davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (GA)

XX/XX/XXXX Filed for bankruptcy in Texas. 
Automatic stay in place GM Financial website stated We are aware of you Bankruptcy. We are not collecting any payments but you can make a payment if you choose. 
XX/XX/XXXX Bankruptcy discharged. Went to start making payments with GM Financial, website still said the same as above. 
Payments were made on XX/XX/XXXX and XX/XX/XXXX as I could afford them. Both were for {$200.00}. The website still stated that they were not collecting payments. 
XX/XX/XXXX Received a phone call from GM Financial stating that payment was due. I told them that the website said that payments were not being collected. He stated that this was an issue with one department not talking to the other and that the website statement was an error. Nothing was said that I was behind on payments or that there were late charges. At this point, I started making regular payments after this call. 
XX/XX/XXXX I started to receive phone calls from GM stating that my account was past due. I asked how that was possible and why didnt I receive a statement for the past year. They stated it was a system issue. My payment also did not show applied and they said it was applied to last year, when they stated that I did not have to make payments. 
XX/XX/XXXX In writing, I requested that they not call. They called 10 times after that until they finally stopped. Three times they acknowledged that I asked not to be called but stated that they did not have to honor that. 
Basically, I did what GM Financial said to do. They were not collecting payments. At no point did they say that the payments would be applied to the earliest missed payments. By doing this, they violated the automatic stay on the account that was allowed by the bankruptcy court. 
I made payments totaling {$3200.00}, GM Financial only applied {$1600.00} per their records.
Consumer complaint received 2020-09-27
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: Experian Information Solutions Inc. (SC)

A dispute was submitted on XX/XX/20 and I received no response regarding my dispute results. I also have a credit monitoring account with XXXX and updated my reports after 35 days from the date my letters were mailed and it is very obvious that my dispute investigations were not processed as any of the disputed accounts have no remarks that the account is being disputed by the consumer. This credit reporting agency is using the protection of the CFPB 's relaxed approach to the 30 day rules and should be back to full compliance by now.
Consumer complaint received 2020-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi XXXX/XXXX  ; how are you doing? Listen, I'm really shocked that I'm reaching almost 90 days counting on the last dispute that i sent to both the creditor and credit bureaus base on the way this account is reporting but yet they've failed to respond. There is absolutely no way that this can take this long, despite the fact that we're facing COVID-19. Impossible! It also continues to report incorrect dates of last active, dates of last payment, 1st date of delinquencies, etc. It's not right! I was told that the account needs to report 100 % accurately according to the law and it also needs to be verifiable! This account is not verifiable and it's incomplete. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

Hi Team : I visited a doctor for a general checkup about a particular health issue. The doctor examined me like I was examined in the same way by several other doctors in the past. I provided my insurance information and also paid whatever was requested at the counter. A few months later someone random, I don't even recognize started calling me, asking me to pay for tests that I don't remember or have not consented to and asking me to pay for it. I recently realized that they have updated the same in my credit report. These charges are very very small, but I did not use them and I should not be responsible for them. Please help me with this.
Consumer complaint received 2020-09-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have wrote to you all about this complaint and you wrote to the company and the company responded back saying that it would be closed and removed from all credit reporting bureaus. Now its showing on my credit report that it has been paid in full but has not been removed. The statute of limitations is up on this account this is an account from 2009.
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I HAVE DISPUTED THE REPORTING OF THESE ACCOUNTS SEVERAL TIMES. THESE ARE BEING INACCURATELY REPORTED ON MY CREDIT PROFILE. THE CABLE BILL IS FRAUDULENT. THE XXXX LATE PAYMENTS ARE TOTALLY INACCURATE. THESE LATE CHARGES ARE HOLDING MY CREDIT SCORE DOWN. I AM TRYING TO BUILD MY PERSONAL CREDIT TO BUILD MY BUSINESS BUT THESE INACCURATE REPORTED ACCOUNTS ARE A HINDERENCE. IT IS ALSO UNFAIR PRACTICES. XXXX  AND XXXX ARE NOT REPORTING THESE INACCURATE ACCOUNTS. ONLY TRANSUNION.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GUARANTEED RATE INC. (CA)

I received an alert from my XXXX app informing me that XX/XX/2023 my account shows XXXX days delinquent. I called the Guaranteed Rate. However, I am currently in a forbearance and have been for months. This is the XXXX time that this has happened, I have been impacted and my score has dropped XXXX points because of this. I will like this immediately rectified.
Consumer complaint received 2022-09-05
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. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$17000.00}
Consumer complaint received 2020-09-29
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. (LA)

Someone stole my identity by putting an apartment in my name and other resources. I did not agree to any of these items being placed are used with my information.
Consumer complaint received 2020-09-28
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: Experian Information Solutions Inc. (MI)

The Experian.com/upload site has given me error messages each time I have tried to upload supporting information on a credit dispute. The site only gives one other option to mail the information, It will not get there in time with the present mail problems. This is a big problem for anybody trying to resolve a dispute. There should be a way to email Experian with the problem I've encountered directly, but there is not. This has been an issue for a couple weeks now. It is as through they do not want the consumers supporting paperwork.You can attempt to upload something there, see how that goes for you. Experian needs to have a better way of submitting this, or they need to get their site working. I've recieved several error messages, saying I took to much time, that my PDF exceeded 15MB ( it was in the KB range ), that the system is down, and so on. different excuses on different days.
Consumer complaint received 2020-09-27
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- STUDENT ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act US Bankruptcy Court # 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 2018-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I have contacted XXXX XXXX using the CFPB PORTAL on XX/XX/2018 to validate a car loan and they have still not sent any paperwork to me to validate the debt according to the FCRA Furnisher XXXX ( a ) the furnisher have 30 days to validate a debt when requested by consumer or it most be removed if not validated in that time frame.Time frame has pasted 30 days Remove from my credit report immediately debt not valid.
Consumer complaint received 2022-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc. (GA)

I was seen at this dental agency in XXXX of 2016. I went in for a routine cleaning and the dentist reviewed my x-rays and said I would need a crown, so an appointment was set for a week later, XXXX 2016. I had dental insurance and was pre-approved for full coverage for the procedure. When I arrived the head dentist said he was not comfortable completing the procedure because I had a high risk XXXX and was was XXXX months pregnant at the time. Thus I NEVER HAD THE PROCEDURE they keep trying to have me pay for. I did not know the debt was owed until I was contacted by PDQ collections. I then called the dentist and they shared the dentist was no longer there and could not confirm and the debt had already been sold to a collection company so was out of their hand.
Consumer complaint received 2018-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

To whom it may concern : I have recently identified some fraudulent activity on my credit reports and have been inquiring from all current creditors validation of debt. I then looked at my credit report and began to suspect false information. Prior to checking my credit report, I offered the company Navient a settlement, to which they replied with a bill statement. I then looked at my credit report and began to suspect false information. At that point, I inquired for a validation of debt, communicating concerns. The company replied to me they had done an, " internal investigation and validated that I in fact owed them alleged amount. '' They did not send me a validation letter as requested. I am concerned that they are illegally collecting a debt from me, as I am a legal resident of the state of XXXX, and understand that in the State of XXXX, debts older than 6-10 years are no longer supposed to impact current credit standing. The alleged debt is from XX/XX/XXXX and I do not recall being the said party that signed on alleged debts and am simply trying to validate I am in fact the obligated party, with original documents with wet signature, and not being pursued for someone else 's debt/fraudulent activity. In XX/XX/XXXX, I was new to the state of XXXX, XXXX and starting school at a XXXX college. At that point anyone could have received my information and done illegal activity. I am now XXXX and questioning this validity. Last year, XX/XX/XXXX, they initiated a call with me stating, " you owe us money, we are a debt collector, it is in reference to your student loans, we want to help you, we will help you by putting you on a reduced monthly payment plan, but you have to do it now. '' So I agreed, understanding I was in default status with student loans and trying to do the right thing. However, now I am questioning the validity of all this. Again, if I am truly the obligated party and this is in fact my debt, I will continue to resolve alleged debt. However, the company is not confirming it is my debt, simply telling me I owe them money for a student loan with no original documentation of alleged obligation and reporting it to multiple credit reporting agencies. I have tried to contact them on multiple occasions and am now concerned that it is an infringement on my rights and the information is false, as it has not been validated, thus, negatively impacting my credit score and standing. Please help me resolve this situation and have this false report removed from appropriate records.
Consumer complaint received 2018-07-28
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. (MI)

I have gone through all three credit reporting companies : XXXX, XXXX and Experian. I have disputed all NON ACCOUNT HOLDING HARD INQURIES. Their response to me is " in the state of Michigan we do not have to investigate or remove them if you tell them they are not authorized ... '' I asked them if they have proof of my signature on file within their building and they just blow me off. They told me " I have have to contact each and every company on my own ... '' And so I have. Attached you will see all companies and correspondence if I have heard back from them. Still, with NO PROOF OF SIGNATURE STATING I REQUESTED CREDIT FROM THEM WITH MY HAND WRITTEN SIGNATURE-anyone can sign on to a computer and say they are me-THEY REFUSE TO DELETE THEIR INQUIRY '' XXXX XXXX has been the WORSE! I don't hold an account with them. I would never inquire to have an account with them and still they insist they do not have to remove my inquiry. 

I want all inquiries NON ACCOUNT HOLDING removed or I want XXXX per offense for defamation of character and for breaking the law.
Consumer complaint received 2018-07-28
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. (IL)

On XX/XX/2018, I have requested that Transunion investigate XXXX XXXX XXXX because I don't have an account with them. Their results indicated the account as verified. I spoke with XXXX XXXX briefly. I then told them that I have never heard of them. They have no Consumer Contract with my valid signature to verify this account. The Customer Service representative told me that they have my social security number as means to verify this account. I have been a victim of Identity Theft. My social security number could easily be obtained from the Dark Web. Transunion is allowing this company to verify my account using my social security number even though I submitted a written request requiring my creditors to provide physical verification. This is in violation of my consumer rights under section 609 of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-21
Product: Credit reporting 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: Experian Information Solutions Inc. (VA)

I have been attempting to freeze my credit with all three credit reporting bureaus. XXXX and XXXX were fine, I created accounts for them and froze my credit with them, no problem. Experian, however, has been an absolute nightmare. 

My issue has been that when clicking the confirmation code to create an account, it takes me to a blank screen. This would be an easy fix if I could get ahold of a representative. I can not. 

I have called every single phone number I could find on the Experian website, multiple times, and have never reached a live person. There is always a robot voice that either hangs up on me, or repeatedly states that it can not connect me to a representative. Yes, I am calling when their customer service center is open. 

This has been such a nightmare, I just want to create an account to freeze my credit and it is impossible. I have been trying repeatedly both today ( XX/XX/XXXXXXXX  ) and yesterday ( XX/XX/XXXXXXXX  ). Not being able to freeze my credit is such a huge safety concern for me. Connecting me with a live person really shouldn't be this difficult. If it was connecting with any other company, I already would have taken my business elsewhere. With credit reporting bureaus, however, I need to freeze my credit with all three bureaus to be safe.
Consumer complaint received 2018-07-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (CA)

I received an alert from my credit monitoring service informing me that I have two accounts in collections on my credit report from two different payday loan agencies. I contacted the agencies and they both stated that the accounts were opened in 2013. I have not heard from these agencies via telephone, mail or email. I have not been given an opportunity to dispute or confirm before they are added to my credit report as a collections. I have no recollection of opening these accounts but did move around this time and closed a bank account due to questionable activity after losing a checkbook. I have filed a police report in my city and reported the incident to my bank. But this was several years ago and I no longer bank with them. Both XXXX XXXX XXXX and CASHNET USA have placed collections on my credit report.