davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (NC)

This company Credence Resource management is harassing me about a collection from 7 years ago from XXXX. They have never sent me a detailed bill but 7 years ago i turner in the equipment when i switched services and any remainder should have been paid by XXXX XXXX. Please help me to get this collection removed from my report. They've just now put it on my report. How can this be legal after 7 years?
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: LoanCare, LLC (CA)

This complaint is related to my second property ( Loan # XXXX ) and similar to my previous complaint related to Loan # XXXX ( Copy of the previous complaint is attached ) Loancare has  been cashing my mortgage payments, suddenly on XX/XX/2019, LoanCare sent me a letter indicating that I am 3 months behind ( See attached ), and subsequently, reported my account as serious delinquent to the Credit Bureau. 

In fact, I have made all payments on time - never late and every/all payments have been received by LoanCare.

Why LoanCare has so much problems crediting my payments? This very same thing happened to both of my properties. Is this a mistake, a discrimination or a simply an ill intent to defraud a customer ...

I have made several inquiries to LoanCare on this subject but have never obtained any response. ( One copy is attached )
Consumer complaint received 2020-02-24
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. (MN)

The information listed on this account is inaccurate and does not belong to me. According to Fair Credit Billing Act. Creditor needs to verify this account actually belongs to me. Creditor needs to verify Date of Last Payment date. Creditor needs to verify which payment method was used to make last payment date. Creditor needs to verify date opened. Creditor needs to verify Highest Balance. Creditor needs to verify accuracy of this account, as it doesn't appear on my XXXX  or XXXX  bureau credit reports, which means this information is inaccurate and fraudulent. I want this account removed from my Equifax credit report. I have sent police report stating I am a victim of identity theft, with said account listed on police report. Unfortunately, creditor is violating Fair Credit Billing Act. and Equifax is violating the Fair Credit Reporting Act.
Consumer complaint received 2017-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I was shocked when reviewing my credit report and found late payments on the dates below on all 4 of my loans with you : 90 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. Also, I called in XXXX and was told that my Student Loans were in Deferment for 6 more months.
Consumer complaint received 2023-08-29
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: Consumer Portfolio Services, Inc. (MO)

I am writing to request the removal of unauthorized credit inquiries on my name of the credit bureauXXXX, XXXX and or XXXX  credit report/credit inquiries that i did not authorize.
Consumer complaint received 2024-03-02
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. (MI)

This account was charged off on the following date ( XX/XX/2022 of XXXX XXXX XXXX ) Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. a charge off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statue 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 : XXXX Account # XXXX
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (AL)

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Inquiries from Credit Report in accordance with the Fair Credit Reporting Act ( FCRA ) Dear Equifax XXXX XXXX, I hope this letter finds you well. I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ) and request the removal of certain inquiries from my credit report. After conducting a comprehensive review of my credit history, I have identified inquiries that I believe are no longer relevant or valid. 

As a consumer, I understand that inquiries can have an impact on my credit score and typically remain on my credit report for a specified period. However, I firmly believe that the following inquiries attached to this letter should no longer be listed : In accordance with the FCRA, I kindly request that Equifax conduct a thorough investigation into these inquiries and, if appropriate, remove them from my credit report. I have enclosed supporting documentation, such as cancellation letters, account closure confirmations, or any other relevant proof, to substantiate my claim that these inquiries are no longer valid. 

I understand that Equifax has an obligation to ensure the accuracy and fairness of credit reporting. It is essential that my credit report accurately reflects my creditworthiness and financial interactions. Therefore, I kindly request your prompt attention to this matter and a diligent review of the disputed inquiries. 

In accordance with the FCRA, I request that you provide me with a written explanation of the results of your investigation, along with an updated copy of my credit report reflecting the removal of the disputed inquiries. Additionally, I kindly ask that you notify any creditors who have accessed my report within the past six months of the corrections made to ensure the accuracy of their records. 

I trust that Equifax will handle this request in compliance with the FCRA, treating my case with the utmost professionalism and attention it deserves. I appreciate your commitment to fairness and accuracy in credit reporting and anticipate a swift resolution to this matter. 

Thank you for your prompt attention to this request. I look forward to a favorable resolution. 

Sincerely,
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 — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am in the process of purchasing a home for my family and it was requested by a lender to pull my credit reports. As part of the review I found there are inaccurate items and should not be on my credit report. The lender indicated to me that missed payments will cause my interest rate to be higher. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT 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. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 90 days past due multiple times according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

Freedom Mortgage short paid property taxes from escrow account.
Freedom Mor  tgage stated refusal to pay full tax amount prior to foreclosure process date.    Property Owner was  forced to make tax payment in order to avoid foreclosure.    County  transaction record clearly states payment made b y Owner though Freedom Mortgage claims they made payment.
Consumer complaint received 2023-06-21
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # 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 has violated my rights .

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2016-11-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

A. Received voicemails that were unclear. B. Received letters indicating different amounts of debt -- -1st {$600.00} then {$5000.00} ( approx. ). 
C. Never received statement of presumed debt from presumed original creditor. 
D. Never received notice of validation. 
E, An erroneous credit report was filed Company is Wakefield and Associates-XXXX, Colorado
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ALLY FINANCIAL INC. (NC)

Hello, I recently leased a car with a 1 time cash payment made up-front. My financing was put through Ally.

About four weeks into the lease - on XX/XX/2020 - Ally sends me a note saying they have chosen to reject the application for financing given information contained in my credit report. They did say they've made an offer to the dealer to adjust the terms / re-send and that I'm being notified as it's my right to see what is in my credit history. 

Two scores were listed in the notice - XXXX had me listed at XXXX which is roughly in line with my monthly credit scores I receive from 2 banks ( XXXX & XXXX  XXXX XXXX - always somewhere between XXXX-XXXX  ). XXXX - who I've never heard of - had me instead listed at XXXX which seems way off of any score I've ever seen having watched these for ~4 years now.

Further, the only reasons given for this low score are - Limited History for consumer at this address [ As if I'm a risk given I just moved cross country - all loans and accounts have not been impacted in this move or my prior moves ] Total account balances Too few retail accounts Too few active accounts [ these all seem similar to complaints from other vendors ]. 

Finally - when I seek out a consumer entitled report from XXXX I am pointed at their website or fax to submit my request. I also require my social security, detailed perosnal info such as birthdate, and my drivers license. 

I do not feel comfortable giving this to a company that looks partially like a scam and am not given any other options to send this report to either my current address ( whcih to be fair - is 2 months old ) or one of my previous more permanent addresses - of which the USPS could forward the mail as I have my move on file with them ). 

Finally - it seems utterly absurd to me that there is a company out there that seems to be undercutting my credit score via invalid methods. I can understand a 20-50 point swing, but to cause me to not be financed via a score that is >110 points off ( on a loan I paid 100 % in case up front ) seems ridiculous and personally I feel like my consumer rights ( not to mention my right as an American citizen to travel freely in our country having committed no crime or ever failed to meet a financial commitment I've made ) are being impeded. 

I've tried to contact the dealer to understand if they received any notice. Ultimately this seems like a shady piece of business from XXXX XXXX and potentially Ally to find cause to tweak their contracts to their benefit by publishing faulty records on their consumers. 

Best, XXXX
Consumer complaint received 2023-02-01
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. (MD)

On XX/XX/XXXX, I requested an investigation of accounts listed on my credit report with tracking number XXXX. Again on XX/XX/XXXX I requested a reinvestigation of accounts listed on my credit report with tracking number XXXX. XXXX XXXX XXXX - XXXX. On XX/XX/XXXX I requested an additional investigation with tracking number XXXX. Additionally on XX/XX/XXXX I provided documentation and a request to the credit reporting agencies via USPS Certified Letters with tracking numbers XXXX, XXXX, and XXXX to remove late payments that should not appear on my credit report. 

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give any Credit Reporting Agency written instructions to furnish this transaction on my credit report. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (WA)

A delete item reappeared on my credit report. On XXXX/XXXX/2017, Equifax deleted the item XXXX XXXX XXXX from my report. After checking my report today, I noticed the item has reappeared. If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they ca n't put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. 

I was notified with the 5 days before they reinstated the item.
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. (TX)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-02-01
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: Resurgent Capital Services L.P. (GA)

In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The following company requested a credit score from Transunion : XXXX XXXX, TX XXXX ( XXXX ) XXXX I my most current check of my credit score, XXXX XXXX, XXXX, I noticed a hard credit score check on my Transunion XXXX XXXX profile. I did not authorize a credit score check by " XXXX '' nor do I have any information about this company. How do I request that they provide a reason as to why they obtain my credit score information from Transunion? 

Thank you, XXXX XXXX ( XXXX XXXX XXXX Cell
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (TX)

XXXX : Worst reporting XXXX. Other XXXX ( Experian and XXXX ) has no collection accounts. But XXXX is still reporting. I have tried my best. Reporting late payments on closed account which are upto date.
Consumer complaint received 2023-06-21
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2022-10-30
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. (NJ)

I was recently made aware that I was directly impacted by the Equifax XXXX. I have had to take time from my business to deal with this matter. Taking time out to research the the whistleblower complaint XXXX XXXX, file a report for Identity theft, and gather all info to state my claim. This has become very time consuming and costly. I am still having trouble reconciling the fact that I was not contacted in regards to being directly impacted by the company. This is very concerning and requires more attention and accountability on the company 's end. I am requesting compensation for being placed in this position. XXXX.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I was given a higher undesirable XXXX XXXX XXXX XXXX on XX/XX/XXXX and again XX/XX/2023. Both times LexisNexis provided a XXXX XXXX XXXX Report to XXXX XXXX XXXX that caused the high rate quote. LexisNexis has no way to get the report on the Internet stating to call them at XXXX XXXX XXXX Upon calling LexisNexis Recording states use the Internet Site. They pass me back and forth with no resolve. No human contact is possible at LexisNexis. LexisNexis lied to Federal CFPB and said they did not know me in a response in Case # XXXX and the employee ( name and phone number hidden ) at CFPB closed my case even thou I was given no opportunity to respond to the LexisNexis lies XXXX Likewise at LexisNexis, no name or contact information to the cubical, or even direct e-mail address, was given in the response given to CFPB by the LexisNexis respondent. Since the unknow employee at CFPB closed my case recklessly and prematurely I have no choice but to file another case in the hope that a different and more competent employee who does not hide their name and contact phone number to their office cubicle will get me my negative credit reports that LexisNexis gave to XXXX XXXX XXXX on XX/XX/XXXX and again XX/XX/2023. 
Once again, and XXXX XXXX at CFPB closed my case with no resolve. I do hope I am not using too big of words that CFPB Employees will not understand.