davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Byrider Franchising, LLC (FL)

I have disputed inaccurate information on my credit report through XXXX multiple times. XXXX responds stating the information is accurate and will remain on my credit report. I am a victim of debt re aging. The creditor in question is JD Byrider from XXXX Illinois located on XXXX XXXX. Jd Byrider claims I made three on time payments to be able to keep the debt on my consumer report past the 7 year time limit. The debt was last paid XX/XX/2012. The vehicle was repossessed from the cosigner without my knowledge of any missed or late payments and sold at auction without me resolving the issue. I am disputing the three on time payments, as they claim to XXXX  I made. Experian claims that was debt re aging and refuse to remove the inaccurate information negative on my report. So this negative account has been reported now 8 years and 9 months.
Consumer complaint received 2022-04-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

My letter dated XXXX which was mailed to Equifax on XXXX. That letter was mailed to Equifax by XXXX MAIL XXXX XXXX XXXX XXXX XXXX. The letter was received by XXXX XXXX on XXXX. However, there is no record of my letter and new relevant documents in their XXXX System.
Consumer complaint received 2020-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (PA)

My unemployment ReliaCard through US Bank has been locked since XX/XX/2020. I am unable to access my account or use my debit card because it is locked. I have called ReliaCard dozens of times within numerous internal departments and with several supervisors in each department. I am repetitively told over and over that there is nothing theycan do to unlock and they have escalated my issue dozens of times. I am about to lose my car and my car insurance already lapsed. I have called the state unemployments office and they said they have no locks on my account. I have called the department of treasury and they have no lock on my account. I have called US Bank and they also do not have a lock on my account. My account was said to have been locked because I spent more than my daily limit was allowed? They needed to verify my identity. I sent them copies of my birth certificate and government issued driver 's license. I still have no answers or can access my account. I am losing everything and the issue is still very unclear to why and how come the lock hasn't been lifted.
Consumer complaint received 2021-04-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nicholas Financial Inc. (KY)

I contacted Nicholas financial at XXXX to advise them I was not responsible for this debt. They are trying to make me pay for a car that I bought from XXXX XXXX in XXXX Kentucky in XXXX and had to return in XXXX due to financial difficulties, for less. They claimed to have sold the car and that I still owe roughly {$6000.00} for it, when originally I bought it for {$4000.00} plus tax and interest ( this is an estimate ). They never reported any payments to the credit bureau, however they have placed this erroneous debt on my credit report. I have called and have been told I can pay {$4000.00} but I did not owe that much when I asked them to pick up the vehicle because I lost my job. Ive been hung up on because I told them Id be reaching out to the XXXX ( who instructed me to reach out to the FTC. Please help me get this removed off my credit report.
Consumer complaint received 2019-08-12
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. (FL)

I have incorrect information on my credit file as a result of identity theft:XXXX XXXX XXXX - OPENED XXXX 2019 - $XXXX
Consumer complaint received 2024-05-13
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: Westlake Services, LLC (PA)

I have reached out on many occasions to rememdy the damages done by westlake to my credit reports after weeks of getting bounced from dept to dept for the credit dispute team. I finally got in contact with a representative that said the disputes team does not take calls. Even though on theyre main menu it asks if you would like connected to a dispute team service representative due to litigation and arbitration with the dealership and the finance company ( westlake ) the representative on a recorded line said payment would be deferred until a agreement was reached between the deslership and westlake on how to resolve this consumer rights issue of a XXXX XXXX vehicle. So westlake continued reporting and marked me as 30 days late, and then made current and again 60 days late and then followed by current to a 90 days late then finally marked it as a charge off which all together destroyed my credit XXXX points and then fully removed it from my report because the dealership took control of the loan which I never got any of them points back for theyre false reporting and tactics on how they illegally did it when I havent made a payment since XXXXXXXX XXXX XXXX and they had me marked current multiple times when no payment was made then late again which should of never happened with the deferment agreement. So westlake had destroyed my credit beyond repair at this time that I cant even get a small loan from even the worst lenders when I was at a XXXX when they did this which also canceled out my underwriting for my mortgage loan to buy my home due to late payments and my ability to get another vehicle leaving me and my family trapped renting costing more money and without a vehicle to commute to work for some time I have contacted XXXX and XXXX XXXX to be told they can not remedy it due to it not showing on my report anymore that I had to contact the finance company to correct it which they have been most neglectful in even trying to fix my report or even hear me out. Transferred many times to be hung up on Ive asked to speak to supervisors and been hung up on or told that is impossible to speak to a higher up the chain. So westlake had ruined not only my credit and my ability to gain any kind of loan or funding but me and my familys life by doing falsely reporting payments. With that said I believe westlake owes me and my family punative damages and compensation for theyre negligence to helping resolve the issue and the false reporting of missed and made payments to the credit bureaus.
Consumer complaint received 2022-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management (PA)

ATTENTION DISPUTE DEPARTMENT AMERIFINANCIAL SOLUTIONS Reported : XX/XX/XXXX. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company in federal court if need be. I am also aware that your company will be liable for actual damages and court fees. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-11
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: TD BANK US HOLDING COMPANY (KY)

I paid off the account in full in XX/XX/2021 and on XXXX  and XXXX  still showing a balance of {$1600.00}. Should be a XXXX  balance paid in full in early XX/XX/2021. I disputed this multiple times and it was never corrected.. 

Please update the account to the credit reporting agencies as paid in full.
Consumer complaint received 2021-05-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (RI)

On XX/XX/XXXX I received a text message from my mother : " Keep getting phone calls from Victoria Secret for you. '' I do not share a phone number or address with my mother and I have not in over 10 years. She told me that on several occasions they attempted to discuss my account balance with her and she told them to stop calling her. 

On XX/XX/XXXX the credit card company, Comenity Bank charged my personal checking account with a charge reporting that I authorized the charge over the phone. I have never spoken with the company over the phone. I did not authorize any charges. I messaged them over their online messaging system about it.
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ZIONS BANCORPORATION (CO)

I have applied for a refi of an existing mortgage with a conventional loan on XX/XX/2019 with Vectra bank and it has been 90 days, I have received no loan status for the last 30 days. Vectra Bank has ignored my emails. The lending personnel I started with Sonary Im is no longer working on the loan. Her boss XXXX XXXX took over a month ago and he has not responded to my loan status inquiry. Every day I wait, I am losing $ XXXX/week for interests that I could have saved. I paid my appraisal fee {$780.00} in full 3 months ago and now I received no loan status. Forget about how Vectra bank do business in Colorado ( they shouldn't if that is how they treat their customers ), there got to be some regulations on the bank as to how much time they have to provide loan status -approve or not approve than leaving consumers hanging like me.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Certegy Holdings, LLC (FL)

During the week of XX/XX/2019 I wrote a business check on XXXX XXXX to XXXX 's and it was declined by Certegy without a specific reason. My bank even wrote a letter to guaranty the payment of the check and it was still declined. Do not understand the reason for not accepting my check since my business has operated successfully for many years in the area and funds in the account were more than sufficient to cover the check. The bank is a relatively new bank in the community and they were unsuccessful in getting any information about why my check was declined. I have been unsuccessful in getting any information from XXXX concerning why my check was declined. XXXX 's was not helpful in the matter and said the decision was made by Certegy and they are required to follow their decision.
Consumer complaint received 2020-11-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (MA)

Dear Sir or Madam, In 2006 me and my wife purchased a condo located at XXXX XXXX XXXX, XXXX XXXX About 10 years later we moved out and have since rented the property out as the real estate market in that area is not great and we would like to hold off on selling. Since that that time the mortgage has been refinanced and serviced by various lenders. We have never been late or missed a payment. We have tried for the past 5 or so years to eliminate private mortgage insurance but each time the lender at the time provides some reason why the mortgage insurance can not be cancelled. I realized recently that our LTV was well below the 78 % needed to qualify for automation PMI termination that you mentioned or your website. 
A few weeks ago I called the servicer ( Mr. Cooper ) and explained this to them and they said they would look into it. I never heard anything back. I wrote them a letter last week and they responded that at this time can not cancel it because their investors require per the attached letter. From my research I was under the impression that the 78 % LTV was the rule as far as PMI termination was concerned. Now the lender is stating it is lower and I'm pretty sure that in a few years they will again lower the threshold again. Could someone please help me understand why my PMI is not being cancelled or contact the lender to find out why. I've been paying PMI now for 15 years and it doesn't seem right. Im already paying an interest rate above the market to begin with. I appreciate your timely help with this matter XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2019-08-12
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: Experian Information Solutions Inc. (OH)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX, XXXX/XXXX and XXXX XXXX
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (MS)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (MI)

Debt was paid in full on XX/XX/2020. We were told XXXX would update our credit report within 30 days. They are still reporting a balance to this day on all 3 credit burueas for {$54.00}. They recently mailed me a letter requesting me to settle the debt of {$54.00} and pay {$27.00}. This account was paid in full!!!!
Consumer complaint received 2019-08-12
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: MONEY SOURCE, INC., THE (FL)

I am receiving mortgage collection calls from The Money Store and it's debt collection companies for an employee of my company. After I had received several calls and messages, I contacted them in XXXX and again on XX/XX/XXXX. I requested the removal of my business line from the employee 's personal mortgage account and from the company 's general records. I also contacted the employee to request that he call the vendor to remove my business phone number which has never belonged to him. He assured me that he would. 

I contacted the employee again on XX/XX/XXXX and advised that they were still calling. He has " contacted any attorney ''. 

I received another phone call this morning, XX/XX/XXXX, without a message ; just some background noise. I called back and spoke with XXXX at XXXX. She stated that she would add this phone number to their internal Do Not Call List. 

The Money Store must stop calling my business line for debt collection that has never belonged to me at a phone number that has never belonged to a debtor.
Consumer complaint received 2020-11-21
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)

I filed a FTC identity theft report to be sent to XXXX, XXXX, Experian, I have tried to resolve this with the companies and the credit reporting agencies but they have failed to help me, so Im filing this to have these inquiries that was placed on my credit report as fraud, I want these inquiries taking off my reports, I have included in the FTC Identity theft report all the inquiries that are on my reports, I want these removed, I am unemployed I can not buy a car, I am disputing these inquiries as fraud, but do not add any fraud alert on my credit reports with out my express permission, I am sending a copy of this FTC indentity theft report to all three credit bureaus so they can have and keep this FTC identity theft report if any more show up I was alerted this morning from credit monitoring products from all three credit bureaus that these inquiries have been placed on my credit reports please remove.
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (DC)

Per Experian Team Website, In credit reporting industry terms, charged off and written off are considered final status indicators for the account, meaning the account is longer an active entry in the credit report.

For Written off or Charge-offs, are considered certificates of indebtedness, also INCOME which can not be reported on credit report. This item needs to be removed.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-02
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. (AR)

I am a victim of Identity theft. You should blocked the information in the file that I've mentioned. I am submitting the copy of my ID and Identity theft report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2019-08-12
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. (OH)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX and ( Original Creditor : ) XXXX