davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: FORD MOTOR CREDIT CO. (CA)

I am reaching out to you regarding an incident which occurred at our residence on XX/XX/XXXX with Ford Motor Company who hired their enforcers to repossess our vehicle. Ford Motor Companys contractors refused to wear a mask & ignoring our repeated pleads not to come close to us during a pandemic. 

Not only did the Ford Motor Companys enforcers ignore our request to either wear a mask and or stay at safe distance from us. One of the enforcers who was a self proclaimed XXXX, repeatedly XXXX  our friend who recently recovered from a XXXX XXXX. 

We have repeatedly attempted to purchase the wrongfully repossessed vehicle since XX/XX/XXXX. We have made numerous calls directly to Ford Motor Company and many attempts chasing down the dealership having to visit the dealership 3 times, in order to complete the purchase of the vehicle. 

I have enclosed video which shows based upon Ford Motor Companys own billing statements we were current and acknowledged our most recent payment on XX/XX/XXXX. 

Please see the enclosed link to the video XXXX XXXX XXXX
Consumer complaint received 2020-07-27
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. (TX)

In XXXX, XXXX, and again at the beginning of XXXX I submitted paperwork directly to the bureau not only from the court, but also from XXXX XXXX, and XXXX  .... all showing that the bankruptcy listed on my credit report should be removed. Each time submitted i have received a " canned '' response from the bureau without one once of proof of this public record being filed by me, with any signature, with any paperwork, with any address ... no proof. This has been requested on multiple occasions although i have provided proof myself that the bk are not mine. Ive wrote, faxed, and called with no error being fixed. 
I know the response is canned and standard that i receive due to the bureaus saying it was verified to THEIR company citing the exact places that ive sent them directly. Its insane.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

I reached out to my bank in an effort to provide my family with a home to live in. I thought I would request the bank to lend me the amount of XXXX. The monthly payment would be less than the payday loan they were providing me with until I closed the account because it had a negative effect on my credit report according to a reporting agency it was showing not on time. The North Carolina State Employees Credit Union and the members board turned me down. How can you approve a loan that would average out the same amount if I would have continued to borrow payday loans for a full year. The payday loan does not have any resale value if I decided to default on the loan as a home would. 

Thanks, XXXX XXXX
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX XXXX, Back in XXXX of 2021 I requested that all XXXX bureaus Validate and Verify a Bankruptcy that was showing on my credit reports, they verified it as accurate and that the information was supplied by the courts. Well I reached out to the courts and the courts denied that fact that they supply anything to any 3rd party such as credit bureaus, so I ask ... ..how did the Bureaus validate this Fraudulent Bankruptcy? I demand that it is removed immediately because it inaccurate and unverifiable and the bureaus lied about them verifying the information with the courts.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NY)

I received a consumer file report from LexisNexis Concumer Center and the information listed under Section # 9 - Automobile Insureance Claims Records is  incorrect as it is listing XXXX XXXX XXXX as the Vehicle Operator on Records # 1 and # 3. The Vehicle Operator should not reflect XXXX XXXX as this was a Comprehensive clain for a total loss due to Electrical failure within the vehicle on Record # 1 with DOC on XX/XX/2019. The Vehicle Operator should reflect XXXX XXXX on Record # 3 with DOC on XX/XX/2019
Consumer complaint received 2024-03-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: AMERICAN EXPRESS COMPANY (KS)

Ive had American Express working capital since XXXX. I have borrowed millions of dollars with their products. One department doesnt know what the other department is doing and offers specials and sells incentives to, what I assume is to meet their own quotes which affects other products that I use. American Express working capital will arbitrarily cut your credit line to XXXX. I actually use credit line in my business which the product works great when they dont cut it off. Its hard for a small business to work when its so erratic. I also had XXXX  which American Express purchased. Took my XXXX and {$50000.00} credit line that Ive used for XXXX or XXXX years down to XXXX. Between the two products they reduced my credit line from {$300000.00} to XXXX. When I call them they dont tell me anything specific, so I can correct whatever their algorithm is reading. Its unfair. I have borrowed millions of dollars which American Express has made tens of thousands of dollars off of me but they give me no answers. A lot of times theyre rude and Im fed up. Since I use credit, my credit score can go from XXXX to XXXX and back down to XXXX which obviously kicks in their algorithm but theyre all great credit scores. Never been late.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX, XXXX XXXX and XXXX are reporting my Bank of American mortgage to be current, but showing a negative amount. The mortgage was in forbearance during pandemic. The lender, Bank of America offered to place the amount due at the end of the loan. This negative balance is negatively effecting my credit score, and preventing me from securing a new mortgage. I argue that Bank of America is in violation of the XXXX Mortgage XXXX XXXX while not not allow lenders to adversely report mortgages as negative while in forbearance.
Consumer complaint received 2018-05-02
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. (IL)

I have communicated with XXXX XXXX XXXX  and XXXX & Equifax about correcting the late payments in association with ALL 12 XXXX XXXX XXXX accounts ( associated account # s : XXXX ) as they were never late, further more the dates of the payment history being reported is incorrect and therefore it either must be updated or removed according to FCRA 611 ( 15 U.S.C. 1681I ) ( see attached ).

Accurate account reporting can not simply go from current or paying/paid as agreed one month and then 90 days/120 days late derogatory status the very next month, unless the reported payment history is inaccurate to begin with. I have also attached a student loan document showing the dates of all forbearances which was given to me directly from the data furnisher ( XXXX XXXX XXXX ) which subsequently requires no payment and therefore further supports my stance of the 12 XXXX XXXX XXXX accounts  never being late and the payment history being wrong. There are 4 late payments showing incorrectly. 

Are these companies above the law in which has been stated and expressed in the FCRA? I want these issues remedied now or I will be pursuing legal action against all parties involved as a part of exercising my consumer rights in an attempt to be compensated for the damages that have been caused by the reporting of incorrect information in my credit files.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. ()

COLLECTION AGENCIES POSING AS MORTGAGE SERVICING COMPANIES XXXX XXXX XXXX, Community servicing, XXXX, XXXX THESE ARE NOT BANKS AND ALL OF THESE ENTITIES ARE MISREPRESENTING THEMSELVES THESE COMPANIES HAVE LAWSUITS SPS IS FALSELY CLAIMING THE COMPANIES PAID INSURANCE AND PROPERTY TAX THAT HAS NOT BEEN PAID LATE PAYMENTS ILLEGAL FORECLOSURE! Attached are public records of lawsuits! Please explain your lawsuits and payouts! These companies are not banks these companies are charged with mortgage abuse! PLEASE CONFIRM AND EXPLAIN THIS ABUSE! Lawsuits! Payouts! Public records on the internet just XXXX all of these companies to see report of LAWSUITS AGAINST FRAUD AND MORTGAGES ABUSE! Just XXXX IT SPS, XXXX, XXXX, XXXX and all affiliations! XXXX it!
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

From XX/XX/XXXX until present XX/XX/XXXX. I have asked all three credit bureaus ( XXXX, XXXX, and TransUnion ) to remove all old addresses, and phone numbers. They continue to report mixed information. My current, and the only address that should be reported is XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. I have obtained letters from the court explaining that they do not provide information to the credit bureaus. I have opted out of XXXX XXXX and asked for a security freeze. I have a bankruptcy dated XX/XX/XXXX ID # XXXX USBK Court XXXX Michigan and disputed the bankruptcy several times, but they continue to report it. I would like the Consumer Financial Protection Agency to take the necessary steps to correct this unlawful act. Please investigate within the required time frame.
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc. (OH)

My mortgage was sold from prior servicer to XXXX XXXX  effective XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from XXXX XXXX that they were preparing my upcoming tax payments and that I did not need to forward my regular tax bill. They indicated I would be notified once the taxes were paid. 

I received an email on XX/XX/XXXX from XXXX XXXX  notifying me that my mortgage was sold to XXXX XXXX effective XX/XX/XXXX ; however, the subject line of this email indicated that my mortgage was sold to XXXX XXXX XXXX XXXX. 

I received letter from my home insurance company dated XX/XX/XXXX that my renewal payment, which was supposed to be made XX/XX/XXXX, was never made by Valon. 

On the same date, I received a bill in mail from my county treasurer 's office indicating that my property taxes, which Valon indicated they were in processing of paying 4 months prior, were not paid.
Consumer complaint received 2022-10-29
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-02-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I was taken advantage of due to XXXX and several laws have been broken by your company. which has caused XXXX of character and has severely impacted my ability to obtain credit.
Consumer complaint received 2020-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (CT)

Professional Account Managment LLC has been send us letters " DEMAND FOR PAYMENT ''. After the first from the XXXX XXXX XXXX XXXX asking for {$260.00} dallors for tolls their employees told us to " just drive through '' because we didn't have or even no we need a XXXX XXXX XXXX XXXX At the time we asked if we could pay with Check or Card and were told no, we were not told there would be a {$50.00} fee on top of each toll. We called and the XXXX XXXX XXXX XXXX  Representative told us to pay the toll amount and they would wave the fees seeing how it was our first time, we did. Then we received more notices and when we called they told us to sign up for the XXXX XXXX XXXX XXXX program even though we dont live in New Jersey along with an dispute letter and they would wave the fees, we did. Then we started getting letters from Professional Account Managment LLC claiming they represent the XXXX XXXX XXXX XXXX   and that they were attempting to collect a debt. We called and explained what was listed above and were told they would look into it, they clearly did not. The times they attempted to contact us by mail and all three times we responded by mail asking for them to for the information they are required by law to provide and all three times they ignored our requests. On XX/XX/XXXX they again tried to collect on the debt we feel we do not owe, on XX/XX/XXXX we again asked for for the information they are required by law to provide, told them not to stop contacting us until after they provided us with all the requested information and reminded them by continuing to attempt to collect without first providing written verification they were in violation of the Fair Debt Collection Practices Act. Their response was a single piece of paper on XX/XX/XXXX in response to my letter say please review attached documents, their were none. Now it's on XX/XX/XXXX we receive another letter dated XX/XX/XXXX " DEMAND FOR PAYMENT '' say to pay the total due immediately.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Equifax has not updated my credit score in 5 months it still shows the same score as the last time I complained. I have paid on Time. There is civil/ constitutional rights violations going on at the government level. My score needs to be properly updated or I need civil action taken against all three credit bureaus and the government entity and its employees who are committing this crime to be prosecuted! I have the right to access my correct credit score and have the right to seek credit without being turned away due to malicious credit reporting. Im past fed up.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WI)

A few weeks ago I was able to make disputes online with Equifax, the following day when I wanted to see updates I was unable to log in, it kept saying my information doesn't match what they have on file. I called Equifax several times, only to be transferred over and over again.Finally, I asked to speak to a supervisor and explained my situation, she informed me that they were never trained for the online dispute center and they do not know who I can contact to fix the issue. I asked them when there is technical issues who fixes it? she told me she does not know, she kept telling me I was on the wrong website, which I explained over and over that I am very familiar with this site and how it works and I read the web page I was using back to her. It was correct! She gave my my ID number to see if that would work, and it did not, it still says my info does not match. 
I am working so hard on fixing my credit, and have nothing but issues with Equifax. When I dispute items on my report things never get changed, unlike when I dispute with XXXX or XXXX, overall this agency determines my future and if they are so difficult and not user friendly how am I am able to change what they have on my credit report. I have asked for a copy and of my report and currently I am still waiting.
Consumer complaint received 2022-02-17
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: 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/2022. And now we are in the month of XX/XX/2022 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 THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-02-17
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. (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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

I mailed a letter to Experian on XX/XX/XXXX following up said " investigation '' on XX/XX/2021 report XXXX explaining how they broke the law regarding the furnishing of information regarding an alleged bankruptcy and deletion and I still have not heard back from them.
Consumer complaint received 2022-02-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was taken advantage of due to malpractice while several laws have been broken under the FCRA by your company. This has caused me financial injury as well as defamation of character and I haven't been able to rightfully obtain credit.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2017 XXXX XXXX with whom me and my husband had a joint loan for XXXX XXXX XXXX paid the pain in the mail, the check wasnt received. We found out next month the payment hadnt been received, made a double payment. XXXX removed the late charge and said they would remove the 30 day late on our credit report but since have not done so. My husband and I have called them and sent many letters. We feel XXXX is acting unreasonable in the situation since we had great payments before and after that event. Always paying online now. We also opened a new loan with them in XXXX. The mark of 30 days late on our credit is very damaging and need some help. 

Thank you
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX, {$23000.00} XXXX  XXXX XXXX {$260.00} XXXXXXXX XXXX XXXX, XXXX, {$160.00} XXXX XXXX XXXX {$110.00} XXXX  XXXX, {$100.00} XXXX XXXX XXXX, {$410.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX, {$130.00} XXXX  XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-27
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: EQUIFAX, INC. (NJ)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.