davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (TX)

I am writing to formally lodge a complaint against both Flagship Credit Acceptance and XXXX due to their continued dissemination of fraudulent credit reporting. The ongoing inaccurate information they persistently report concerning an account on my credit profile is deeply concerning and demands immediate attention.

**Account Name : ** FLAGSHIP CREDIT ACCEPTANCE **Account Number : ** XXXX **Account Type : ** Auto Loan **Responsibility : ** Individual **Date Opened : ** XX/XX/XXXX **Status : ** Paid, Closed. 
**Status Updated : ** XX/XX/XXXX I must stress that this account has never had a late payment, and been successfully closed and paid in full.

Flagship Credit Acceptance is notorious for extending predatory loans to countless financially vulnerable individuals seeking to acquire used vehicles. These loans are laden with exorbitant interest rates and burdened with costly add-on products, thrusting borrowers into a cycle of debt. 

Fortunately, through my affiliation with the XXXX XXXX XXXX XXXX, I managed to refinance with the XXXX XXXX XXXX XXXX XXXX, effectively sidestepping Flagship Credit Acceptances exploitative lending practices. 

However, my optimism was short-lived, as it has come to my attention that the creditor deliberately withheld the payoff check for a staggering 60 days. 

Subsequently, they purposefully relayed inaccurate information to the credit reporting agencies, falsely asserting late payment ( s ) of 30 and 60 days. These assertions conveniently correspond with the period immediately preceding the loan payoff.

I have undertaken several concerted efforts to dispute this misinformation.

While Consumer Reporting Agencies hold a pivotal role and bear the responsibility of utmost accuracy in reporting consumer information, the gravity of the matter necessitates a thorough investigation.

I earnestly request an in-depth inquiry, backed by concrete evidence in the form of statements validating any claims of late payments. It is my genuine plea that the account 's status be rectified to accurately reflect " paid in full, '' and any indication of late payments be deleted. These late payment claims are baseless, as I can affirm with absolute certainty that I was NEVER late in my payments. 

This issue transcends mere discrepancies and strikes at the heart of my financial integrity. I implore you to understand the gravity of this situation and act swiftly to rectify these damaging inaccuracies. I kindly ask for your prompt attention to this matter and a timely resolution. You hold the power to restore the integrity of my credit report and, in doing so, alleviate the undue distress this situation has caused.

Please treat this matter with the urgency it deserves. I eagerly anticipate your comprehensive response, complete with a detailed plan for investigation and resolution.
Consumer complaint received 2018-03-06
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: FIRST ADVANTAGE CORPORATION (OR)

They reported an issue of Theft 2 which was dismissed due to being an untrue allegation by my ex. The company reported this as a conviction and it took weeks for them to correct, causing me to lose an employment oppertunity and damaged my reputation.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NC)

I was told by a Discover Credit Card representative in XXXX of XXXX, that if I agreed to enroll in their Fresh Start Program, that Discover would decide what a new more affordable minimum monthly payment would be based on my card balance, and that if I agreed to enroll in automatic bank withdraws for XXXX consecutive months, never missing a payment, that they would remove the late/delinquent payments reported to the credit bureaus at the end of the 3 month program, and that monthly amount would be my new minimum monthly payment moving forward. The call was recorded. I wrote down and agreed to the Fresh Start Program. I had a new payment of {$270.00} automatically deducted from my checking acct each month. I haven't used my credit card in almost a year, and have made payments per the plan. The balance has increased {$770.00} throughout this program. My card was maxed at {$8000.00} now it is showing a {$8700.00} balance. 
Discover lied to me. The Fresh Start Program is false. I was financially exploited, and my credit score has dropped XXXX points. They did not remove late payments at the end of the program ( as I was told ). They did not stop reporting me as delinquent to the credit bureaus and now it appears I haven't paid them in over 6 months per my credit reports. 
Today I spoke again to Discover to try to get them to remove those negative marks as I was told they would. XXXX XXXX on our call XX/XX/XXXX from XXXX EST to XXXX said she understood I was lied to and was sorry that happened, yet all she can do is make a complaint against the agent that signed me up for XXXX XXXX.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX  XXXX - XXXX Unknown - XXXX
Consumer complaint received 2020-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

I am a victim of identity theft due to an XXXX Credit Breech.CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX, MI XXXX, acting on behalf of XXXX XXXX, has continued to report this fraudulent account, contact me to harass me and send me threatening letters.Even after they have received on XX/XX/2020 identity theft documentation and notification that this account was a result of identity theft accordance with of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly.
Consumer complaint received 2018-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC (CA)

They yet to prove this account is valid and when it was actually obtained when they bought it from the original creditor. I've asked this numerous times and still no reply. I would like this collection taken off all three of the credit bureau 's reports for me. 

PINNACLE CREDIT SERV Account Number XXXX Account Type Collection Terms Date Opened XX/XX/XXXX Account Status Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated - Credit Limit - Past Due Amount {$1500.00} High Balance {$1500.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX XXXX, MS XXXX, C/O XXXX XXXX XXXX, XXXX, SC XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, I am writing to submit a complaint regarding fraudulent accounts listed on my credit reports provided by XXXX, Equifax, and XXXX. Over the past several months, I have discovered unauthorized accounts on my credit profile which I believe are the result of identity theft or fraud. 
I have repeatedly contacted [ XXXX, Equifax, and XXXX ] from XX/XX/XXXX to XX/XX/XXXX to dispute these accounts and requested their immediate removal. Despite providing sufficient evidence and following the necessary procedures, I have either received no response or inadequate responses, and the fraudulent information remains on my credit report. 
The presence of these fraudulent accounts has severely impacted my credit score and has caused significant distress due to the potential for long-term financial harm. 
I am demanding that the following fraud accounts be removed from my credit profile without further delay : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I applied to rent a house recently, and I was denied. Trans Union is providing inaccurate information on my credit report through their rental application process department. It shows that I have XXXX XXXX  ; XXXX in XXXX XXXX, XXXX in XXXX XXXX that was dismissed because I paid it. XXXX in XXXX XXXX XXXX XXXX I never resided in. I contacted Trans Union and submitted XXXX dispute ( XXXX ) for XXXX of the XXXX  in XXXX XXXX. None of these evictions should have been on my report. I filed XXXX  XXXX bankruptcy and all XXXX judgements were added. To my bankruptcy, except XXXX XXXX because I never lived in XXXX XXXX and this information is inaccurate. Trans union needs to remove this inaccurate information on my credit report this XXXX cause me to become homeless if I can not get a leasing and/or rental agency to except my application. I have already wasted a {$150.00} dollars on application fees. I spoke with XXXX in Trans Unions XXXX XXXX department and she told me that it doesnt matter if I filed bankruptcy. That trans union can report whatever they find in the system about me.
Consumer complaint received 2020-02-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

To whom it may concern : about three months ago I complained about XXXX that is resurgent capital services debt collection agency complaint # XXXX. I thought this account was charged off I understand that even though it's charged off I still owe. I keep explaining my situation to them that Iam in financial hardship I don't know how they want me to show evidence of my hardship. I've told them the only way I'm able to survive is by food stamps and still they don't know my unforeseen circumstance that lead me to financial hardship. You know just show them that I will work with them I'll send them XXXX or even a {$1.00} since this company wants what is owed to them. This company does not understand nor do they seek to understand the hardship that I am in. So, until I'm with a good job and that will provide me with money to pay what is owed I will send them a {$1.00} dollar when I ever I am able too.
Consumer complaint received 2017-10-19
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: EQUIFAX, INC. (OH)

My name is XXXX XXXX. I have been disputing with the credit reporting agencies for several months now. They are reporting a Bankruptcy that I have been trying to get additional information on. I have asked the XXXX house if they correspond with credit reporting agencies and they indicated they DO NOT. The bureaus are using a third party as well to report information that they themselves do not investigate. Even that company they use DO NOT CORRESPOND WITH THE XXXX HOUSE EITHER. The FCRA mandates that if they report information they have to be able to truly validate it. How is that possible if the court house wo n't? Anyone how owns a computer can research things but that does n't mean that it 's true information!
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (OH)

Loan from XXXX XXXX XXXX XXXX : Loan originated in XXXX of XXXX for approximately {$35000.00} rate of 3 % for 60 months I set up auto payments shortly there after, I included a small amount extra in the payment to be included in the principal to pay the loan off faster. 

I noticed that the extra I was paying was NOT being applied to the principal as I requested. I called on XX/XX/XXXX to try and straighten this out. The reps at XXXX XXXX alleged that they could not apply the extra with out a phone call to implement a manual process. So they were making it intentionally difficult to pay a loan off early? I resigned myself to not being able to fight a large company, and told them to go ahead and apply the extra money I had paid to the principal. I was told this was done and I would receive an email/notice of some sort. 

As far as I can tell nothing happened. No notice, no extra paid down on the loan. I called again today on XX/XX/XXXX with the same issue. I would like to know how I am unable to pay this loan down. I do not understand why the process was difficult it is all simple math and is in no way complicated, unless by design of XXXX XXXX XXXX XXXX. The reps gave me generally the same story that I could not pay any extra principal on the loan without a phone call and manual process. However this was ONLY available to the past 3 months of over payments. I said yes please apply the principal but I insisted on some sort of notice in writing that this was being done. The flat out refused to give me any notification. I got " service numbers '' which mean nothing to me. I would like to see something in writing that my transaction is being processes, and carried out. I have zero way of knowing if XXXX XXXX will keep their word or simply get lost in their bureaucracy. I asked to escalated to someone who could give me some sort of notice. I spoke to " XXXX '' and I was met with refusal. 

( Service numbers provided by XXXX XXXX : XXXX XXXX XXXX ) No one would identify themselves to me, I had no way of knowing who I was talking to or what actions to take next if my money was not being spent according to my wishes. 

I would love to have a conversation with someone knowledgeable on the subject. I also find it unethical that a company can make paying off a loan so difficult for consumers. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2017-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I have a current mortgage contract for a fixed 2 % loan and the lender arbitrarily changed my interest rate to 8.625 %. My monthly payment has been {$540.00} and the lender has now raised it to {$2000.00}.   I have contacted the lender by phone several times to resolve this matter but they are unable or unwilling to resolve this matter.
Consumer complaint received 2023-01-24
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. (MI)

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. XXXX, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I have multiple inquiries that i did not do or apply for. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX