davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MN)

I was able to get my credit report from both XXXX and XXXX. What I saw was that there was an incorrect address and phone number from both that I was able to dispute online. The experience for both was great. Equifax was an entirely different experience. I tried to create an online dispute with Equifax due to the incorrect address and phone number I saw on the other credit reports. I was unable to do so and told to call in. I tried to call. Their voice response unit ( VRU ) seemed unnecessarily complex and intended to get consumers to give up. I authenticated and was the told they were closed and they hung up on me. I then tried to request my credit report online through Equifax. I again authenticated. I was then told my credit report could not be shared online. Equifax has gone out of their way to prevent me from seeing what information they have on me. It has been my experience they are intentionally preventing me from seeing my credit report. I am sure they will say that I could fill out a paper form and send it in, but that defeats the purpose of authenticating online. For whatever reason, the experience with Equifax is significantly worse than the other bureaus. I wish I could prevent them from having any information about me. Its not fair to me that I have no choice in Equifax collecting information about me and then being unwilling to share my information with me. I have no issue with the other two credit bureaus. Equifax appears to be intentionally preventing me from seeing what information theyve collected on me.

I wish the United States government gave me the ability to control who had access to my information. I would prevent companies from being able to share any of my personal information with Equifax. I had never  thought about this before, but its a shame I have no control over my own information. Why a publicly traded company has access to all my financial data is beyond me. Based on their past security issues, and that they appear to be going out of their way to hide what information about me they have, I feel helpless.
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I found an advertising for merchandise on XXXX. I openned a conversation with the seller and they agreed to sell me merchandise which would help the local Texas police department. I had met someone recently who had seen advertising s that gave a whole story about how this police department was selling items to help support their officers. A day after I paid via XXXX to an odd sounding account, I received no further communication from the individual and lost {$1100.00} which Chase will only call the receiving bank ( who they wouldn't tell me who it was XXXX and said that it will take 10 days and likely nothing will happen or be returned to me. What a horrible system where we are lead to believe that XXXX on Chase is actually safe to use.
Consumer complaint received 2021-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX, I disputed a debt with XXXX XXXX XXXX XXXXXXXX and requested information from them about the debt. I was told they only received an affidavit from the original creditor ( XXXX  XXXX ) and did not have any other information, including contact information. I was told the debt started in XXXX of XXXX and payments were received for 10 years but they did not have documentation to support this claim. I informed them I was disputing the debt and was told that they would sue me and call my employer and tell them of the debt and request that they garnish my wages. About 10 minutes later I get an alert that a new account was reported to Transunion, which turned out to be XXXX XXXX XXXX XXXX. I disputed the debt with Transunion immediately. After several weeks, Transunion said they verified the debt and it was accurate. I called Transunion on XX/XX/XXXX and asked them what information was verified and what was their process for verification. I spoke with XXXX in XXXX and XXXX in the US and was told they verified the name and address of the collection agency. I asked for specific details that the debt was verified and was told that once they verify the name, address, and phone number of the collection agency that verifies the debt. I again filed another dispute with Transunion. I am outraged at Transunion for not verifying the debt and allowing this fraudulent company to report a debt without verification. This debt has not been reported to XXXX or XXXX, only Transunion.
Consumer complaint received 2020-07-10
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. (CA)

Hello, this complaint is for both me and my husband. I want to file it against XXXX XXXX. I've been having trouble with them for so long and I don't seem to be getting anywhere with them. This complaint is about credit reporting for a loan on a vehicle which was legally deemed a lemon. 

Back in XXXX I hired a law office because my car was constantly giving me trouble and the dealership could never fix it. I kept having to take it back constantly and finally I hired a lawyer. We went through the process of having it legally declared a lemon and getting the loan closed because the car was defective. They took my vehicle sometime in the summer of XXXX for this process. During this time my attorney informed me that this was definitely a lemon and they were in contact with XXXX and no payments needed to be made on this vehicle. In fact, I was even given a reimbursement check with a letter from the attorney 's office which stated no payment was to be owed after XXXX of XXXX, and if I had, I was to be given another reimbursement check within 10 days. It was my understanding this was supposed to have fixed everything but that wasn't the case. 

XXXX has been reporting 30 day late payments on mine and my husband 's credit report from XXXX of XXXX until XXXX of XXXX. My husband and I have done everything to try to have this resolved. We spoke with XXXX to have this fixed, sent out dispute letters to the credit bureaus, notices to XXXX XXXX, hired a credit consultant after we received no response to do the same job and he also didn't receive any results. I even conferenced call with my consultant to XXXX on XX/XX/XXXX to inform them of how I have yet to receive any response to any letters submitted to any company and I still didn't receive any help. On XX/XX/XXXX, the representative we spoke with tried telling us they never received notices of any kind but that wasn't true, we submitted various letters to them and the credit bureaus and didn't receive any response. Not only that, but the representative also told us I would get a call within 48 hours from the department which handles credit reporting so they could speak to me about possibly having these late payments removed. Today is XX/XX/XXXX and I still haven't received this phone call. 

XXXX is seriously placing my credit in jeopardy. I can't get credit loans because the late payments they are reporting are very recent and consecutive and my score has dropped significantly. Please help me fix this. XXXX is lying about me paying late all these months. I will give you the letter from my attorney so you can see that XXXX is lying.
Consumer complaint received 2020-10-11
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/20 I called to file a complaint about overcharged amounts from XXXX. They placed me on hold for over 6 hours. Yesterday I finally got through to an agent in the fraud department who answered like I woke her up, was extremely rude and hung up on me. Today I held for another 6 plus hours and in the process of speaking to someone in the fraud department mid conversation I was disconnected again because it was after XXXX and that department closes at 9. You can not get through or receive a call back. I want this issue with XXXX  resolved and to close out this account and receive my State funds in another way. This is a financial institution and you can not physical go to any location or reach anyone via phone or email to resolve issues.
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I sent a lot of letter to the bureaus such as XXXX, XXXX  and Experian, but they don't work wirh my case. I want you to investigate my credit report because it has a lot of inaccuracies, errors that I want to fix. 
Thank you.
Consumer complaint received 2020-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (AL)

Around XX/XX/20, my car was stolen, wrecked and impounded. I filed a police report and notified XXXX. On XX/XX/20, XXXX inspected the car. On XX/XX/20, XXXX tried to pick up the car from impound, but it was gone. It had been repossessed by XXXX/Bridgecrest. There has never been a late payment and all payments are up to date. Over the next several days, I made numerous calls to XXXX trying to get the car back. They repeatedly gave me inaccurate and misleading information. The notice of disposition they provided had one amount and set of instructions while they provided a different amount and instructions verbally. They refused to provide accurate written amounts/instructions even though the notice of disposition said I have  a right to a written explanation. On XX/XX/20, I was forced to pay the entire balance of the loan plus repossession fees, so the car wouldn't be sold at auction. They would not give me a receipt for the repossession fees. Also, they are reporting the repossession on my credit report even though it is not a financial issue. I have NEVER missed a payment, all payments are up to date, and the loan is now PAID IN FULL.
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc (GA)

I have sent two different letters to the company requesting debt validation and they did not respond, however they call my phone multiple times a day. I requested that they send correspondence through USPS and they have not. At this point, it is harassment and causing anxiety. I have been recovering from illness and I just want the calls to stop. 
The account numbers are XXXX, XXXX, XXXX, AND XXXX. It has been well past the 10 days to validate the debts.
Consumer complaint received 2020-10-11
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. (NJ)

I sent a lot of letter to the bureaus such as XXXX, Equifax and XXXX, but they don't work wirh my case. I want you to investigate my credit report because it has a lot of inaccuracies, errors that I want to fix. 
Thank you.
Consumer complaint received 2020-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/XXXX I noticed I had multiple collections on my credit report for the same student loans. After looking closer I realized that some of them even had the same amounts and account numbers but were added over and over again as if they were separate collections. This was making it seem as if I had multiple accounts go into collections when that wasn't the case. I filed a dispute online in an effort to get the matter resolved on XX/XX/XXXX. I received results on XX/XX/XXXX stating that all information was being reported accurately and this is simply not true. This is KILLING my score and is inaccurate! I also have late payments listed under my student loans ( even the currently open one ) which is inaccurate because all of my student loans have been in forbearance since XXXX until present. Some were just transferred, but we're NEVER late.
Consumer complaint received 2020-07-10
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. (CA)

Hello, this complaint is for both me and my husband. I want to file it against XXXX XXXX. I've been having trouble with them for so long and I don't seem to be getting anywhere with them. This complaint is about credit reporting for a loan on a vehicle which was legally deemed a lemon. 

Back in XXXX I hired a law office because my car was constantly giving me trouble and the dealership could never fix it. I kept having to take it back constantly and finally I hired a lawyer. We went through the process of having it legally declared a lemon and getting the loan closed because the car was defective. They took my vehicle sometime in the summer of XXXX for this process. During this time my attorney informed me that this was definitely a lemon and they were in contact with XXXX and no payments needed to be made on this vehicle. In fact, I was even given a reimbursement check with a letter from the attorney 's office which stated no payment was to be owed after XXXX of XXXX, and if I had, I was to be given another reimbursement check within 10 days. It was my understanding this was supposed to have fixed everything but that wasn't the case. 

XXXX has been reporting 30 day late payments on mine and my husband 's credit report from XXXX of XXXX until XXXX of XXXX. My husband and I have done everything to try to have this resolved. We spoke with XXXX to have this fixed, sent out dispute letters to the credit bureaus, notices to XXXX XXXX, hired a credit consultant after we received no response to do the same job and he also didn't receive any results. I even conferenced call with my consultant to XXXX on XX/XX/XXXX to inform them of how I have yet to receive any response to any letters submitted to any company and I still didn't receive any help. On XX/XX/XXXX, the representative we spoke with tried telling us they never received notices of any kind but that wasn't true, we submitted various letters to them and the credit bureaus and didn't receive any response. Not only that, but the representative also told us I would get a call within 48 hours from the department which handles credit reporting so they could speak to me about possibly having these late payments removed. Today is XX/XX/XXXX and I still haven't received this phone call. 

XXXX is seriously placing my credit in jeopardy. I can't get credit loans because the late payments they are reporting are very recent and consecutive and my score has dropped significantly. Please help me fix this. XXXX is lying about me paying late all these months. I will give you the letter from my attorney so you can see that XXXX is lying.
Consumer complaint received 2021-09-16
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. (GA)

On XX/XX/2021 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.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 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.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern. Upon viewing a recent credit report with TransUnion I noticed they have inaccurately placed a Bankruptcy on my report. I disputed this immediately as its inaccurate and not fair. I called the court phone number that is listed on the report and was told the bankruptcy belongs to another person with the same name as mine! The clerk said she couldnt remove it from TransUnions database but also, that the court doesnt supply information to TransUnion as well. I was at a lack of words to find out TransUnion is lying to consumers and not actually verifying things, and putting inaccurate information on reports from other sources and not actually verifying items from the authentic source.
Consumer complaint received 2020-10-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McNeil & Meyers Asset Management Group, LLC (CA)

In XXXX I co-signed a bail bond contract with XXXX XXXX XXXX. There was a mis communication with the person I bailed out, they were to finish paying off the loan and they did not. XXXX XXXX I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He told me that XXXX XXXX XXXX XXXX will be serving me with papers by the end of the day and I was being sued for the amount of XXXX but I could pay XXXX to be released of all claims and liabilities. So I paid over the phone and they sent over a letter via DocuSign stating I paid in full and I would be released of all liabilities. I also want to mention the bond number associated to the contract I signed with XXXX XXXX XXXX XXXX in XXXX is XXXX. On XX/XX/XXXX I receive a txt msg stating to contact law firm XXXX XXXX XXXX and if I fail to contact them I will be served at my place of employment without my consent. I did contact them they told me I was being sued by XXXX XXXX XXXX XXXX for a sum of XXXX $ or I could settle for XXXX but that is only if I set up payments by the end of the day. Also they told me they saw my payment of {$450.00} and they will put that towards my balance. Immediately I reached out to the finance department for XXXX XXXX XXXX XXXX, where I spoke with XXXX. XXXX told me I wasnt being sued by XXXX XXXX XXXX XXXX and my account went to collections agency Mc Neil & Myer. She also told me to ask the law firm what bond number was on my account on there end. So I called back XXXX XXXX asked for the bond number they told me it was XXXX, which was different from the contract I signed originally with XXXX XXXX XXXX XXXX. Also they told me the payment I made of {$450.00} I am not the co-signer of that bond. I then asked to speak with the supervisor at XXXX XXXX his name was XXXX. I politely asked XXXX if possible could he send proof that I was the co-signer for the contract they had on file? This is when the supervisor proceeded to yell and tell me he is not sending me anything and he doesnt have to answer any of my questions for I am the one who needs help from him and I should be answering all of his questions. XXXX was being very rude and disrespectful and he repeatedly kept calling me a young lady so I decided to end the call. On XX/XX/XXXX I decided to call the original collections agency Mc Neil and Myer whom XXXX XXXX XXXX XXXX  passed my account to. I finally got in touch with someone from Mc Neil who  stated they sold my account to XXXX XXXX and the balance I had was XXXX $ and the bond number was XXXX and not XXXX. After XX/XX/XXXX I was feeling very unsure on how to proceed with this situation, so I decided not to call back the law firm and they have been calling and harassing with txt msgs ever since.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. GM Financial violated 15 usc 1692b. ( 5 ), 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8