davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GENTRY FINANCE CORPORATION (UT)

I took out a loan about 2 month ago my hours at work have been cut and I asked them to hold off on contacting me until I could get paid, they have called my work 4 time and today was the last call to the employer and 3 time in the past 2 weeks, my boss at work has told them to stop calling and the company has no time to be answering call for employees that owe debt, I have asked them for the fourth time to stop contacting me but there has been 3 call a day and at least once a week to my employer. They are also ver rude and very unprofessional when calling I did call saying they will sue me and garnish my wages if I dont pay to me thats threading gentry finance could do much better
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

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

XXXX5 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
Consumer complaint received 2022-05-03
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. (IN)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Account # 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
Consumer complaint received 2021-03-15
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

On XX/XX/XXXX a debt collection for XXXX XXXX XXXX was removed from my credit report. However, the same debt reappeared on my credit report on XX/XX/XXXX and effected my credit score in a negative way. I never received a reinsertion letter from Equifax. I have proof of the debt being removed from my credit report.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Getting a new leased vehicle on XX/XX/XXXX, a driver ran a red light within six days of the lease and destroyed my car. He was given a citation for the Total Loss of my vehicle. 
I was told by XXXX in XXXX and by my XXXX  XXXX  in XXXX that the GAP insurance covered all expenses. My replacement lease also increased by {$570.00}, which no satisfactory explanation was provided. 
Mazda Financial Services closed this lease agreement apparently in XX/XX/XXXX with an outstanding balance and never informed me of the discrepancy or miscommunications. I had no way of knowing this existed. They have damaged my remarkable credit now with no customer relations or concern.
Consumer complaint received 2020-10-05
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. (CA)

After reviewing my credit report there are accounts listed that don't belong to me, I wrote these companies twice, this will be my third time writing them about these fraudulent accounts that are harming my credit report.
Consumer complaint received 2022-05-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmerAssist A/R Solutions, Inc. (LA)

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against AMERASSIST AR SOLUTIONS for committing identity theft. I have never given AMERASSIST AR SOLUTIONS any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any type of documentation requesting validation from AMERASSIST AR SOLUTIONS before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If AMERASSIST AR SOLUTIONS can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AMERASSIST AR SOLUTIONS can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AMERASSIST AR SOLUTIONS continues its collection efforts, I will file for litigation for actual damages caused and AMERASSIST AR SOLUTIONS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-05-03
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Tri-Emerald Financial Group, Inc. (CA)

I applied for a refinance with Lendplus XX/XX/2020 and was told by XXXX XXXX that the process would take around 2-3 months so I assumed that the rate lock would reflect that. The delays are now being blamed on me when that was not the case. I have always turned documents around within 24 hours. The documents they are stating was delayed were the ones requiring wet signature which they first said they could use docusign for. Later, they said they couldn't take the docusign and I needed to produce a wet signed document. They blamed this week for the rate expiring even though they said they were swamped with refi processing and the process would take up to 3 months. As a result the closing documents do not reflect the points I initially would have to pay. At no point until i received the closing documents did they tell me that the points cost to extend would be passed to me
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (UT)

I found this ic collection while monitoring my credit. In XXXX  this collection was removed by XXXX. Now again it shows up on my report. I called the collection agency to ask them over a month ago for a debt collection verification letter after asking them why once it was removed did they place same collection on my report. They stated they sent out a letter however I asked address and it wasnt mine!! This address wasnt on my credit report and I asked for another to be sent to my correct address and they have not sent anything amd collection remains on my report!!
Consumer complaint received 2022-05-19
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. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (GA)

The finance company allowed 4 deferred payments and it has been stated that we have to ask for a hardship removal when I actually was allowed deferred payments put at the end of my car loan. I have disputed and nothing has happen and trying to pre qualify for a home my score has dropped 100 points
Consumer complaint received 2023-06-12
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. (MD)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX : {$1300.00}
Consumer complaint received 2021-02-24
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: AmeriCollect (SC)

I am distressed that the reporting agencies are reporting false information. I have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Also On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Automated Accounts Management Services (CA)

XXXX XXXX XXXX : {$590.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$140.00} - This account Belongs to someone else. This is not my account. Provide me specific datas to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$340.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$160.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX Balance : {$790.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance : {$900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
Consumer complaint received 2023-03-24
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. (TX)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-23
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: Experian Information Solutions Inc. (MA)

I have sent Experian XXXX separate certified letters on XX/XX/2021 and XX/XX/2021 that were signed for and received on XX/XX/2021 and XX/XX/2021 ( and I have proof ) regarding the negative and incorrect reporting of a {$2400.00} charge off on my credit report regarding an account from XXXX XXXX. In my second dispute letter I let them know they failed to comply with the law and they must now remove the item from my credit report, yet it is still being reported. They have failed to respond both times within 30 days and failed to provide me with copies of any documentation associated with this account, bearing my signature which is a violation of federal law. Therefor they were supposed to immediately delete that information off my credit report. I clearly also stated I did not consent to XXXX or any other automated means of verification. Attached you will find proof of both of my letters sent via certified mail and proof of being signed for via certified mail receipt.
Consumer complaint received 2022-05-25
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. (VA)

XXXX XXXX  XXXX has been illegally reporting late payments to all three Credit Bureaus stemming back to XX/XX/2020. While I was in a COVID 19 Repayment program XXXX promised not to charge any late fees or report any negative credit reports against me. I entered into the forbearance agreement with XXXX in XX/XX/2020. On XXXX, XXXX & XX/XX/2020, XXXXXXXX XXXX reported to all three credit reports that my mortgage was 60 days late. Then recently, XXXXXXXX XXXX reported that my mortgage was 30 days late, when in fact, my mortgage has not been late since I entered the COVID repayment/forbearance agreement/period. 

Below is what is listed on XXXX XXXXe website. XXXX XXXXe and the three Credit Bureaus Equifax, XXXX and XXXX has disenfranchised me by falsely reporting these errors on my credit report, causing me to have a lower credit score and be denied critical lifechanging loans. I am respectfully requesting my credit reports are updated to reflect NO negative mortgage payments from the period of XX/XX/2020 until present. This is my right as a consumer to have an accurate credit report. I request my credit reports be updated immediately. I am attaching a copy of XX/XX/2020 statement to corroborate my aforementioned statement. Please review additional information where it indicates that I am in a repayment plan. 

During the forbearance period, we wont charge you any late fees. Also, we wont file any negative credit reports against you. But before your forbearance period ends, well work with you to build a plan to repay the payments you missed.
Consumer complaint received 2022-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (VA)

This is a request for proof of contract to substantiate the claim by National Credit XXXX. The collection item from this company was reported in 2018. I request a certified copy of an original contract, with my signature specifically naming the company as a person entitled to enforce a commercial claim against me. Certifications can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. If I can not be provided a copy of my signature on a contract, this debt is unverified and reporting it to ANY XXXX XXXX XXXX is a direct violation of the FDCPA. Continuing collection attempts on this account can and WILL be considered harassment under the FDCPA. I DO NOT have any contractual obligation to pay at this point and no proof of that has been provided. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. THEREFORE, THIS COMPANY NEEDS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, this complaint is not made in error nor is it being made bya 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 cardused my personal identifying information to apply for goods, services, or money ; and, wassuccessful in creating some account. I have no knowledge of this and all is beinginvestigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumerreports I never gave any written consent to report anything on my consumer reports... noconsent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$6100.00}
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Brought the car in XX/XX/2026, placed XXXX down on the car that the dealership and bank stated was towards the car. The car was for originally $ XXXX. I paid Two payments of XXXX the same day i brought My car. Sadly two weeks later was t bone and the car written off for a value of {$10000.00}. My insurance insured the check to the bank but some how i owe XXXX which makes no sense as payments are {$270.00}. They close the account after several years of me disputing the information and now said it was repo when it was never repo it was salvage. I still Ended up paying the debt off as a repo kill my credit, but theyve yet to do as I was told my a rep a remove the charge off. They never tried to make me whole again after the wreck.
Consumer complaint received 2020-05-06
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. (MO)

I was recently just released from prison, after 8yrs, only to find out that I been a victim to identity theft, my personal information has been seriously compromised and has left me in a rut. After reporting this thru the proper channels, I begun familiarize my self with the rules and laws of the FCRA. However, I chose this way first, demanding that the following unauthorized accounts be removed and blocked from my credit files. With Respect. 

1 ) XXXX XXXX XXXX {$630.00} 2 ) XXXX XXXX XXXX {$720.00} 3 ) XXXX XXXX XXXX   {$720.00} 4 ) XXXX XXXX {$2100.00} 5 ) XXXX  {$750.00} 6 ) XXXX XXXX XXXX  {$240.00} 7 ) XXXX XXXX XXXX {$2000.00} 8 ) XXXX XXXX XXXX  {$510.00} 9 ) XXXX XXXX XXXX   {$180.00} 10 ) XXXX XXXX XXXX  {$270.00} 11 ) XXXX {$11000.00} 12 ) XXXX XXXX XXXX  13 ) XXXX  14 ) XXXX XXXX XXXX XXXX  15 ) XXXX XXXX XXXX  16 ) XXXX XXXX XXXX XXXX XXXX