davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-08
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: IQOR US INC (PA)

Just over ten years ago, XXXX XXXX, and/or their subsidiary collection agencies, began threatening my grandmother (co-signer) with lawsuits and my mother's work income (also a co-signer). Now, XXXX is using a collection agency called Allied Interstate to collect the debt. Allied Interstate sent me a letter proposing that I pay 1/14th of the amount I owe in order to "pay the debt in full." With the advice of a credit counselor, I contacted XXXX, listed as the original creditor, to confirm and verify this proposal. Before I could speak with a representative, the call was directed to Allied Interstate. I asked the representative, "XXXX XXXX," to request a letter from XXXX confirming the proposed debt settlement. The Allied Interstate representative stated "XXXX will never do that." He also stated, "don't listen to your credit counselor." I need to know if this is a legitimate proposal, and I have a right to know from the original creditor.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received my credit report and noticed that, for the third time, a fraudulent account was still appearing, I have tried before to get this deleted. It's not mine. 

I command you to delete the accounts listed below : Account Name : XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/XXXX I was looking to purchase a new vehicle ( XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX and I decided to finance the vehicle. It was n't even 24 hours and I noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, I decided to return the vehicle the very next day because of this Issue And as of today XX/XX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX applied for me. XXXX XXXX and Ally Financial which are both Hard inquiries on my Credit Report. I did n't have the vehicle for more then 24 hours and It 's still on my credit report today XX/XX/XXXX. I hope this issue gets fixed. 


If you have any questions please do not hestiate to call me ( XXXX ) XXXX
Consumer complaint received 2017-12-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (SC)

I have been trying to put my private loan into in-school deferment. I called several times since the beginning of my school semester, which started in XXXX XXXX. I spoke to several representatives and supervisors and each time I get a different excuse as to why my loan will not be put into in-school deferment. I have sent every document they have requested from me. including documents felled out and sent by college representatives. I was told this is an easy process and each time I call in to find out what is going on they seem to put the blame on the former representatives that I have already spoken to. They keep telling me that the documentation that is requested is incorrect and I have to do something else. I have been trying to avoid this being reported to the credit bureau because this is out of my control. 
I do attend college half-time. I am a student with XXXX University and a transient student with University XXXX XXXX XXXX XXXX. I am taking XXXX credit hours this fall XXXX semester and both colleges have reported to clearing house. The problem is that I am less than half time according to clearing house because my attendance is in XXXX different colleges. Navient is aware of this and has told me not to worry this is an easy fix with a statement from one of my colleges. Well I have done everything I could and provided numerous documents and they still refuse to put my loan into in-school deferment. I am registered for the spring XXXX semester as a full-time student and in XXXX there should not be an issue, but until then I need my loan with them to go into in-school deferment.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I have contacted all 3 bureaus in regards to inaccurate public information being reported. They are reporting a Bankruptcy and IRS XXXX which are not mine. I have sent numerous letters and made numerous phone calls to no avail. 

Here are the following dates in which these XXXX items have been addressed : XXXX XXXX XXXX
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have contacted all 3 bureaus in regards to inaccurate public information being reported. They are reporting a Bankruptcy and IRS XXXX which are not mine. I have sent numerous letters and made numerous phone calls to no avail. 

Here are the following dates in which these XXXX items have been addressed : XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

f you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Your agency is in violation! 
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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (FL)

Last year, my mortgage was being handled by DiTech Financial. The mortgage is being handled by a new servicer now ( XXXX XXXX ). Nevertheless, DiTech Financial is still reporting a note on my old account from their office that my mortgage was in foreclosure. My mortgage was never in foreclosure, and I want DiTech to delete the foreclosure note from their account listing, or completely remove the account from my file.
Consumer complaint received 2017-11-29
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: Experian Information Solutions Inc. (CA)

Upon checking my credit report I noticed that XXXX XXXX as well as XXXX XXXX XXXX has place an inquiry on my Experian Credit Report. This inquiry is not my inquiry. I have contacted Experian in hopes to remove this inquiry but was told that there are not allowed to remove any inquiries. I stated that this inquiry is not mine and I have no knowledge of this company. Per section 604 in the FCRA, I am demanding Experian remove this inquiry that has been added to my credit report immediately. Please kindly provide me with Permissible purpose, Proof that I as the consumer initiated the inquiry and written authorization per the FCRA section 604.

Thank you in Advance,
Consumer complaint received 2017-11-29
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: ALLY FINANCIAL INC. (AL)

XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; Ally Financial XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (AZ)

I am a victim of identity theft. The inquiries, which appears on my credit report from General Motors Financial Company dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

I have contacted these companies individually and have not received any reply back.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX. The credit bureau is refusing to remove a collection record from my report that is not mine. It is being reported as a paid debt but I have never had any business dealings with this company. I have never been called by them, I have never received any letters or notices from them and I have never paid them any money. There is no reason for this to be on my credit. The account name is under " XXXX XXXX '' with account number # XXXX. It is reported to have been opened since XXXX 2016. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. Last week, I took it upon myself to call XXXX XXXX and spoke to their representatives and a supervisor. It turns out that the personal information on this account does not match mine besides a very similar sounding name. They were not able to give out any more details because I was not the verified person on the account. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. If I am being told by the source of this information that this is not my account, why does the credit bureau continue to report this to my credit? I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake. This is the reason why I am filing this complaint.
Consumer complaint received 2017-11-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of James R. Vaughan, P.C. (AZ)

The Law Office of James R. Vaughan , P.C . in XXXX, AZ contacted me via mail on XX/XX/XXXX and sent me garnishment letter about the XXXX XXXX credit card account that was opened under my name and social security number and charged off to a third-party collection company. The Law Office of James R. Vaughan , P.C . has garnished my wages since XX/XX/XXXX. The XXXX XXXX account was too old so the identity theft could not be fixed by my lawyer. I would like you to help me fix my identity and prevent identity thief from happening again.
Consumer complaint received 2017-11-29
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: ALLY FINANCIAL INC. (GA)

On XXXX XXXX, XXXX and XXXX XXXX my social was given to many different banks to request credit without my authorization. I was told that it was ran ONLY one time and suddenly multiple inquiries were placed on my credit report. These inquiries were NOT authorized and when called to report them I was told they could n't be removed.
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (PA)

On XX/XX/XXXX XXXX XXXX XXXX issued an ACT 91 order for the amount of {$4900.00}. I called on XX/XX/XXXX to discuss payment options. No one returned my call. I called on XX/XX/XXXX and was informed that my case was transferred to a new Point of Contact Person and given his voicemail. I left a detailed message. He finally called back on XX/XX/XXXX ( 9 days! ) Unfortunately I was at work and was unable to answer. I called back later that evening and got his voicemail again.. No call back. My breach notice expires today. Guess who I finally got to speak with? According to him I need to send XXXX by the end of business today in order to put a forebearance into effect. Had someone offered this weeks ago when the first call was placed it would n't have been an issue, I could have secured the funds with time to spare. Now I 'm going to lose my home because they do n't return phone calls
Consumer complaint received 2017-11-29
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: WELLS FARGO & COMPANY (NY)

I have a mortgage since XX/XX/2010 with XXXX then Wellsfargo and XXXX   do not have it.. But XXXX and XXXX have it .... I call Wellsfargo and they said they send the report every mouth.. I call XXXX and they said I have to call Wellsfargo.. Im getting the run around from both ... Can you help
Consumer complaint received 2017-11-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Conn's, Inc. (MS)

Bought an XXXX computer for over {$3000.00} from XXXX XXXX XXXX. In the contract they stated i would have an additional warranty. I dropped off the computer and its been more than 30 days the company advised in their contract that the repairs if exceeded 30 days would replace the computer or give store credit in order to compensate for the money as of today 's date I do not have the computer and I am out of over {$3000.00} of my money. The company is not trying to live up to what has been promised in the contract and has not made any effort to make amends with the consumer. They constantly delay and delay and will not refund me my money or a new computer I am now out of over {$3000.00} and do not have the product for it has been sitting in their repair shop since XXXX XXXX, 2017. They have made false statements in order for the consumer to purchase their extended warranty program and will not live up to what they say they will do.
Consumer complaint received 2017-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In XX/XX/XXXX, I notified Bank of America numerous times about a company fraudulently charging my debit card for products I never rec 'd nor even received bills for. I asked the charges to be credited & future billings to be blocked. They opened up several fraud disputes & issued temporary credits but ultimately WITHOUT ANY PROOF from the vendor, reversed these credits. I explicitly asked BOA to get ( & provide me ) with proof from the vendor that I had received the products & with bills that were supposedly sent to me but they neglected to do so & relied only on a single phone call with the vendor who verbally said the charges were valid. I called BOA numerous times to reopen my claims, credit my acct, & to block future billing. In addition, I met my local BOA branch manager & asked him to escalate the fraud to the regional Mgr. I also pointed out the BOA claim detail was incorrect & needed to be fixed. We both ( again ) called the fraud Dept. to attempt resolution. BOA neglected to correct & reopen my claims & I never heard from the regional Mgr. I spent over 30 hrs & 5 mos. trying to resolve this, ultimately to no avail. 
I received a ltr from the FTC ( XX/XX/XXXX ) notifying me they sued & won a case against this very company that defrauded me out of {$1200.00}. I again contacted Bank of America fraud Dept. asking them to refund my {$1200.00} since the FTC substantiated the very fraud claims I previously reported. I spent another 1 hr & 40 mins with the BOA rep reviewing all the claim data ( dtd XX/XX/XXXX-XX/XX/XXXX ) & she opened case # XXXX ( XX/XX/XXXX? ). She advised me it would be escalated to a supervisor immediately & BOA would contact me. As of today, XX/XX/XXXX, I have ( again ) received no response, no claim has been opened, no credit issued to my acct. & this matter is still not resolved. 
It was bad enough for a vendor to get away with stealing {$1200.00} from my acct. but BOA 's financial neglect to properly investigate the fraud, stop it from recurring & to not properly pursue resolution, is unconscionable & only adds insult to injury.
Consumer complaint received 2017-11-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (IL)

Well for several months I contacted Exeter Finance with no response to trying to solve the situation at hand. I was told that I had not paid for an XX/XX/XXXX payment. I let them know that the funds for XX/XX/XXXX had come out of my account. And they told me no I still had to pay for the month of XX/XX/XXXX. When I spoke to a repersentive they told me I was 112 days past due and was still demanding payment for XX/XX/XXXX. I was I also asked for a form to match payments made and never received it from them. So in the end they reposed the car and I was told that I still had to pay for the month of XX/XX/XXXX on top of all the other fees. Fees for storage, tow and all back payments which totaled around {$2000.00} dollars all in all. They are not a good finance company they offered no other alternatives. They are a straight rip off and are no good to consumers trying to make it. So by Exeter doing what they did I am now forced to file Bankruptcy.