davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I have disputed this account multiple times with all the bureaus and XXXX its self. I have not received any kind of response concerning this account. The account is reporting as a collection with a balance that is not correct. This account was paid by another cellular company when I switched out contracts.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I have the credit bureaus to remove the citizens bank students loan off of my credit report and they refused I stated to them that I do not owe any money 's to citizens bank for a student loan which.have been verified by XXXX that I do not owe them any Money and they still have it on my credit report as well as money they alleging say I received from the bank on account I do not have
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

There are XXXX student loan accounts for my Daughter that i was a co-signer on. Both of these account were in collection. The agency that serviced these accounts was XXXX and they had written off both accounts in XXXX XXXX. Fast XXXX on XXXX/XXXX/XXXX XXXX ( XXXX bank ) was settled in full thru XXXX Bank. The XXXX loan on XXXX/XXXX/XXXX XXXX was settled in full XXXX XXXX XXXX XXXX XXXX offices who was contracted by XXXX XXXX XXXX contracted by XXXX XXXX XXXX XXXX XXXX to service their accounts. Since this this time I have been trying to get these XXXX accounts reported correctly on our credit reports. Thru numerous disputes dateing back a year or more i can say that this is a disaster. XXXX claims they have nothing to do with these accounts since they wrote them off in XXXX of XXXX yet they are the ones that have done the reporting and who the credit agencies contact for the dispute. XXXX has done another wonderful thing and that is they have XXXX account number for both of those accounts, which is the account number for the XXXX loan, but the XXXX loan is also under that account number But the actual account number is different. Now XXXX and XXXX have sent XXXX letters that these accounts are settled in full, but on our credit reports they are reporting that the Accounts are in collection with a balance due and a balance past due. TransUnion even has gone as far as on the XXXX ( XXXX ) of reporting balance XXXX, Payment received XXXX past due XXXX status in collection.Nothing like mixing the XXXX accounts together. I have sent hours i mean hours on the phone with the credit agencies particular TransUnion ( because on XXXX/XXXX/XXXX they finally were reporting correctly ... and changed back to reporting incorrectly on XXXX ). All the hours of phone calls and conversations to the credit agencies and to XXXX they absolutely refuse to report these accounts as settled in full. XXXX says they are reporting correctly and the credit agencies tell me they only report what is sent to them and do not have the power to change it. I have also have been told the proof of settled in full is not acceptable because the account numbers do n't match on the XXXX. As i said XXXX did a wonderful thing by listing both accounts under XXXX account number. And They wo n't Rectify that. I know these accounts were in collection and circumstances at the time led to the accounts going to collection. But when the circumstance changed, i made agreements and paid these off. I have worked hard to build my credit back up and my daughter is building hers, that without these XXXX accounts being reported correctly she ca n't buy a home, our insurance rates are higher etc ... We need help and XXXX and the credit agencies refuse to correct this. Your our last resort. 
thank you
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX, 2016 I checked my credit with XXXX XXXX and had a total of XXXX hard inquiries removed from my credit report. I checked my credit with XXXX XXXX on XXXX XXXX, 2016 and all XXXX hard inquiries were reinserted back on my credit report. Transunion never informed me that the XXXX inquiries would be reinserted. I did not receive any form of communication from Transunion as required by the FCRA section 611. I have been calling Transunion since XXXX XXXX and begging for someone to assist me. To no avail I have not received any assistance from them. I have requested to speak to a representative in the United States in the special handling or dispute department - received no assistance. Multiple agents have been belligerent, some have told me that they know there was a glitch but tough luck on me and I should file a complaint. As of yesterday, XXXX XXXX, I gave it a try again and still did not get any assistance.
Consumer complaint received 2017-02-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (CA)

We purchased a vehicle in XX/XX/XXXX. The financing was done through Ally Financial. i was XXXX in the XXXX until XX/XX/XXXX. In XX/XX/XXXX we moved back to XXXX. We updated Ally numerous times with our new address and phone numbers. In XXXX Ally repossessed the vehicle from our current address in XXXX but continued to send letters to XXXX. Because of that we never got any notification of anything. Once Ally sold the car, we never got a notice of deficiency. Now Ally has us in collections which should be illegal because we never had a chance to rectify the situation or even were aware of what was owed.
Consumer complaint received 2022-12-09
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. (OH)

They are reporting inquiries on my credit report that I DO NOT recall. Please provide me with documentation and proof I applied for credit with these creditors. If you can not provide such documentation, then please remove all these inquiries from my credit file immediately. Also there are alot of accounts that are being reported incorrectly. These accounts are showing past due and or charge-off/closed accounts. According to FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report and please provide me with a new credit report reflecting these accounts removed upon completion. LAW 15 U.S.code 1666 correction of filling error and LAW 15 USC 16816 Permissible proof of consumer report.
Consumer complaint received 2021-01-14
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. (SC)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.

I will also file with the CFPB and FTC! This is unacceptable! I will file a lawsuit if this is not removed within 7 days
Consumer complaint received 2017-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (TX)

In accordance to FCRA Section 609, these accounts was further disputed in XXXX XXXX. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these XXXX accounts to XXXX credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XXXX XXXX, XXXX and past 60 days when these accounts were initially disputed. Ad Astra Recovery Service has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, Ad Astra Recovery removed the XXXX accounts in question from my XXXX reports but still failed to remove the XXXX accounts from my XXXX and XXXX reports. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XXXX/XXXX/XXXX. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they deleted the items from XXXX report but not from the other XXXX credit reporting agencies. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why did they remove them from XXXX credit report ( XXXX ) and not from XXXX or XXXX? This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from Ad Astra Recovery with filing legal suit against them.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

This afternoon, I discovered unauthorized inquiries on my credit report and am unsure why they appeared. I routinely check my report, but this time, unexpected discrepancies surfaced. I even refreshed my browser, hoping it was a glitch, but the inquiries remained. Im extremely disappointed and frustrated and urgently request that my submitted documents be reviewed carefully to resolve this issue permanently.
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had disputed XXXX accounts in which one was an inquiry and the other was an account. This request was completed on XXXX XXXX, 2017 in which all of my hard inquiries were removed ( XXXX accounts including the one I was disputing ). I noticed however, XXXX hard inquiries were reinserted back onto my account without any written or literally ANY notification to myself. The only reason I discovered the change was because of I monitor my credit through XXXX XXXX and seen a severe XXXX point drop in my score. 

I reached out on XXXX XXXX, 2017 to TU and spoke with a rep name XXXX to explain the reason for my call and was immediately told I would need to purchase a TU credit report for {$9.00}. I explained again the reason for my call ( the deletion and reinsertion of the inquiries and the score drop ) in which he first admitted a system glitch had occured. When I questioned why I would be obligated to purchasing their TU credit report for a mistake they caused, he became defensive and claimed he never said there had been a glitch and directed me to contact the companies individually to dispute each inquiry. This was very heartbreaking and insulting. 

I requested his supervisor and was transferred to a woman who stated the glitch was being investigated and to check again in a week. I informed her the most recent credit activity I was looking at had been over a week since their glitch, with no changes to my credit score. She then informed me that I would need to purchase a TU credit report to see their findings in which I requested her superior. I began to lose faith in TU after this continued byt knew I had to stand for what was right. 

I was then informed I would be transferred to her supervisor in the US. The last rep I spoke with informed me that the deletion and reinsertion should not impact my score significantly and that I further investigate. Feeling as though I had struck a brick wall with each rep, I gave up and decided to reach out to you for help. 

If TU would have owned up to their glitch and provided me with written notification of what happened, I would have understood but to first admit it, then insult me by stating I was never told there was a glitch and try redirecting me to other parties while attempting to strong arm me into purchasing a credit report for a mistake that they made -- is UNHEARD OF and downright belittling.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX has my credit report as derogatory, yet the car was paid off, the last XXXX, via chapter XXXX and I then paid the last XXXX in XXXX bulk payment. Should the report state paid in full. It looks as if it was not paid off by me. Thank you
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX has listed an inquiry on my credit report on XXXX XXXX 2015 that was initiated from XXXX XXXX Apartments in XXXX, Virginia. I did not authorize this inquiry and would like it removed. I called XXXX but XXXX at XXXX refused to remove the inquiry, stating that only XXXX XXXX can do so. I had to sue XXXX XXXX for illegal actions and prevailed. I would like this inquiry removed.
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you
Consumer complaint received 2015-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX is reporting negative account information on my TU credit report. I am located in NJ, and the terms of my loan with XXXX XXXX far exceeded the maximum interest rate allowed in my state. Furthermore, since they are not licensed in my state, NJ specifically voids these types of payday/installment loans. The loan is illegal and should not be reported to my TU report at all. I have attempted to dispute this with TU already, but the loan came back verified by XXXX and TU will not accept any of my documentation regarding the complaints I made with my state. I even asked the rep at TU on the phone what I could provide as proof that the loan was illegal and she said " nothing ''. If it comes back verified, you have no option. Basically, I was directed to take my complaint to the CFPB. 

THE CFPB has filed suit against XXXX XXXX ( and companies like them such as XXXX XXXX ) that try to take protection under tribal law as the reason why they can operate illegally and harm consumers. XXXX of the last ways they harm consumers ( who have stopped the ACHs and closed bank accounts ) is by reporting negative information to credit reports to try to extort payment. 

I am requesting that the listing be removed and never reported again since it is illegal ).
Consumer complaint received 2015-05-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (TX)

i defaulted on a auto loan at ally bank on XX/XX/2013.i noticed recently that every 3 or 4 months they remove the negative entry off my credit report and a completely new entry with a small change in the balance will appear a couple of days later, sometimes only penny 's in difference. therefore restarting the time statutes back to seven years.they constantly do inquiries on my credit reports damaging my score.if the loan was charged of f on XX/XX/2013, why do they keep tinkering with dates, balances, etc.after 4 years in Texas they can not legally sue in court that is why ally bank keeps renewing the credit entry as a new debt with a new balance and a new time statute.this kind of activity does not seem legal to me.
Consumer complaint received 2023-08-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2016-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Management Group, Inc. (GA) (GA)

Was living in a home that was being managed by XXXX XXXX Rental Address : XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX we complained of smelling mold in the home. they had people to come out to try to fix the problem with no success. we gave them 30 days notice informing them we could not live in the home due to smell since we had children. they tried to make us stay until they found a new tenant. due to our safety we left after 30 days of finding a home and they put this on our credit without us knowing
Consumer complaint received 2016-06-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC (MD)

American Credit Acceptance and I had a car loan out, I then traded the vehicle in to XXXX XXXX XXXX in XXXX XXXX MD In XX/XX/XXXX. The dealership has since then made the final pay off amount to them and the continuously report that there is still a balance. the dealership sent the check via XXXX and gave me the tracking number of XXXX and the check has been signed for at their facility. I have disputed this for months and they continue to report. I have sent validation letters and made numerous phone calls. As of now they have my account in repo status and reporting as almost 130 days passed due. I have even faxed over trade in contracts from the dealership. I would like this removed form my account and the remarks to be cleared as well.
Consumer complaint received 2016-02-23
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: LJ Ross Associates (MI)

There try to collect a debt from XX/XX/XXXX from XXXX XXXX in the amount of {$280.00} .In XX/XX/XXXX hired a attorney to represent me and they ( My attorney ) are trying to collect for the collection agency. This debt is clearly pass statutory of limitations, So it should n't have been on my record let alone shared with this attorney.This is a Fraudulent act on both parties, Reporting attorney to the attorney grievance community currently in court about this matter.
Consumer complaint received 2015-05-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc. (AZ)

I paid an amount of {$350.00} to the collection agency and the collection agent stated would request the removal of debt from credit report but only reported debt as paid and will not have it removed ... collection agency did not do what was agreed to. then when I call back the supervisor was abrasive and rude and proceeded to hang up on me in mid sentence. I feel abused and lied to.
Consumer complaint received 2016-07-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bastion Consumer Funding I, LLC (TX)

I was paying a XXXX installment loan ON TIME when they suddenly said the account was defaulted and sold it to a collection agency who then took legal action and threatened a judgment on my credit report. I am now going to pay off the debt in a lump sum to avoid having my credit wrecked with a judgment.
Consumer complaint received 2016-12-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

PennyMac stole {$1700.00} out of my Escrow account. 
In XXXX 2016, my Escrow balance was {$770.00}. I made a payment of {$2300.00} into my escrow, and my real estate taxes ( {$1400.00} ) were paid this month ( XXXX 2016 ). I should 've had a remaining escrow balance of {$1700.00}, but PennyMac listed my remaining balance as {$15.00}. 
The problem has continued to compound throughout 2016. My XXXX 2016 Escrow balance should be {$2600.00}. PennyMac shows it as {$750.00}. There is a {$1900.00} discrepancy.