davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-11
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. (TX)

XXXX XXXX amount owed XXXX, i have call XXXX XXXX  repealtly and they will not give me no information on a item that they is reporting on my credit so i call on today XX/XX/2018 and the lady stated that they no longer in the account they it is sold to a collection agency and that i will have to dispute this account with the credit bureau in order from them to remove completely, because they states they no longer owns the account to report to be removed off my credit, so i asking all the credit bureau to remove off credit
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

Because of the Experian Site hack I had to freeze my information. I put the password in the safe. Now I need a XXXX and I need to get a loan. The safe will NOT open. I can not get a credit report to get the loan no one can get them even the company trying to get the credit report! 
I have tried to call ALL the numbers on the experian site the menus do nothing but run you in circles you can not get a live person to talk to to verify you are who you say you are. This was caused by them and they can not answer their phones. 
I say they are profiting from the consumers and they need to make themselves readily available for the public they serve not just make the money and forget the personal service! 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Indiana XXXX Home phone : XXXX cell XXXX
Consumer complaint received 2018-07-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I went in to the dealership to buy a used car. They suggested a lease instead. I said no to the lease because I did not want to pay a large excise tax on a new car that I did not own. They told me that because I was " leasing '' and not " owning '' that I would only have to pay one-half ( 45 % ) of the excise tax ( 90 % at full valuation ). When I told the salesperson my concerns she reassured me, along with a floor manager, that I would not have to pay the entire tax. 

As a result of this information, I signed the lease. I got a bill last week for the FULL amount of the excise tax. When I called the dealership to question this, I was told that they never told me I would not have to pay the full fax. 

If I had been told the truth, I would not have signed the lease. You will have to pay the entire 90 % of the new car valuation on a car you do not own.
Consumer complaint received 2018-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (GA)

I filed a dispute on two diffent cases with the fraud department one for XXXX and the other transactions i didnt reconized from XXXX and XXXX so i filed a dispute suntrust called me a rep in thr fraud department calls me and ask some questions about the disputes she didnt let me talk when i was trying to explain to her about XXXX i paid XXXX dollars for service to be installed i was told to pay my brothers bill before they install service so i declined and ask for my money back they didnot return mu money to my card this rep for suntrust fraud department denied my claim on this she didmt reach out to XXXX at all so i paid XXXX dollars but yet never got it back because this rep did not do her job i wamt my money back and thr other disputes she also failed to do her job ans denied thst claim i wamt my money back im closing my account because suntrust failed to there job, im not filing no appeal that woukd take 45 days if someone did there job more probably. I wouldnt be going through this, i was called a liar on this claim i dont appreciate that this needs to be resolved
Consumer complaint received 2018-07-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IA)

Have called multiple times to set up payment arrangements will not give any options for repayment or refinancing. Company has lied and said that we were eligible for a repayment plan at one time and then changed it would not let me remove my cosigner on my loan due to me being a good Financial standing.
Consumer complaint received 2018-07-11
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. (FL)

TransUnion and XXXX credit bureaus have an outdated " hard '' credit inquiry listed on my credit reports that is over 2 years old. 

The inquiry is from XXXX XXXX Bank on XX/XX/2016. 

Under the terms of the FCRA ( Fair Credit Reporting Act ), passed by Congress, a credit bureau must delete all credit inquiries that are over 2 years old.

In addition, the credit bureau must send the consumer an updated credit report, via USPS first class mail, showing that the outdated inquiries have been removed.

I have contacted these 2 credit bureaus to have them comply with the FCRA rules, but to no avail.
Consumer complaint received 2018-07-10
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: Equidata, Inc. (NC)

I filed a complaint on this website about a 30 day late payment and the company responded that I wasnt ever 30 days late. I asked XXXX to update my credit reports back in XX/XX/XXXX and as of today XX/XX/2018 nothing was updated. My credit is seriously impacted by this 30 day late on my credit report. I was denied opening up a new account today because of my 30 days late being reported.
Consumer complaint received 2018-07-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (LA)

I financed a XXXX XXXX XXXX XXXX for my job back in XXXX. Within 6 or 8 months, I was struggling to keep up with my notes and insurance. The vehicle was in mine and my grandmother 's name, she co-signed for me to get the vehicle. When I could no longer keep up with my notes, me and my grandmother both went up to the dealership to return the vehicle. They informed me that by doing that, I will not owe anything on the vehicle. We all signed papers, I left my vehicle at the dealership, and it was forgotten. 6 months later, I had a different vehicle. When I tried to put insurance on it, I was told I had a flag on my license for not having insurance on the XXXX XXXX XXXX XXXX, the vehicle I turned in 6 months ago. I immediately went to the dealership to resolve my issue, and they informed me that they shred all of their documents and they had no proof that I even turned in the vehicle, and I no longer had the paper either. Turns out, they kept my car in their parking lot for months before turning it over to the finance company, and I had no idea. I was eventually able to get the manager of Toyota to hand write me a letter saying that I willingly surrendered the car on a specific date in order to have the flag removed from my license. Recently, in XX/XX/XXXX I disputed this account on my XX/XX/XXXX credit report. They were unable to provide documentation to XX/XX/XXXX, and the account was removed by that bureau. It remains on my XX/XX/XXXX and XX/XX/XXXX reports, and it is preventing me from being able to do anything with my credit. I can't be approved for a mortgage or a new car loan. I need this account removed from my other reports as quickly as possible. The account number is XXXX from Toyota Motor Credit Corp.
Consumer complaint received 2018-07-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I sent a certified letter for a cease and desist in XX/XX/2018. The company receive the certified letter and the calls continued to come to my home and cell phone. I filed a complaint on this site. I received a response back that I am not the person they are looking for and my home phone was removed. The calls continue to come in on my home and cell phone. I have never disclosed my cell phone nor do I allow calls on it.
Consumer complaint received 2018-07-11
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: EQUIFAX, INC. (TX)

Equifax continues to commit Fraud. I have already advised Equifax over three different times, and complaints that I am a VICTIM of True - Name Fraud, and Identity theft after my wallet was stolen. I have provided Equifax with a copy of a law enforcement document to provide proof of Identity theft. Equifax refuses to follow the FCRA laws put in place to protect consumers whom are a victim of identity theft. Per the FCRA requirements if you provide a law enforcement document FTC Report which is a legal document. Providing proof to the company of identity theft, and requesting the fraudulent accounts be blocked. The credit bureau legally has an obligation to do so. In the State of Texas we follow the FCRA laws. Equifax continues to violate the FCRA laws, has not provided resolution. In fact Equifax is committing fraud themselves by placing the Fraudulent information on my report and not blocking it, knowing these are fraudulent accounts. You havent verified anything. The addresses these companies have do not relate to me. The XXXX XXXX XXXX have been blocked with XXXX, and XXXX. The XXXX XXXX accounts have been blocked with XXXX and XXXX. The XXXX account and XXXX XXXX accounts have been blocked with XXXX and XXXX. The XXXX/XXXX account has been removed from the Company on XXXX and XXXX  as fraud. The XXXX  XXXX XXXX closed account has been removed from XXXX  and XXXX. Yet Equifax knowingly has a law enforcement signed document and continues to keep the fraudulent information on my reports. I am going to have to forward this to my lawyer since legally I have rights to protect me as a consumer and Equifax refuses to follow any laws.
Consumer complaint received 2018-07-11
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. (NC)

I have disputed multiple times with Equifax to remove a medical collections from XXXX XXXX XXXX ( it placed at the credit bureau from Collector - XXXX XXXX XXXX ). 

I have spoken with XXXX XXXX XXXX Billing dept and they have informed me they have requested that the collection agency they use ( XXXX XXXX XXXX ) PULLED/REMOVE the collection from my credit report as it was pulled back " in-house '' into their office and was satisfied and should NOT be reported to the credit bureau. 

Each time I disputed the item ( based on my conversation with XXXX XXXX AS WELL AS MY conversation with XXXX XXXX ), Equifax does NOT Remove the item from my credit report. 

I have a letter from XXXX XXXX XXXX ( that they requested Equifax to PULL/REMOVE the collection from the Equifax b/c they had sent the concern bACK to XXXX XXXX and I also have a letter from XXXX XXXX Billing department that the collection should be REMOVED from the credit report. I do not know WHY Equifax is refusing to remove it!!!!!
Consumer complaint received 2018-07-10
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. (OK)

This is a reocurring problem with Equifax and XXXX  allowing a Company named XXXX XXXX to every year update this collections account as current and partially paid on my credit reporting. They are reporting it wrong and against the fair credit reporting act. 
This account started in XX/XX/XXXX when I vacated an appartment and they agreed to take partial payment. They put it on my credit for paid less than full balance. I listed them on my banckruptcy as a debtor in XX/XX/XXXX. On XX/XX/XXXX, the United States Bankruptcy Court, XXXX   District of Oklahoma discharged my debts. XXXX XXXX XXXX is listed as a discharged debtor. I filed a dispute with Equifax. Yet, they allowed XXXX XXXX to continue to report this as an unpaid partial collection.In fact XXXX XXXX is showing they added it again XX/XX/XXXX as a partially paid collection with a note, Consumer disputes this account. This company needs investigated for continually going against the Federal Law and Federal Bankruptcy laws and needs fined so they won't continue to do it. 
Also Equifax and XXXX  need fined for allowing it to be falsely reported on my credit report. I recently was issued a credit card for 24 % from XXXX XXXX because of this lowering my score and showing as current debt instead of included in Bankruptcy.
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (IL)

On XX/XX/2018 I received a letter dated XX/XX/2018 from this collection agency that I never did any business. I immediately responded with a letter stating that I did not have any business with the collection agency and because they are a 3rd party collector they need my permission to furnish any information on my credit as it is stated in the FDCPA. I clearly told them they DO NOT have my permission to access nor report on my credit file. I requested validation, verification, proof of contract and a certified copy of an authenticated original contract with my signature naming them as an entity entitled to enforce a commercial claim against me. I informed them that according to the FDCPA they have 15 days to provide the strict proof of contract or they must cease and desist any & all collection efforts. I am attaching a copy of the letter as proof. 

On XX/XX/2018, I received a responding letter dated XX/XX/2018 from the collection agency stating they would honor my request to cease communication and they would be terminating any further collection efforts. They then stated that they would send weekly electronic files to credit reporting agencies listing debts that are unresolved and unpaid 15 days after they begin collection efforts. They DID NOT send the requested information that was clearly listed in the verification, validation & proof of contract letter that I requested. They also did not respond with said information within the 15 days that the FDCPA allows. 

On XX/XX/2018 I responded to the collection agency stating they did not provide strict proof of contract at all, which puts them in breech of the 15 day window listed in the FDCPA. I also stated that I appreciate them for stating they would cease communication and terminate collection efforts, but they should also NOT do anything as it related to my credit files for they DO NOT have my permission. I also listed the missing information that they DID NOT verify NOR validate. I clearly stated my remedies in the event they violated my rights by reporting this unverified, unvalidated & uncertified information on my credit report. I even CC 'd the legal firm I may use in the event they go any further. This collection agency did not honor their word nor did they provide any proof ; they did send a letter to the law firm stating they intend to collect on the alleged debt. 

Yesterday, XX/XX/2018 I saw that this collection agency did file a collection report to the credit reporting agencies which clearly violates my rights and has hurt me in the process for I was attempting to get a loan. I have attached all letters that were sent to and received by the collection agency.
Consumer complaint received 2018-07-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 XXXX XXXX must report accurate information. My credit report is reporting that my XX/XX/XXXX and XX/XX/XXXX payment is 30 behind and as of today is XX/XX/2018 Im. It 30 days late. XXXX XXXX needs a better system to repos accurate delinquency. I reported to XXXX XXXX that I have a medical emergency and I cant afford my payments. I need their assistance to reduce these Payments. I mailed in my XX/XX/XXXX payment to see if the company would get that faster but it still didnt report. I am so grateful for getting a credit card with this company but they arent reporting accurate information.
Consumer complaint received 2017-06-08
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: Experian Information Solutions Inc. (OH)

These accounts were taken off my XXXX credit report and now I see they have been reinserted without validated. XXXX has not verified these accounts nor have they responded to my request for method of verification form that I sent for XXXX to fill out. XXXX XXXX debt and XXXX XXXX XXXX  have not sent me the signed documentation that i requested with my signature. These accounts are fraudulent and I will no longer continue to suffer the repercussion from these accounts that are not mine. XXXX XXXX is not a method of verifying. Information from third party vendors are not accurate. The last 4 digits of  a social security number do not verify nor validate a consumers information. I will send a letter to the CEO of transunion if this matter is not fixed immediately. I am in the process of filing a lawsuit against XXXX. Cease and desist letters have been sent to both collection agencies as well as a debt validation letter and I have not gotten that signed document with my signature and its been well over 30 days.
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ERC (TX)

Mother XXXX XXXX XXXX XXXX XXXX XXXXr for 2-3 days. She had cancelled her lifeline services to keep her cell phone which she could not get to when she fell. She cancelled the cell phone with XXXX XXXX XXXX so she could reactivate and afford to pay for her lifeline services. 

After more than 60 years with XXXX XXXX XXXX and XXXX XXXXXXXX she was told there would be a {$400.00} cancellation fee. She explained she could not afford to pay this. She still has her XXXX XXXX XXXX land line. 

She has been receiving harassing and threatening phone calls and written correspondence. She was told they would take this money out of her bank account. My mother is XXXX years old. This has been very upsetting to her. It is unbelievable that this blue chip corporation would go after a XXXX year old lady would nearly died because she cancelled her lifeline to keep a cell phone that could not help her lying on the floor for days.
Consumer complaint received 2017-06-08
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. (NM)

It has only been a few years since  XXXX   XXXX  ;    XXXX   XXXX   XXXX   XXXX   XXXX    ; and   XXXX   XXXX   agreed to not conduct any further fraud upon the public.      XXXX  months ago our credit card was ordered to be closed and the balance was paid, in full as agreed upon.     However, in  XXXX  of this year    XXXX   XXXX   XXXX    began billing on the behalf of  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX   XXXX   for a renewal fee. I was out of the country and did not see the  XXXX  months of billings with finance charges in our mail.   XXXX   XXXX   was immediately contact and ordered to withdraw any negative reports to all   XXXX   credit bureaus ; immediately cancel any further billing and finance charges on a card that was no long open and useable ; immediately send a letter of apology from all three corporate offices. The only order completed was the discontinued billing and removal of any charges. The company continued to report adverse credit to all   XXXX   agencies.      XXXX   XXXX  has on occasion refused to answer phone calls transferred to a supervisor.     We feel these companies should be prosecuted criminally. Be advised we did not authorize electronic billing at any time.     Regards,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , NM  XXXX   XXXX  Last  XXXX  numbers on the account :  XXXX
Consumer complaint received 2018-07-10
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. (HI)

On Experion, XXXX XXXX stated that I had Failed to Pay XX/XX/XXXX and XX/XX/XXXX when the account was paid off XX/XX/XXXX. I submitted a dispute with Experion and now the new report shows Failed to Pay for XX/XX/XXXX additionally. The agreement with creditor was that all negative items would come off my report when I paid in XX/XX/XXXX. Now they are adding more bad marks.
Consumer complaint received 2018-07-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (OH)

In XX/XX/XXXX-XX/XX/XXXX I entered into an agreement with XXXX XXXX XXXX loans located at XXXX XXXX XXXX, XXXX, Ohio ( I had successful in the past so I used them again ) this tine due to financial reasons I was unable to pay my loan back, so after making the minimal payment several times then refinancing ( which I ended up paying way more than the loan and repayment amount ) my expedition was taken from my driveway and sold. I called to get the sell amount etc. Because the car was worth so much more than the loan amount, but was given no information and no chance to retain prior to sell. I was given the run around to multiple people. XXXX XXXX saying they could do nothing and to contact the lender and the lender saying call the auction, auction denied having info. Eventually I gave up. I had no money for counsel and I think that these companies play by their own rules, because they know if you need a title loan than you probably can not afford legal help. It has been years but this has never sat well with me, finally I was told about consumer reporting so I just wanted to follow up to see what my rights are. I did not know who to contact at the time. Thank you