davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (IL)

This communication is in reference to my LexisNexis Accurint Report dated XX/XX/2023, Consumer Number XXXX, Case Number XXXX. This communication shall serve as my formal written notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. In an effort to correct the inaccuracies that LexisNexis Accurint is reporting, I have requested the source information for ALL items being reported on my LexisNexis Accurint Report numerous times. None of my requests have been acknowledged or fulfilled by LexisNexis Accurint. Therefore, this communication shall serve as my formal written request for LexisNexis Accurint to provide me with ALL source information/documents for ALL items on my LexisNexis Accurint Report.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MI)

I bought a car from XXXX, before learning of their terrible reputation for selling faulty vehicles and failing to honor their warranties. My car broke down on the interstate last Saturday. For the last week I have been trying to get their subsidiary company to tow my car to a shop for assessment, they refuse to pay for the tow ( which is covered by the warranty ) and during this time I have been forced to pay out of pocket for transport to and from work. Until my car is operational or a replacement has been provided it doesnt make sense to me to pay for this vehicle while the company I am paying is not holding up their legally agreed upon end of the deal. This report is to protect my credit from being harmed by this maliciously derelict corporation.
Consumer complaint received 2022-10-12
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS HAS VIOLATED MY RIGHTS! THE OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681 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 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 



XXXX XXXX - XX/XX/XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Ray Klein, Inc. (OR)

I had an on the Job Injury. XXXX did not pay {$700.00} while I was going to XXXX XXXX XXXX XXXX. XX/XX/XXXX It was sent to Ray Klein Inc. dba Professional Credit Service. I was then put on SSI. 
XXXX XX/XX/XXXX Ray Klein Inc. dba Professional Credit Service Garnished my savings from an out of XXXX Credit Union for {$1400.00}. I spoke to An Attorney XXXX XXXX an was told this was illegal. 
Spoke with XXXX XXXX employee of Ray Klein inc. dba Professional Credit Services he said to fax copies of bank statements showing my SSI direct Deposit and copy of Bank statement showing where I sent the deposit into savings. I would be refunded. I did send copies. I am contacted by XXXX XXXX Ray Klein employee dba Professional Credit Service she asked for the same thing I refaxed paper work. I told her I want a " Refund '' of {$500.00} for the reimbursement of my SSI she said it would have to be a Loan I would need to make payments on. Now they have all my Bank info an I have to change to a XXXX card instead of a bank so they wont have my information. I have been lied to regarding this and I Want my monies back.
Consumer complaint received 2021-08-27
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. (OK)

I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I recently filed a complaint via CFPB in regards to TSI ( Transworld Systems Inc. ) furnishing information on my credit report. I researched and it appears the original creditor is XXXX, XXXX  XXXX XXXX. Now, TSI responded and said they received information to VALIDATE my alleged debt, to which they send yet another bill with itemized numbers and information that does not solve the solution. Question, how did you VERFIY ( not validate ) this alleged debt? Because according to 15 usc 1692 ( g ) ( 4 ) when a debt collector is notified that an debt is disputed, the debt collector is SUPPOSED to obtain VERFICATION, not validation of the said debt. YOU ( TSI ) responded with " validation information ''. This alone, is a violation. 

Secondly, how did you get the address that is listed? It seems to me you have infringed upon someone's privacy ( identity theft ), aka personal data to retrieve such information. Hopefully, YOU ( TSI ) didn't send " validation information '' to a household that is unknown to any party, because that surely increases the chances of identity theft and that would be in violation of 15 usc 1692 ( f ) ( 7 ) ( 8 ). The address that is stated on the " validation information '' pdf belongs to someone who lives in a house ( XXXX search ). See how easy that was to send unwanted strangers to a particular place. I have NEVER OWNED a house in my life. 

On XX/XX/2021, TSI removed this account off of my credit report, then chose to furnish it once again, that reported on XX/XX/2021, causing a derogatory mark to hit my report and also a decrease in points on my credit score. YOUR ( TSI ) collections practices have been used to slander my name and ruin my reputation and according to 15 usc 1692 ( d ) a debt collector may not engage in any conduct the NATURAL consequence of which is to harass, OPPRESS, or abuse any person in connection with the collection of a debt.
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A. (NY)

I have purchased an official bank check from Citibank on XX/XX/21. The check was stolen and someone forged their bank check. The bank check was payable to XXXX in the amount of {$41000.00}. Someone forged the check and changed the payable name to an individual name. It takes Citibank 90 days to investigate this claim. I have received a response from Citibank by the end of last month. The recovery amount is {$31000.00}. This is not acceptable. Someone forged the check, not me. It's loss Citibank are supposed to absorb. Citibank are responsible for making sure consumers are protected. The fraud was committed against them. They should have had a system to ensure their bank checks are paid to only the payees.
Consumer complaint received 2023-10-15
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: Resurgent Capital Services L.P. (MO)

I have been trying to dispute the {$390.00} for over a year now with multiple disputes. I have not received any items from this company. I have asked the company if they can provide me with the tracking number so that I track or see if the item was delivered. LVNV FUNDING LLC has refused to give me any information so I could dispute it with credit bureaus. This company has also added this on my credit report without notice.
Consumer complaint received 2022-10-12
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Commonwealth Financial Systems, Inc. (CT)

I received a call from Commonwealth stating that I owed them money on a debt. I notified them that the debt was included in a Ch. XXXX bankruptcy and that they should n't be contacting me and they could contact my lawyer for verification if needed. The " adjustor '' transferred me to someone identified as their head legal counsel/attorney who told me that if I did not pay the debt within 72 hours that they will seek criminal charges and my wages, tax return and any income will be garnished as well as freezing my bank account. I informed this person that he could speak with my lawyer and was told " we do not speak with lawyers you can have a lawyer represent you in court. '' I received multiple other calls from then and in XXXX call " XXXX '' accused me of being unwilling to be responsible and pay my debt and said that I will end up paying over {$7000.00} now for their legal fees and criminal charges will be filed against me. I informed her that I knew that what they were doing was illegal and she yelled at me that it was not at which point I said to stop harassing me.
Consumer complaint received 2022-10-12
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

this is for loan # XXXX with Freedom mortgage. have not updated it in nearly 5 years, since my XXXX due to having lost nearly all ability to type. have had many experiences since then, too numerous to list. my name is XXXX XXXX and i can be reachedXXXX XXXXXXXX
Consumer complaint received 2021-08-27
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. (PA)

I have been patiently waiting on their response about 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 willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ( Original Creditor : ) XXXX Balance : {$48.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX  XXXX Balance : {$1100.00}
Consumer complaint received 2022-03-28
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. (TX)

I'VE REACHED OUT TO THIS COMPANY ABOUT THESE ACCOUNTS REPORTING ON MY FILE. ADVISED THEM THAT IT DIDN'T BELONG TO ME AND i CONTINUE TO DISPUTE AS THIS HAS DISRUPTED MY LIFE. NOW I WILL TAKE DIFFERENT APPROACH WITH THIS AND NOW THESE COMPANIES ACCORDING TO THE FCRA FDCPA THEY ARE IN VIOLATION FOR INACCURATE REPORTING ... .PLEASE SEE ATTACHED PRINT OUT OF MY CREDIT REPORT AND THE VIOLATIONS THAT ARE CIRCLED. THIS IS CONSIDERED AGGRAVATED IDENTITY THEFT
Consumer complaint received 2021-05-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (NC)

I have contacted Aldous and Associates due to a health club membership. I attempted to dispute the debt because the amounts stated that were owed appeared incorrect. I requested documentation of the account to show when account became delinquent along with an exact amount owed. This has not been provided. I have called several times and wrote letters, they are not responding to calls or letters and still are reporting. Aldous did send a letter on XX/XX/XXXX with page 1 of a 2 page document. I requested the entire document, to which the request was ignored and demand for payment has been made. I called XXXX XXXX at Aldous and I requested to speak with a manager regarding this account. On XX/XX/XXXX at XXXX I was placed on hold for over 24 minutes, at which time she hung up. The second time I called on XX/XX/XXXX at XXXX, I received XXXX XXXX who indicated that a supervisor will call me back with updates on the account. As of yet, I have not gotten a response. I have been a victim of identity theft and am unaware if this account has also been compromised, as there seems to be no trace of whats owed. 
There appears to be no transparency in charges on the account. I have no idea what date the account became delinquent. I have requested records from XXXX XXXX XXXX and XXXX XXXX who sold the debt to Aldous, and they also have no record of this account.
Consumer complaint received 2017-08-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NY)

I filed for modification for our mortgage with Citimortgage in XXXX 2017. I kept getting the run around when I would call and speak to my homeowner specialist. Every time I went on their site to check for additional documents needed etc. it was and still is down for temporary maintenance. I have had 4 different homeowner specialists on this modification. I waited and waited and did not receive any documentation through the mail or online indicating what was happening. In XX/XX/XXXX I called my specialist at that time ( XXXX XXXX ) and was told our modification was still sitting on the desk of the underwriter. She did not know what was taking so long. We filed for a modification in the past and know the process. Usually after 90 days you have to resubmit bank statements etc. We received no notification stating to submit new items.On XX/XX/XXXX I received an email from XXXX XXXX stating our modification was still on the underwriters desk. So we wait longer with no updates. Then I call on XX/XX/XXXX because I receive a letter from Citi stating they were sending our mortgage for foreclosure to the foreclosure attorney. I speak to a gentleman who is talking through my homeowner specialist. ( I do n't understand why he did not speak to me directly. ) At this time I am told we were sent a letter demanding payment in XX/XX/XXXX which we never received. Then I am told on XX/XX/XXXX we were turned down for the modification. Why then did I get the email on XX/XX/XXXX stating our file was still on the underwriters desk? Again we were never informed. I asked if I could resubmit for another modification and was told yes. XXXX took my info including my phone number change ( this is the second time my number was not changed in their system ) and said he would submit it to my homeowner specialist and he would reach out to me. I received no phone calls or letters so I called again on XX/XX/XXXX and actually got my homeowner specialist. He asked the identifying questions and again I was told the phone number I gave them 2 times previously was not correct. he said he corrected it but I will see the next time I call. He also mentioned that was why he probably could not get hold of me. He put me on hold to finish what he was doing when I called. I attempted to ask questions when he finally came back and was told he could not talk at that time because he had another call scheduled. He did schedule a call for Friday but I believe Citi is deliberately trying to take our home. We have not gotten letters they said were sent, they are not changing my phone number ( given to them 3 time now. ) in order to call us, I am getting different stories from different people working there, I ca n't access their site for updates to our modification because it is always down for maintenance. We ca n't loose our home! We got behind on payments due to my husband being laid off, home repairs, and severe illness. Please help us!!!!
Consumer complaint received 2022-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (CA)

During the pandemic I had fallen behind on my space rent with XXXX XXXX  XXXX XXXX XXXX XXXX. I was current on my mortgage with 21st Mortgage Co. Around XXXX of XXXX when trying to communicate with my park managers regarding payment, I learned that 21st had paid my past due rent on my behalf per a security agreement I made with XXXX  although at the time I had a pending application with XXXX XXXX XXXX  for rental assistance. Despite my efforts to speed up the process of my application and efforts in communicating this with 21st and XXXX, 21st had then refused to wait on the processing of my XXXX XXXX XXXX application and continued to pay on my behalf. 21st then refused to allow me to pay on my mortgage loan unless I paid in full payment what they paid to XXXX  on my behalf. Their action then caused me to fall in Default with my mortgage. Due to the action of both 21st and XXXX, XXXXXXXX XXXX XXXXXXXX did not pay the full amount I requested. Because 21st paid my past due rent, XXXX refused to say that I owe any past due rent which is why XXXX XXXX XXXX did not pay. I still owe {XXXX} of past due rent. Also because 21st refused to take my mortgage payments I now owe an additional {XXXX}. Totaling {XXXX}. On or around XX/XX/XXXX, my home was to be sold at private sale. I was told by 21st that I could reinstate my home by paying {XXXX}. I made a payment of {XXXX} via XXXX XXXX around XX/XX/XXXX, the payment was accepted but later returned. I refused to take the payment back so 21st again accepted the payment and again returned it. I still refused to cash the check they sent to me so they finally accepted the payment. 21st sold my home at private sale to themselves, leaving me with nothing to survive on. They are now trying to evict me from my home that Ive owned for over 20yrs. My home that I raised my XXXX XXXX  daughter in, my home that I am raising my XXXXXXXX XXXX daughter in, my home that I put over 20yrs of hard earned work for. If I lose my home not only will I have lost hundreds of thousands of hard earned money but both my XXXXXXXX XXXX daughter & I will be XXXXXXXX.