davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
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. (MD)

I am writing to delete the 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 Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc. (WI)

Per FCRA 623 ( a ) American First Fiancial is in violation of the FCRA. The company is under obligation to only report accurate and updated information. Sending a consumer a copy of contract does not excuse the company for said violation. My account with them has been satisfied in full via Chapter XXXX Bankruptcy. The company has received copy of discharge paperwork and has blatantly refused to update the account to credit bureaus accordingly. Per 15 U.S. Code 1681s-2 Information can not be reported incorrectly. Since the account and the debt associated with it has been satisfied via Chapter XXXX Bankruptcy, the company is knowingly in breach. They are obligated by law to either delete this account and/or update to state " closed or satisfied '' verses " derogatory '' and to delete the payment history, as well as balance. American First Financial 's continual refusal to comply with the laws will allow me to seak punitive damages should they continue to violate the FCRA by knowingly providing inaccurate information to credit bureaus.
Consumer complaint received 2021-04-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

We have been paying out mortgage payment however out processing center Lakeview Loan CarXXXX Service has not been making out property taxes or insurance payments out of escrow. We have already contacted the company multiple times as well as the XXXX XXXX XXXX and nothing has been done to correct this issue.
Consumer complaint received 2021-04-23
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. (TN)

I have contacted Experian and the Creditors XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (WA)

They are saying I owe {$1800.00}, and the original responsibility of the debt is split between 3 people but the collection agency would not allow me to split the payment. They also continuously call during work hours when we have told them several times not to do that. If they dont contact me personally, they will contact my significant other and harass her with calls. They were repeatedly harassing me about my stimulus money, which I never received. I asked for a debt validation letter and they refused to give me one. I still have not received it. When I asked for it, I was treated very rudely on the phone and they quickly hung up. They absolutely refused to reduce the balance or make a payment plan.
Consumer complaint received 2021-04-23
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: Experian Information Solutions Inc. (KY)

Missed payments reported because of the ic storm in texas shut down the payment XXXX XXXX is showing missed on all 3 credit reporting agencies..multiple call and letters and disputes still not corrected..
Consumer complaint received 2021-04-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On XX/XX/XXXX, my vehicle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was parked on XXXX XXXX and hit by another vehicle. When I came out no one was around and my vehicle was crushed. I immediately contacted both XXXX XXXX and XXXX XXXX. My vehicle was deemed a total loss by XXXX. My auto loan contained a gap waiver and was covered by XXXX insurance and both payments were issued to XXXX XXXX for the full price of the auto loan. 

However, XXXX XXXX has continued to charge me $ 473 monthly for a vehicle that has been totaled out and paid for. As of today XX/XX/XXXX, they have accumulated charges to the sum of {$4800.00} dollars. I do not owe them this money. XXXX paid them and the Gap waiver paid the balance.
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TN)

Recently had a creditor ( Credence Management Resource, LLC ) added to my credit profile. Upon research, they are a debt collector representing XXXX. I had XXXX since XX/XX/XXXX. I ended up purchasing a new phone/equipment and financed it. My end date was XX/XX/XXXX. I paid and since I ended my contract, I decided to go with another carrier XXXX. I called XXXX to get my balance and they provided it and I advised that I was leaving and to make sure there was no balance once paid. I had the conversation recorded as well. I paid the balance off in XX/XX/XXXX in the amount of {$260.00}. 

I sent a certified letter twice to Credence and provided them all of the paperwork and the original contract along with bank statements. They in return sent me a bill from XXXX dated XX/XX/XXXX for {$130.00} with a different phone number that I never had nor know anything about. I obtained service with XXXX the same month ( XX/XX/XXXX ) I cancelled with XXXX. They still have this on my credit and have not provided me with a contract or anything to show that I signed up for an account with that number. I have provided them with everything to prove my case.
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Sequium Asset Solutions, LLC (VA)

Sequium contacted my previous employer via email and included details about the alleged debt. This contact was also not in compliance because it's main purpose wasn't to contact me or get contact information. Sequium violated the law. They have a legal obligation not to give out detail information about why they're contacting me.
Consumer complaint received 2021-04-23
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. (TX)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Unauthorized- Please delete immediately as I did not give anyone my written permission to pull my credit at all.
Consumer complaint received 2021-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Banks XX/XX/XXXX XXXX AUTO FINANCE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized- Please delete immediately as I did not give anyone my written permission to pull my credit at all.
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

After refinancing my home, my loan XXXX {$390000.00} XXXX was sold 3 times after closing at the end of XXXX XXXX. Planet XXXX XXXX sold the loan to AmeriHome Mortgage XXXX XXXX, XXXX. Per my escrow instructions I sent my first payment for XXXX XXXX, XXXX to Planet XXXX XXXX in the amount of {$2600.00} XXXX {$1500.00} in payment plus {$1100.00} extra towards principle ). This lowered my balance to {$380000.00} which Planet XXXX XXXX transferred that balance to AmeriHome on XXXX XXXX, XXXX. Unfortunately AmeriHome shows a starting balance of $ XXXX and I am not given credit for that first payment of {$2600.00} sent to Planet. They constantly send letters and phone calls stating I am in the rears. 

I have reached out to AmeriHome XXXX times and spent hours trying to resolve this to no avail. I have sent copies of my canceled check, an activity statement from Planet which states the transfer amount of {$380000.00}. I also sent a copy of a letter from Planet stating the XXXX XXXX, XXXX is the date AmeriHome will be servicing my loan. I am at my wits end and hope you can help me resolve this problem. I will be attaching these documents.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Please accept this letter as notice that you are in violation of negligence and false reporting by selling the contract without taking you to arbitration, failing to mark the account as disputed, verifying the account without providing account level documentation. According to the FCRA Section 1681e of the FCRA requires that CRAs follow reasonable procedures to ensure the accuracy of the information they collect, maintain, and provide to third parties.

Failing to follow procedures has put me in situations where I have lost credit opportunities, higher interest rates, denial of credit, and non-economic damages such as emotional distress. Ruining my reputation and character.
Consumer complaint received 2021-04-23
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 — Was not notified of investigation status or results
Company: California Business Bureau, Inc. (CA)

I have been fighting with California Business Bureau for some time now. There is a collection for XXXX XXXX XXXX XXXX. I call them to settle this on my credit report it shows {$540.00} then they tell me it {$900.00} ARE YOU KIDDING ME. Then am told that they will only deleted it if I paid in full. This is insane that the credit report said one thing then when you call it XXXX dollars more. I feel they are just tryin to get more money from me. I am willing to settle on the {$540.00} with a deletion since this is old and almost to the 7 years past stats. I do not feel that this is an unreasonable request.
Consumer complaint received 2021-04-23
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. (GA)

Experian removed a bankruptcy record from my report because it was inaccurate and unverified. 

There are three accounts that reflect comments associated with this said inaccurate and unverified bankruptcy. 

Those comments and negative payment errors need to be removed. Experian just added that information back to my comment. Its incorrect and needs to be removed immediately. They continue to removed and re-add false inaccurate information. 

This is illegal and its tiring to have to continue to call, dispute and file complaints.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I received a notice that my account was past due. I made payment on XX/XX/2021 for a payment that was due on the XXXX of XXXX. The payment was taken from my account at XXXX Bank on the XXXX of XXXX. They did not POST my payment until XX/XX/XXXX conveniently a day PAST the due date so they added a late charge to my account. 
On XX/XX/2021 I made payment in the amount of {$97.00} to XXXX through my XXXXXXXX XXXX account again, payment due the XXXX of XXXX. They did not post and charged INTEREST AND ANOTHER LATE FEE. 
On XX/XX/XXXX I submitted paperwork to show my payments were made timely and it was their posting issues that were not MY FAULT. I have repeatedly tried to get this resolved and I get nothing but " canned '' responses to my secure email messages that they can do nothing until they " find a resolution ''. I PROVIDED WRITTEN CONFIRMATION from my bank account showing my payments to them with no result. Yesterday, they reported to the credit bureau that my credit limit has been reduced to {$0.00} from a previously assigned credit limit of {$750.00} causing damage to me personally from this report. I can not get anyone to fix this in Comenity Bank so I have had to resort to this method.
Consumer complaint received 2022-02-01
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)

On XX/XX/2021 I paid XXXX XXXX the amount that was owed IN FULL via my XXXX Bank account ( statement is attached ). On XX/XX/2021 they reported it to a collection agency who reached out to me demanding payment. I disputed it with them saying it was paid in FULL. I never heard from them again. Now the XXXX XXXX account is showing on my credit, even though it shows it is paid. This is a violation of the FCRA. It should NOT be on my credit to begin with as it WAS paid BEFORE they sent it to collections.
Consumer complaint received 2021-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klima, Peters & Daly, P.A. (VA)

I filed a police report, Fraud FTC affidavit and provided a written Fraud statement to XXXX XXXX and the CRAs. Subsequently the CRAs validated my ID Theft and removed my tradelines. XXXX XXXX just attempted to collect on this balance via a notice in the mail which is a violation of FDCPA and FCRA. I do not owe them. This was ID Theft. I plan on taking any necessary action to resolve this as I am being taken advantage of.
Consumer complaint received 2021-04-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I have been trying to get help with a loan modification with mr Cooper mortgage. I have a letter that states I am a successor of interest for the property & im being told unless I have legal documentation showing Im taking ownership of the property it wont be approved. From my understanding & reading online, a successor of interest has the same rights as the original borrower of the loan & that I should be allowed to get a modification.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: AMERICAN HONDA FINANCE CORP (MN)

It is showing up as a negative mark on my file, even though it is paid off in full. I have called Honda Finance as well to ask for relief and to have it corrected and they will not. I am trying to get my credit in order after my divorce to be able to purchase a house, and something like this is keeping my score down. I pray for relief.
Consumer complaint received 2021-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Hello my name is XXXX XXXX XXXX. 

have a ZERO debt profile with a credit score of only XXXX. 
Jefferson Capital is the collection agency that are RELENTLESSLY trying to get over {$1800.00} from me for a XXXX bill or debt that is NOT mine. I have tried to no avail to get this company to remove this off of my credit reports. I have requested proof of debt, i have sent in faxes, nothing has worked, As stated above I have ZERO debt and this collection from Jefferson Capital is really a thorn. I take my credit very serious and this debt is causing GREAT HARM to mine and my XXXX year old daughters lives. She wants a puppy and I need space to pursue my art career. Neither can happpen with this collection on my record. I need and want badly for this debt to be fully removed from all three credit bureus so that we can continue our quest to be firs time homeowners here in this great state of Texas. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-02-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

This is all described in an existing open complaint, but I want to note that THIS ERRONEOUS CREDIT REPORT TRADELINE WAS UPDATED BY THE CREDITOR ON XX/XX/XXXX, AND WAS UPDATED BY EXPERIAN 'S COMPETITOR 'S XXXX  AND XXXX ON XX/XX/2021. And yet here we are a month and a half later, and two complaints to CFPB later, and with it resolved ON MY CREDIT REPORT, and yet Experian claims they are still investigating. What is it that they are investigating? So I note that they have failed to complete an investigation within the 30 days required by law, in addition to LYING ABOUT DOING ANY INVESTIGATION WHATSOEVER INTO MY DISPUTED TRADELINE. Had they done any investigation, they would have updated the report on XX/XX/XXXX with the correct balance and closed notation, just like the other reporting agencies. They really are claiming to investigate and NOT INVESTIGATING. And at this point, THERE IS NOTHING TO INVESTIGATE, yet they are lying to CFPB and to me, and CFPB is allowing them to get away with it. Here 's my prior complaint on their same FAILURE TO INVESTIGATE A MINOR DISPUTED ACCOUNT TRADELINE. 

XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2021 Open Company response is in progress as of XX/XX/2021
Consumer complaint received 2021-04-23
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)

I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 
By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts :
Consumer complaint received 2021-04-23
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 disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 
By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts :
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

I am trying to verify I was successful in placing a credit freeze on my Experian credit report. I tried to log in to my account several times and was always met with a page that said something went wrong. A phone number is provided on that page which you are instructed to call XXXX. When I tried to call I could only get automated responses and the company would simply not connect me to a representative and in fact the automated system hung up on me. I have tried several other numbers all returning me to the automated system. Simply put there is absolutely no way to get a human being on the phone to work through a problem that clearly their automated system is not set up to handle. I need help reaching a person to get this rather simple thing done.