop in my credit score of XXXX points. I have recieved notification from XXXX XXXX Department of Education that all my loans have been discharged. I am providing documentation. All my loans should reflect XXXX balance per the attached statement. The agencies are reporting incorrectly this is having a negative effect on my finances. The reports need to be updated.
Consumer complaint received 2020-07-31
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. (NC)

An account for a Line of credit with XXXX XXXX XXXX XXXX was paid in full. A letter was sent FROM the original creditor to the credit reporting agencies XXXX  & Equifax to update and reflect the payoff. They have refused to update the information correctly multiple times and they are still reporting negative information on the credit reports. This is continuing to damage my credit file and action needs to be taken immediately. The LOC account with XXXX currently shows a balance of {$490.00} and the balance should show {$0.00}. PAID IN FULL!!!! Please look into this matter immediately as this has been an ongoing issue.
Consumer complaint received 2023-01-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

XXXX created a charge card without my knowledge. I am a victim of Identity Theft and they approved a card without complete verification. I have sent them a copy of the charge card in dispute on a Experian Credit Report, Local Police report on the Identity Theft, XXXX file report, and a memo stating that I was not the person that opened the charge card. I have already cleared 4 out of 7 fraudulent accounts on my credit reports, Which one was another XXXX Charge card. XXXX acknowledged that the other one was fraud, but the XXXX card was not considered fraud due to Publicly available information. When asked for the investigator and the public information I was denied further information. My investigation took well over 90 days to be completed. When the investigator completed it, they did not notify me what so ever. 

At the time XXXX Charge Card was opened I was XXXX overseas in The XXXXXXXX XXXX XXXX XXXX XXXX the United States XXXX XXXX XXXX This shows how little these credit companies care about our information. They will open any card without further identifying or confirming with us. I am now struggling to purchase my house due to my horrible XXXX XXXX. I have served 10 years in the XXXX and I am now alone sorting out my life. No one helps me and these credit companies just don't care.