davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (DE)

I contacted LexisNexis several times on the validation of the bankruptcy on my report & file. I explained to them how they needed to verify the items that was on my report. They replied that they verified my bankruptcy which is false.I asked them to verify how you got you information and you didnt respond with documents. I asked for you to send please me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately, and you guys failed to give SOLID PROOF. LexisNexis uses a database called XXXX to fish out negative info on consumers and you then sell it to the other consumer reporting agencies. Thats violation 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy & congress makes it clear that a consumer has a right to privacy. LexisNexis going out and fishing for negative information about me is an infringement upon a consumers right to privacy pursuant to 15 U.S.C 1681 ( a ) ( 4 ). The second one- 15 U.S.C 1681b ( a ) ( 2 ), LexisNexis did not have a Permissible purpose nor did they have your written instruction. LexisNexis stated that they contacted XXXX, which means they had the information prior to contacting them ; and did not get the information from them. XXXX bankruptcy courts states if someone calls the courts for CONFIRMATION... 

Three Violations 1 : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

2 : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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. 

3 : 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

In XX/XX/XXXX I voluntary turned my car in due to falling behind on payments Credit acceptance sold the car leaving a balance of {$7000.00}. 
On XX/XX/XXXX XXXX  the other party on the loan received a call from XXXX an employee at credit acceptance for a settlement of XXXX XXXX XXXX XXXX. Stating that once paid it would state paid and drop off of our credits. 
On XX/XX/XXXX XXXX the other party on the loan called credit acceptance to get that in writing, XXXX XXXX XXXX  she stated a letter was sent out but also stated that it would not drop off my credit and report as settled. I requested a supervisor call back. Also requested the call with XXXX be reviewed. 
On XX/XX/XXXX XXXX called stating that credit acceptance does not drop anything off of reports. I explained to her that I do know that but they do report to an agency and pay to delete is legal for paying a settlement. She continued to tell me Im wrong and would not transfer my call to anyone. She stated that the settlement amount has not been paid so how do I even know how it will affect my credit. I asked for someone in the reporting department to call me.
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened a collection claim in the amount of XXXX dollars. On XX/XX/XXXX I called about this claim and they immediately wanted my social security number, and payment options. I was not given any explanation why I owed this money, XXXX just wanted payment.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$750.00}. 
XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$280.00}. 
XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$58000.00}. 
XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's giving me anxiety
Consumer complaint received 2023-01-19
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: Bridgecrest Acceptance Corporation (KS)

Accordance with the fair credit reporting act this creditor has violated my rights under 15 USC, 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a credit, may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-12-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (FL)

I checked my credit and saw a medical bill from CHOICE RECOVERY for XXXX XXXX XXXX  totaling $XXXX. I did not receive any notification for any debt for medical services as an indigent individual. I was XXXX with no physical address to receive any forwarded mail. I also let the hospital know I was an XXXX XXXX and did not have any insurance or money. This reporting is against my HIPAA rights a Is did not sign any medical releases before my information was compromised and accessed by CHOICE RECOVERY or XXXX XXXX XXXX
Consumer complaint received 2024-04-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (RI)

This year I was in the process of transitioning all of my bank accounts from XXXX XXXX XXXX in North Dakota to a XXXX  in Rhode Island. During that time I successfully transitioned all of my payroll and auto bill pay processes to the new bank account, expect for one : a home mortgage that is managed by Lakeview Loan Servicing. 

While changing the bank information for my mortgage autopay on the Lakeview Loan Servicing website I inadvertently input the wrong bank account number into the websites field requiring bank information. Due to this error, my mortgage was not paid during the month of XXXX. After learning about this, I navigated to the Lakeview Loan Servicing website to attempt to make a manual payment, which I did. However, I was still unaware that my bank account information was erroneously entered on the website. I did not receive communication, either via postal mail or via email, from Lakeview Loan Servicing that my payments were unsuccessful. 

In XXXX I re-reviewed my bank statement and learned that my mortgage payment was not submitted. That is when I learned that my bank account information was erroneously added to my account. That is why on XX/XX/XXXX I called Lakeview Loan Servicing to work with the servicer to resolve my situation. On that date I made my XX/XX/year> mortgage payment. The customer service representative informed me to call back on XX/XX/XXXX to make the second mortgage payment. 

After contacting the servicer to make this second payment I was informed that I am not allowed to make a payment online because my previously attempted payments were not successful. Instead, I am required to submit a payment via XXXX XXXX for XXXX consecutive months. The Lakeview Loan Servicing website does not feature instructions for making these payments. When I asked a customer service representative to email me the instructions, I was informed that it was not possible to do so.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, I paid off my Macys store credit card in full, in the amount of {$87.00}. On XX/XX/XXXX, I received a {$2.00} minimum interest charge due XX/XX/XXXX. I paid the {$2.00} minimum interest charge on XX/XX/XXXX, 10 days before it was due. I have all of the XXXX statements that confirm this account of events ( attached ). In XX/XX/XXXX, I learned that Macys reported a late payment of 30 days to the credit bureaus, supposedly due to the {$2.00} minimum interest charge mentioned above. 

I have maintained my Macys card since I opened it in XXXX and never had a late payment. I contacted Macys several times about the above matter including, but not limited to, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but to no avail. 

Macys claims that the XXXX late payment is correct and that they will not reverse it. 
This error on Macys part has had and still does have detrimental and deleterious effects on my credit report, and that of my domestic partner, who I added as an authorized user to the account some time ago. 

We are demanding that Macys immediately remove the XXXX late payment notification from my credit reports at all three credit reporting agencies, and those of my domestic partner. 

Before submitting this inquiry, I did a XXXX search and found that several other Macys cardholders are experiencing similar issues.
Consumer complaint received 2022-05-26
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: CURO Intermediate Holdings (RI)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

hello, i sent a dispute for a account that was removed from a dispute XX/XX/XXXX ( report id # XXXX ) but was illegally reinserted on XX/XX/XXXX.i sent another dispute on XX/XX/XXXX to fix this issue but all you did was send investigation results back saying you updated account information not removed my account. it was illegally reinserted because after the reinsertion I was supposed to be notified of reinsertion of the alleged account within 5 business days after reinsertion according to 15 usc 1681 ( 5 ) ( b ) which states : " If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' it also states the grounds for reinsertion : " If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is COMPLETE and ACCURATE. '' now the account should have never been reinserted in the first place but not only was it reinserted you reinserted the account with brand new information which is a direct violation of this federal law. it says a account can only be reinserted if the person who furnishes the information certifies that the information is COMPLETE and ACCURATE. You reinserted the account with no notification to me in writing, as well as creating brand new information on the account then a week later on XX/XX/XXXX you changed the information back to the old information that was on my dispute to make it look like you were in compliance with the law but your not. The documents attached to this dispute are listed by dates on my credit report and support my case, XX/XX/XXXX the balance read {$4200.00}, XX/XX/XXXX the account was removed because of the dispute, XX/XX/XXXX you reinserted the account with a balance {$5000.00}, XX/XX/XXXX you changed the balance back to {$4200.00}. i demand you re-remove this account for breaking 15 usc 1681i ( 5 ) ( b ) by reinserting a account without giving me a notification in writing and furnishing brand new account information then changing it back to old information.
Consumer complaint received 2021-09-30
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. (CA)

I am trying to unfreeze my account with Experian and I am unable to log into my account. The login does not accept my username or password. When I select 'forgot your username ' of 'forgot your password ' it takes me to a page to enter my date of birth and social security number. When entered I get a reply 'sorry that didn't match up, please try again '. This is also true for my wife 's account. 
There is no possible way to call and talk with an agent at Experian. No way. I finally selected 'fraud alert ' on a site, but I have no idea what that does for our problem. 
We were hacked a week ago, and I am suspicious we are subjects to identity theft, and if so, there is no way to stop it without actually talking with an agent to prove my identity and access our accounts. 
Even if there is no fraud, I can't start from scratch and try an open a 'new ' account with my date of birth and social security number to see what the response would be from Experian. 
This is not happening with XXXX and XXXX XXXX.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Loqbox US Inc (FL)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NV)

Shellpoint Mortgage Servicing will not cancel my PMI off my mortgage payment. I should have been eligible to stop paying PMI in XX/XX/XXXX, because I have a good payment history, I am current on the loan, I have no liens on the property, the value of my property has not declined, and I have well over 20 % equity from the original loan value. I sent a written request XXXX, and was denied via a letter I received XXXX. I was denied due to a late payment XX/XX/XXXX and would be eligible to cancel PMI two years after that date. Called in XX/XX/XXXX to ask if PMI could now be removed, was denied again via mail XXXX. Sent written request XXXX and received an e-mail XXXX saying thank you for contacting us, we will send paperwork for you to fill out. Received a letter XXXX saying they were " working to gather info '' I have not been contacted again as of XXXX and my XXXX payment coupon still has PMI in escrow. Also received an escrow analysis dated XXXX that shows me having to pay PMI for another year. Please help.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I opened a Dispute with Experian on XX/XX/2021 for Chapter XXXX bankruptcy it came back valid on XX/XX/XXXX I asked XXXX for validation letter they sent me a paperwork back saying it was validated by XXXX I had disputed it with XXXX on XX/XX/XXXX they had already ready sent me a letter saying the chapter XXXX was invalid removed on XX/XX/XXXX Experian keeps saying its comeing back validated though XXXX and its not I called them I have a copy of my hole XXXX report
Consumer complaint received 2023-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my multiple request ... The inquiries were not authorized and reported in my XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized and reported in my TransUnion XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-08-16
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: CREDIT ACCEPTANCE CORPORATION (NY)

I had my identification stolen and someone was able to take out a auto loan by credit acceptance in my name for years ago I tried to dispute it with XXXX by releasing a copy of a police report and XXXX and credit acceptance refused to take the car loan off my credit report.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year> someone gained access to my debit card information and made multiple transactions and withdrawals in two cities that I do not travel to or do business. The physical card was always in my possession. I have no idea how my information was accessed and funds were withdrawn. I asked Wells Fargo to look into the matter and they said they would investigate. I submitted my claim with them. They came back and said the claim was closed and they would not refund the amounts. I then took the claim to the executive office complaint department. They said they would look into the matter as well. They followed up with the same response and said that I authorized the illegal activity so they would not refund the funds. I asked for more information on their investigation and they would provide me with none.
Consumer complaint received 2022-08-16
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. (NC)

XXXX keeps on saying the inquiries are valid and are not called and dispute15 times XXXX has removed all inquiries from my report and Transuion is doing the same they will not remove the inquires from my report
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX XXXX AMEX XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the XXXX form.