davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-15
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: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-07-22
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-08-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-15
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: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all  consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I had an account with XXXX which was paid and XXXX refuses to remove the outstanding balance or update my credit report. I have reached out to XXXX on multiple occasions to address this issue and their continuing to report I correct information on my credit report. My payment was confirmed with the below attachment and XXXX continues to report false information. This account was dismounted with Experian and they confirmed that XXXX certified this account has not been paid
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I have problem with this companies has violet my consumer right XXXX XXXX account # XXXX charge off account XXXX  account # XXXX charge off account XXXX  account # XXXX charge off accounts XXXX XXXX  account # XXXX charge off The charge off Is clearly for IRS as gross income the income no get reported consumer reported The laws 15 usc 1681 s-2 Is very clear This company violet
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

This Citibank account charged off back in 2016. 
Although it was charged off, a balance still reported AND there were negative/late payments reporting every month. This is against the FCRA amongst several other FCRA violations including incorrect status of account and inaccuracies across the credit bureaus. This account should be removed from my credit report immediately.
Consumer complaint received 2020-08-15
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: Lexington Consumer Advocacy, LLC (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, There are several credit accounts that i did not approve Please remove the following accounts : XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
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: HUNTINGTON NATIONAL BANK, THE (MI)

XXXX XXXX, XXXX XX/XX/2024 I reported to Huntington Bank via email that there was a late payment of {$340.00} that was reported to the credit bureaus. I provided screenshots and documentation that proved it should not have occurred and additionally the system did not notify me in any manner of the event, or failure of the autopay. 
As I work with Huntington often they sent to the back of their house for review. This would have been approximately XX/XX/XXXX of 2024. I followed up on two seperate occasions as no updates where provided. I was then requested to email a copy of my credit report with the dispute to my bankers- which I did. The credit group provided me with no updates. 
I was then told to mail the dispute to the Huntington XXXX in XXXX OH, which I did on XX/XX/XXXX. I have a copy of the priority mailing ATTENTION DISPUTES XXXX XXXX XXXX XXXX, OH XXXX Package Ship Date : XX/XX/2024 From : XXXX Service Type Priority Mail It has now been over XXXX weeks since my first notice to the bank of the dispute and over XXXX weeks since I mailed the entire correspondance to their disputes department. I have received no communication. I was just about to start the process of a home refiance, this has delayed my timeline considerably and costs have continued to rise which will have a significant long term financial impact on myself and family. Their failure to respond or acknowledge has also well exceeded the FCRA timelines. 
I am hoping you can assist. I have had XXXX late payments on anything in over 4 years, this was a banking error, with significant financial impact, worsened by their failure to respond.
Consumer complaint received 2020-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I submitted a complaint on XX/XX/XXXX after numerous BILL COLLECTOR calls about my mortgage. I pay my mortgage EVERY MONTH via bill pay. My payments are cashed and then applied to a SUSPENSE ACCOUNT or a UNSPECIFIED account. Some payments are applied to my escrow and NOT my mortgage ... so it appears my mortgage is in default. 

THIS COMPANY IS RUNNING A SCAM. NO DOUBT THEY ARE PREDATORY LENDERS AND WILL BEGIN TO CHARGE DEFAULT INTEREST AT 18 % ON MY HOME. 

This started when they took over my home loan from XXXX XXXX XXXX. They said I owed an additional {$5000.00} on my escrow but could never tell me where that {$5000.00} came from. I agree that escrow payments are modified each year, but not {$5000.00} ... it is usually a couple XXXX dollars more or less. This discrepancy appears to be the amount of my tax payment and it is very possible that Specialized Loan Servicing AND XXXX XXXX both paid my taxes which were due XX/XX/2019 the same month of the loan acquisition. 

THIS COMPANY MUST BE INVESTIGATED FOR PREDATORY LENDING PRACTICES, I AM ON A FIXED INCOME AND SCARED TO DEATH THIS COMPANY WILL BEGIN FORECLOSURE ON MY PRIMARY HOME. PLEASE HELP ME.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

I am a federally protected consumer and a natural living person. I am aware that this company by the name of Rc/ Resurgent Receivable is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe this company this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and Rc/ Resurgent Receivable should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ID Analytics, Inc. (MI)

On XXXX XXXX I got a letter from XXXX XXXX XXXX. Rejecting me because of slow payments of debts, too high debt ratio, and no history of installment loan payments. I had just gotten a loan from XXXX XXXX  XXXX  in XX/XX/XXXX for {$2500.00} payable in 48 months and I paid that loan in 6 months in XX/XX/XXXX. Then in XXXX they sent me a letter with the credit reporting agencies they used, XXXX, XXXX, XXXX  and with one I never heard of XXXX XXXX. Then Yesterday ( XXXX ) they made me aware of another credit reporting agency they used SageStream who are these people? I would like to file a complaint against XXXX XXXX XXXX, XXXX and Sage Stream for using erroneous information to deny me a loan. Also I want my correct credit score added to my credit information. I had just gotten credit reports from XXXX, XXXX and XXXX  and they were good.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: LEXISNEXIS (MI)

On XX/XX/XXXX I got a letter from XXXX XXXX XXXX. Rejecting me because of slow payments of debts, too high debt ratio, and no history of installment loan payments. I had just gotten a loan from XXXX personal loan in XX/XX/XXXX for {$2500.00} payable in 48 months and I paid that loan in 6 months in XX/XX/XXXX. Then in XXXX they sent me a letter with the credit reporting agencies they used, XXXX, XXXX, XXXX and with one I never heard of Lexus Nexus. Then Yesterday ( XX/XX/XXXX ) they made me aware of another credit reporting agency they used XXXX who are these people? I would like to file a complaint against XXXX XXXX XXXX, LexusNexus and XXXX XXXX for using erroneous information to deny me a loan. Also I want my correct credit score added to my credit information. I had just gotten credit reports from XXXX, XXXX and XXXX and they were good.
Consumer complaint received 2024-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (NY)

I was reached out to last XX/XX/XXXX claiming I owed roughly around XXXX dollars for a XXXX workers comp policy for my company. I let them know that we did not sign up willingly for any workers comp policy but they continued to harass with numerous calls. 

Late XX/XX/XXXX a man named XXXX from their company reached out threatening legal/escalation for the matters if we did not pay. He scared me into signing up for a payment plan but the following Monday ( 3 days after speaking with him ) I reached out to XXXX and turns out they did have a workers comp policy for us but it was wrongly charged. The time period they " provided '' coverage for my company they estimated XXXX more than we ever did in business during that time. I reached back out to XXXX and another one of his associates and let them know I will not be going with a payment plan and instead resolving the wrongful amount directly with XXXX so that an audit can be properly done because we would not owe anywhere near XXXX dollars we would only owe a small amount of money if we even did ask for the workers comp policy. 

They have continued to call and harass me, and they have also send numerous letters to an old address of mine saying " you did not pay as promised '' and trying to get me to pay them even though we dont owe them. 

The company name is " Receivable management services LLC '' XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (MI)

On XX/XX/XXXX I got a letter from Discover Personal Loans. Rejecting me because of slow payments of debts, too high debt ratio, and no history of installment loan payments. I had just gotten a loan from Discover personal loan in XX/XX/XXXX for {$2500.00} payable in 48 months and I paid that loan in 6 months in XX/XX/XXXX.  Then in XXXX they sent me a letter with the credit reporting agencies they used, XXXX, XXXX, XXXX and with one I never heard of XXXX XXXX. Then Yesterday ( XX/XX/XXXX ) they made me aware of another credit reporting agency they used XXXX who are these people? I would like to file a complaint against Discover Personal Loan, XXXX and XXXX XXXX for using erroneous information to deny me a loan. Also I want my correct credit score added to my credit information. I had just gotten credit reports from XXXX, XXXX and XXXX and they were good.
Consumer complaint received 2020-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (SC)

I spoke with someone at ERC to pay off a collection that was on my account. This collection is preventing me getting a private student loan. I told them I would pay to delete. XXXX XXXX at ERC said if I pay my collection, they would email me 48 hours later indicating that this would be removed from my credit. My collection account was updated to XXXX , but still is on my account as derogatory. This is my only way to get a student loan, no one I know can co-sign for me and this is preventing me from returning to school. She said it wouldve been deleted and they just updated the balance to XXXX .
Consumer complaint received 2020-06-16
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: EQUIFAX, INC. (TN)

XXXX  AND EQUIFAX ARE REFUSING TO REMOVE INFORMATION THAT IS NOT MINE THIS IS A PROBLEM AS I HAVE NEVER HAD STUDENT LOANS OR THESE OTHER ACCOUNTS LISTED CAUSE I HAD A SCHOLARSHIP IN SCHOOL THEN DRAFTED TO THE XXXX THESE ACCOUNTS NEED TO BE REMOVE ASAP
Consumer complaint received 2020-08-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

In XX/XX/2020, I applied forbearance for my mortgage with Carrington Mortgage. I was ready to come out of forbearance and submitted my information. They extended the forbearance without asking while they performed their paperwork. I accepted the repayment plan for past months that were associated with the forbearance. My first payment is due on XX/XX/2020 and they reported a delinquency against my credit reports. I asked them why they did this and they stated it was part of the acceptance of the agreement. Nowhere in the plan I signed does it say there would be a delinquent reporting against my credit. If I know this, I would have never accepted the payment plan and just submitted what was due. 

Also, doesn't the Cares Act protect me from this?