davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

On XX/XX/21 I sent a letter to LexisNexis challenging the validity of an alleged Bankruptcy showing on my consumer report. Two of the Credit Bureaus are claiming the item was verified with LexisNexis. Additionally, I went to the Courthouse, and they stated they did not verify this information with LexisNexis. As per my right outlined in the FCRA I requested whatever documents LexisNexis had to verify this alleged Bankruptcy to be sent to me immediately. When I received no response from LexisNexis I went to the Court and requested a letter confirming they did not verify the disputed item with LexisNexis or the Credit Bureaus. I received the letter from the Court dated XX/XX/21. I wrote LexisNexis again and attached a copy of the letter from the Court. At this point, today is XX/XX/21 and LexisNexis has failed to respond to my original letter dated XX/XX/21 or any of my subsequent communication dated XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. Since LexisNexis failed to reveal how they verified this item then it needs to be deleted per the FCRA. I've taken the appropriate steps to address this item and LexisNexis is ignoring my Consumer Rights as outlined in the FCRA.
Consumer complaint received 2021-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I was notified by XXXX XXXX on XX/XX/2021 that my credit score changed.When i checked, i found it had dropped 36 points from Transunion for no apparent reason and could find nothing indicating why and there were no changes in payments, credit use or derogatory remarks from anywhere or reasons for the drop.I contacted Transunion only to find they would not give me any information but offered to charge me to obtain a copy of my report either over the phone or from their website.I then found that i could get an annual report for free and requested one.I also have had on time payments for 44 months, no missed or late payments, only use 33 % of my total credit which should be less with my last payments, have not applied for any credit or have any accounts in collection and do not understand why the large drop when i have worked so hard to repair my credit.I went through a large drop last year due to fraud and proved it was fraud that dropped my score 86 points only to have it raised back up 24 points when i did nothing wrong which is not right or fair and this practice is not right and only hurts me for no reason and should not be allowed.
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have called Transunion advised of only job XXXX is what should be on my record as well as address XXXX XXXX  XXXX XXXX XXXX tx XXXX and number XXXX XXXX XXXX seems they are have a issue with complying to demands of my consumer rights once again with readded loan me as a job for me which is not and should not be on any record of mine ... once again im being violated by a CRA that is using there status to infringe me in ways they should not be able. They are causing me unnecessary stress.i have proof it was removed so no way in the world that it should of been reverted and put on my file or report. 



i want loan me removed effectively today. or i will be seeking further litigation to there violation of my rights and refusal to be compliant to my demands.
Consumer complaint received 2021-06-23
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. (NC)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2020-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bayview has sent me notices with 3 different addresses to send payment to and has not been posting my mortgage payments in a timely manner. I send my payment at the end of each month with tracking so I know when they are received. Bayview sends incorrect correspondence and statements and falsely claimed my loan was in default. Bayview changed the payment address twice then a month later changed servicer. I requested in writing that Bayview correct their mistake to show my account is current prior to transferring to the new servicer, Bayview did not reply or issue a correct invoice. I mailed a {$2900.00} payment overnight today including my XX/XX/2020 overnight XX/XX/2020 USPS tracking number # XXXX to Bayview and Bayview was notified via email so it should be posted prior to transferring loan to new servicer as current by XX/XX/2020 XXXX
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: National Credit Systems,Inc. (TN)

I officially moved out of XXXX XXXX apartments in XXXX, XXXX on XX/XX/2022. On XX/XX/2022 I received an email from them with my last invoice and that total was {$220.00}. They said, that I had 30 days to pay it in the email. On XX/XX/2022 I went to XXXX and made a cashiers check so I could drop off the remaining {$220.00}. I live right down XXXXhe street from XXXX XXXX so, I decided to drop off the cashiers check. They gave me my end of the stub and the {$220.00} was deducted from my account on this day. The manager told me I was good and the account was satisfied. I just checked my credit XXXX, XXXX  and I had an amount of {$220.00} sent to a collection agency from XXXX XXXX. This is blemishing my credit and is frustrating because I have a collection agency asking me to pay this amount again and having my credit impacted by this when I already paid the amount due. Thank you for your time and I hope you can help me.
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

In XX/XX/2019, I applied for and was approved for the HSBC Gold Mastercard. I was sent and received the card, but HSBC closed it in XX/XX/2019, because they stated they tried contacting me, to confirm I opened the account. I spoke with the fraud security team, because they were the ones who closed my account. They sent me an e-mail, asking me to reply back with a picture of my license, for verification to reopen my account. I e-mailed a picture of my license immediately. I called again and they said they were reopening my account and sending out a new credit card. I never received it. I consistently kept calling and getting the same response. " We sent a message to the onshore team, they are responsible for sending out another card ''. I even spoke with XXXX in the HSBC XXXX branch, in XX/XX/2019. She called HSBC offshore team herself and they said they mailed a new card to me back in XXXX. She called again and got an e-mail in mid XXXX. The Onshore team stated they are sending in the new card via XXXX XXXX. I never received it. I am now back to calling every day with fake promises of call backs from managers, or hearing " We sent a message to the onshore team, they are responsible for sending out another card and we haven't heard anything from the team ''. I call almost every day and get these responses.
Consumer complaint received 2021-11-30
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: EQUIFAX, INC. (GA)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2020-01-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

NUMEROUS TIMES I HAVE REACHED OUT TO 800 LOAN MART INFORMING THEM THAT THE ACCOUNT THEY HAVE UNDER MY INFORMATION IS FRAUDULENT AND NOT MINE. THEY HAVE ASKED FOR DOCUMENTATION ALONG WITH NOTARIZED PAPERWORK TO SHOW THAT THE ACCOUNT DOES NOT BELONG TO ME. I HAVE PAID OVER {$75.00} FOR A NOTARY FEE SO I CAN GIVE THEM ALL THE PROOF THAT THEY NEED TO CONFIRM THE ACCOUNT IS FRAUDULENT SO THEY CAN REMOVE THE ACCOUNT FROM MY CREDIT REPORT ONCE AND FOR ALL. I FEEL LIKE THEY HAVE SOLD MY INFORMATION OR THE COMPANY THEM SLEVES HAVE DONE SOMETHING UNDER MY INFORMATION. I HAVE NEVER ATTEMPTED TO WORK WOTH XXXX XXXX XXXX AND I HAVE NO IDEA WHERE THIS ACCOUNT IS COMING. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU
Consumer complaint received 2022-05-01
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

FOR THE PURPOSE OF VALIDATING AND VERIFYING THIS DEBT WE NEED FROM XXXX  THE FOLLOWING DOCUMMENTS : 1. ) THE LOAN MODIFICATION AGREEMENT PRODUCED IN XXXX OF XXXX BY XXXX. 
( THIS AGREEMENT WAS NEVER PRESENTED TO US FOR REVIEW OR SIGNATURE ) 2. ) THE LETTER OF TRANSFER OF THIS LOAN FROM BANK OF AMERICA TO XXXX. 
3. ) THE ACTIVITY OF THIS LOAN BETWEEN XXXX AND XXXX. 
PERIOD IN WHICH BANK OF AMERICA WAS THE SERVICER AND THE LOAN MODIFICATION WAS DELAYED INDEFINATELY. 
THANK YOU.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (MD)

I don't have a contract with a binding agreement with and this is inaccurately reporting to. Submitted more than XXXX days ago and they failed provide physical proof of this XXXX # XXXX XXXX XXXX # XXXX The following items where also on report and I did not give authorization for the following to pull or access credit and I have contacted the reporting agencies on this matter and nothing has been resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

I am applying for a loan and need to unfreeze my account at Experian. I have called 10-15 different numbers listed on XXXX as well as logging into my account on Experian. The Experian website is as close to no help as any website I have visited. Even when logged in there is nor readily identifiable way to go to the the section to unfreeze you account. They only hype unlocking you account, which is a fee based action, and do not show a way of getting to unfreezing. If you go to questions and answers they talk about the differences between unlocking and unfreezing, but there are no links to either. If you search on XXXX to unfreeze your account you can find an area within Experilan to accomplish the unfreezing. Unfortunately you need to know your pin number to accomplish it. They do have another part of their website where you can request your pin online. Unfortunately, after filling out their form it comes back and says we can't provide the number. You will have to provide 4 or 5 pieces of identity to them by mail to Texas. That obviously will not be timely to obtain a loan. 

At all of the numbers I called there was not one that offered the ability to talk with an individual to resolve an issue. I have had to do the same thing with XXXX XXXX and XXXX  and both of those companies have access to persons by phone to resolve problems and in fact in both cases individuals were able to resolve issues and unfreeze my credit reporting. 

The level of assistance Experian provides, together with the power they have over financial transactions, is completely inadequate and they should be held accountable for their lack of service. I believe that they should either be forced out of business or required to provide meaningful service to their " customers. ''
Consumer complaint received 2023-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC (TN)

This complaint is against a debt collector who refuses to validate this debt that they are claiming I owe. This debt is more than ten years old. It has been filed in a state which I am not a resident. Currently they are garnishing my pay and making it impossible to pay my bills. I have called the original creditor several times and they themselves have stated I have never had an account with them. I dont know what else to do to stop them from taking money I do not owe. They have filed a motion to garnish over {$1700.00} on a debt I do not owe.
Consumer complaint received 2020-01-27
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 — Investigation took more than 30 days
Company: LEXISNEXIS (OH)

I have been requesting validation and verification from Lexis Nexis in regards to Bankruptcy # XXXX that is being reported to all three major credit bureaus such as XXXX XXXX XXXX  as well as other agencies. I have been trying to obtain this information from Lexis Nexis for several years now and they keep coming back telling me the information has been verified but they are refusing to inform me of the sources they used to verify such information. On XX/XX/XXXX, I requested that Lexis Nexis send me copies of the documents that they have on file that was used to verify the accuracy of said bankruptcy # XXXX. They responded by sending me a copy of " lexis Nexis credit report '' saying verified. I spoke with someone in XXXX of XXXX and I was advised that the bankruptcy was verified through the bankruptcy court. On XX/XX/XXXX, I reached out to the XXXX  system to find out their procedures of validating bankruptcies to credit bureaus and was advised they don't do that. On XX/XX/XXXX, I received a letter from the US bankruptcy court stating they do not report any information to the credit reporting agencies. On XX/XX/XXXX, I reached out to Lexis Nexis yet again in writing concerned about the validity and accuracy of their reporting such information on my credit report. Lexis Nexis responds in writing telling me they submitted my dispute to the XXXX credit bureaus. That is not what I requested from them. Lexis Nexis is in violation of section 609 and 611 due  to not conducting a proper investigation and not correcting inaccurate information. On XX/XX/XXXX I called Lexis Nexis to check on the status of my request and I was told my request was submitted incorrectly and I would be hearing back from them soon. Later that day, XXXX to be exact, Supervisor XXXX Id # XXXX called me and told me that this bankruptcy was verified by the court. She could not provide me any other information. I explained to her that this company is violating the law and because of this they have no right to report such information on me. I also advised if they couldn't provide me with the requested information then they need to remove this reporting within XXXX hours. XXXX was supposed to follow up with me on XX/XX/XXXX, and I have not heard back from her. Lexis Nexis has proven their inability to furnish legal verification but yet still continues to tarnish my character. I demand that they removed this negatived listing from ALL CREDIT REPORTING AGENCIES IMMEDIATELY!
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

According with the fair credit reporting at the list of accounts below have validated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX account number XXXX Account name : XXXX XXXX XXXX account number XXXX Account name : XXXX XXXX account number XXXX account name : XXXX XXXXXXXX XXXX XXXX account number XXXX account name : account number XXXX account name : XXXX XXXX XXXX account number XXXX account name : XXXX  XXXX account number XXXX account name : XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX Account names. 

Has violated my rights.15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish it account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records, or convictions of crimes, which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ). A person should not furnish any information related to a consumer to any consumer reporting agency is the Personal knows or has reasonable calls to believe that the information is in accurate.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I don't have a contract with a binding agreement with and this is inaccurately reporting to. Submitted more than XXXX days ago and they failed provide physical proof of this XXXX XXXX XXXXXXXX Fair Collections # XXXX The following items where also on report and I did not give authorization for the following to pull or access credit and I have contacted the reporting agencies on this matter and nothing has been resolved. 

XXXX XXXX XXXX XXXX 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 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Experian has been reporting on their credit monitor service that the disputes that were placed are resolved ; however, despite that Experian is reporting to the Consumer Financial Protection Bureau that the Experian response is in the progress of resolution of the disputes which is another inaccuracy and contradiction. In addition, I was told by an Experian representative that Experian did not investigate my disputes instead Experian used artificial intelligence software to resolve my disputes in XXXX to XXXX days without an actual investigation. I am writing this as evidence for any forthcoming future litigation with Experian. Please see the attachments.
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (OR)

I have previously disputed Name : Bankruptcy -U.S. Bankruptcy, Court starting on XX/XX/. 

The companies responded that they verified the item as accurate, stating they verified the information with the courts/ third party. 

I contacted the Court Clerks Office and their response was they do not do reporting with any of the credit bureau 's or outside agencies. She stated that the credit bureau 's collect court reports on their own. 

I was guided to the courts website to verify that the information XXXX gave me is listed on their website for consumer rights and protections. 
Therefore, the initial responses verifying the item/s with the courts /third- party was either an error or a misunderstanding.

Either way, the reporting requirements do not comply with FRCA 611 ( 15 U.S. C. 1681I ). and the information must be removed immediately. 

Thank you,
Consumer complaint received 2021-06-23
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: CITIBANK, N.A. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-23
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: Bread Financial Holdings, Inc. (TX)

I sent a letter to Comenity Bank for an unauthorized inquiry to my consumer report ; demand {$1000.00} settlement. XX/XX/XXXX it was delivered to Comenity Bank and sent to my address XX/XX/XXXX.
Consumer complaint received 2021-06-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CarMax, Inc. (CA)

I am a federally protected consumer and the original creditor. I am not obligated to Carmax auto finance alleged debt. The Federal law states that any person sending you a " bill '' is in violation to your consumer rights. Carmax auto finance is in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. Carmax continues to collect on this alleged debt and has been negatively reporting on my consumer credit report. I did not give carmax auto finance DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ).
Consumer complaint received 2022-05-01
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. (PA)

i want these accounts removed not mine account name : XXXX Account XXXX balance : {$560.00} i want these accounts removed not mine account name XXXX XXXXr account XXXX balance : {$900.00}