davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with CREDITACPT. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.
Consumer complaint received 2019-03-04
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. (OK)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX A XXXX {$450.00} XX/XX/2016
Consumer complaint received 2018-03-26
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. (TN)

I was informed by my credit union while attempting to make a personal loan around XX/XX/2017 that Equifax was reporting that several accounts were under investigation when my credit report was pulled for the loan I was attempting to get. I called Equifax that same day and notified them that I had not requested these investigations. Equifax stated the items that was under investigation would be removed at the end of the 30 day period. On today my credit was pulled by a mortgage company, they told me I had a high number of items that were current under investigation and that I could not get a loan while the items were under investigation. It's been almost 5 months since I contacted Equifax about this problem and it has not been corrected yet. It is interfering with purchasing a home for my family and needs to corrected as soon as possible. Thanks
Consumer complaint received 2018-03-26
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)

XXXX XXXX XXXX sent me multiple letters on XX/XX/XXXX stating my account was closed and they would be deleting all the information regarding there company off of my credit report. As of XX/XX/XXXX there are still XXXX XXXX XXXX accounts on my credit report with TransUnion and XXXX.
Consumer complaint received 2021-09-08
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. (SC)

I'VE MADE SEVERAL DISPUTES WITH ALL CREDIT BUREAUS AND I'VE SUBMITTED MY POLICE REPORT DUE TO IDENTITY THEFT. AND FOR SOME REASON THE ITEMS ARE STILL ON MY CREDIT REPORT. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I ALSO HAD FRAUDRULENT INQUIRIES ON MY TRANSUNION REPORT AND XXXX THAT HASN'T BEEN REMOVED. TRANSUNION ALSO HAS NAMES THATS NOT ASSOCIATED WITH ME XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2021-09-08
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: EQUIFAX, INC. (CO)

This is now my FOURTH attempt to get this rectified! I have 4 Unverifiable/unknown collections reporting on my credit report. I have send THREE requests to Equifax to verify and or remove these collection accounts that have no creditor/collection company name on it. This is a complete violation of federal law and 9 months later I am still trying to get these removed.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

To whom it may concern, XXXX/XXXX  says i have a late fee on my account i have called up the company and they said there is and will be no late fee 's on my account. That would be removed from all credit agencies but never was.
Consumer complaint received 2022-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (FL)

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX XXXX 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. 
The reference items are listed below please take this matter very serious LOCKHART, MORRIS & MONT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-05-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

on XX/XX/XXXX I recived a inquiry on my credit from Bank of America. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recived a inquiry on my credit from XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recieved a inquiry on my credit from XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail.
Consumer complaint received 2018-03-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TX)

Southwest Credit in XXXX Texas has my XXXX account. They are saying I owe XXXX for unreturned equipment and past due bills. The billing dates they have are incorrect. My service was already disconnected and XXXX is trying to charge me for months of service due to them billing months in advance. They are also billing me for unreturned equipment in which I returned ALL my equipment to their rep who came to my home. I even signed my name on his phone and he was picking up all the equipment. The date of service on the bill Southwest sent is XX/XX/XXXX-XX/XX/XXXX but I had XXXX XXXX at the end of XX/XX/XXXX. It is under my husbands name XXXX XXXX for our same address XXXX XXXX XXXX XXXX, XXXX TX XXXX. Call XXXX and verify please. I sent a long detailed debt validation letter to Southwest credit on XX/XX/XXXX and only received one thing out of 18 things I asked them to verify. They sent me a billing statement from XXXX  with the incorrect payment amount. I have called Southwest many times and they are extremely rude and will not even try to listen to me. I need this to be looked into and researched asap. I do not want this to hit my credit in any way. especially with wrong information.
Consumer complaint received 2022-09-08
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: LEXISNEXIS (FL)

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX
Consumer complaint received 2021-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OR)

XXXX   website showed payment successful, did not let us fix typo, then 7 days later charged erroneous {$25.00} fee. Loan Care refuses to communicate. 

On XX/XX/2021, we used the loancare.com website to pay my mortgage payment of XXXX due XX/XX/2021. We made and immediately recognized a typographical error in the bank account number for the ACH transfer. Loan Care 's low-quality, XXXX  website did not give me the option to correct the typographical error in the account number. My co-borrower and I tried twice to contact Loan Care to fix the account number, but Loan Care refuses to respond to our attempts to contact them. 

Up until today, XX/XX/2021, the loancare.com website showed in the payment history that the XX/XX/2021 payment had been made successfully. It showed " XX/XX/2021 '' for the next payment due, and would not allow us to make the XX/XX/2021 payment again with the right bank account number. 

Today, the payment history on the loancare.com website changed and showed " BadCheckReversal, '' but did allow us to make the payment for XXXX again with the right bank account number. To our surprise, when we went to pay the {$3400.00} payment for XXXX today, the website forced an additional {$25.00} " NSF '' fee on us without our consent, and forced us to pay {$3400.00} instead of the {$3400.00} we owe. Loan Care has not responded to our attempts to contact them. 

This {$25.00} NSF fee is not right. We did not agree to it. We want it reversed. We also want Loan Care to reply within a reasonable time ( i.e, within 1 business day ) when we contact them. Could the CFPB please help? Thanks! XXXX XXXX and XXXX XXXX
Consumer complaint received 2018-03-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (NY)

On or about XX/XX/XXXX, I received a letter from a collection agency regarding an alleged debt that I owe to XXXX XXXX XXXX   XXXX, the creditor. I have repeatedly requested by phone that they provide me an itemized bill for the services rendered, and each time I spoke with them, they agreed to send it to me, but up to date, I have not received anything. The latest letter I received dated XX/XX/XXXX, they are threatening to report the unpaid balance to one or more of the national credit bureaus, even though I still have not received the itemized bill. I have spoken to one of their reps that go by the name " XXXX  '' who coerced me into admitting that I owe some of the debt, and then insisted that I pay what I believe I owe, even though I told him over the phone that I am disputing the amount they are seeking. I also had my insurance company call the doctor 's office requesting the itemized bill, and they refused to give it to us, and then proceeded to hang up the phone on the insurance representative. I am now forced to have to pay a bill that I am disputing because I do not want it to damage my credit.
Consumer complaint received 2018-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lotane & Associates, P.A. (FL)

I have received multiple letters and phone calls from Lotane and Associates PA XXXX FL in attempts to collect a debt I settled in XX/XX/2015 for {$1000.00}. I've left messages several times with the office to no avail. I receive a notice every few months, more frequently at times,  offering to settle the account. I've got a statement from the firm that the account was paid in full and a copy of my receipt of payment.
Consumer complaint received 2019-10-21
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 — Investigation took more than 30 days
Company: ERC (NV)

Ive been trying to get this loan off my report for years ... ... i have never even had a driver license in XXXX or id ... .so how can i lease a car. This company is completely fraud!!!!! Pls all them to show proof ... I'm not accepting the facts!!!
Consumer complaint received 2018-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have worked as a XXXX XXXX sinceXX/XX/XXXX to present. I worked for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX toXX/XX/XXXX and for the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXXto present. I certified both employers with the PSLF program. I have been making payments on my loans since XX/XX/XXXX without interruptions, deferrals, forbearances, or late/incorrect payments. On XX/XX/XXXX, I received a payment-tracking letter stating that I had made 40 qualifying payments from XX/XX/XXXX to XX/XX/XXXX. This is incorrect. I have made 51 qualifying payments from XX/XX/XXXX to XX/XX/XXXX ( 4 years and 3 months = 51 months ). I made numerous calls to inquire about the 11 missing payments and onXX/XX/XXXX, and XXXX XXXX XXXX  requested an audit to correct the payment tracker. It is now more than 10 months since the audit was requested and I have not yet received the results of the audit.

Although the payment tracker is missing 11 payments, a XXXX XXXX XXXX  agent ( Employee ID XXXX ) told me that following 9 payments are the only payments at issue : 1. XX/XX/XXXX- XXXX XXXX XXXX 2XX/XX/XXXX- XXXX XXXX XXXX 3. XX/XX/XXXX- XXXX 4. XX/XX/XXXX- XXXX  5. XX/XX/XXXX- XXXX  6. XX/XX/XXXX- XXXX  7. XX/XX/XXXX- XXXX  8. XX/XX/XXXX - XXXX XXXX 9.XX/XX/XXXX- XXXX XXXX XXXX  I have uploaded all the documentation I have to XXXX XXXX showing that these payments were properly made. Every month I call to follow-up on the audit and I am told that all missing payments are still at issue they can not tell me when the audit will be complete. There is a Massachusetts law suit brought by the MA attorney general about this same issue. In addition, numerous classmates I have contacted in CA report similar issues with their payment tracker being incorrect and being unable to resolve this issue with XXXX ( despite having documentation showing payments were properly made ). Please let me know if you need any additional documentation.

Thank you, XXXX
Consumer complaint received 2018-03-25
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX I discovered that XXXX XXXX XXXX XXXX XXXX XXXX   had been re-inserted an account on my credit file after it had been previously deleted. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Furthermore the company even tried changing it's name as I noticed between XX/XX/XXXX andXX/XX/XXXX, the creditor name on this account was changed from XXXX to XXXX  on my Credit Report. I have attached a screenshot.
Consumer complaint received 2017-12-27
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. (TN)

I called XXXX XXXX XXXX to dipute credit card information that was incorrect on my credit report on XXXX 2017, I spoke to a supervisor and they could not locate any account with my name or social security number. I was told by supervisor that they will send an email to Equifax to have account remove from credit. its has been more than 90 days and information is still listed
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

I received a bill from XXXX County for my property tax XX/XX/XXXX ( which consists of 2 installments ) on XX/XX/XXXX and immediately sent a copy to my mortgage company, Dovenmuehle. This was done by email, to the same address I had sent all previous documentation to. 

I never received a confirmation that the tax was paid, which unfortunately has been common practice, but I assumed everything was taken care of. 

Fast forward toXX/XX/XXXX I receive a Notice of unpaid taxes - Intention to issue FIFA letter from XXXX County. Again, I send another email to Dovenmuehle immediately advising them to pay the due tax and the late fee at once. My husband then called on XX/XX/XXXX in order to make sure the issue was being addressed. The representative told him they never received the email ( which is a lie ) and to send it again, to the same email address (! ). The email with the attached late bill was sent again that same day. 

I decided to call the County every few days to confirm if the bill had gotten paid. After about 10 days of nothing, on XX/XX/XXXX, my husband calls the original mortgage company ( XXXX XXXX XXXX XXXX ), who then starts a 3-way call with Dovenmuehle. Once again the representative from Dovenmuehle tells him the issue is being taken care of, a check will be issued to the County and the late fee will be paid either by XXXX or Dovenmuehle. 

On XX/XX/XXXX I call Dovenmuehle to make sure the check has been issued and to ask what the tracking number for it is, so I can let the County know. I am told that the check was sent on XX/XX/XXXX and given the number of the check. I let the County know and I am advised to keep calling and not let this bill go unpaid ( obviously ). 

OnXX/XX/XXXX( today ) I call the County yet again to find out the bill still hasnt been paid. Since I dont want to ruin our credit and obviously cant trust Dovenmuehle to take care of things using our escrow account, my husband and I went to the County office and paid the bill plus the late fees in person. 

Dovenmuehle needs to be held accountable for their negligence by paying a penalty and refund us the original tax bill AND fees. We also want confirmation of EACH and EVERY payment paid out from our escrow account. This is someones life you are messing with!!
Consumer complaint received 2022-10-04
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. (MO)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, CA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. XXXX ACCEPTANCE XXXX XXXX, MI XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C.1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions