davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (AR)

In my effort to improve my credit score, I learned credit history is vital. My landlord and I are trying to get my rent payments for the last 14 years along with three major purchases they financed for me on record. The rent solution recommended by Experian is only willing to start from this point and go forward. They won't provide us with another direction to go. Please help me by referring companies who can get this history included to me. This will go along way in raising my credit score. I've enrolled in XXXX to further my education. I am also moving and need a much better credit score to obtain the funding available to me to enable me to return to my home town. How can I get my payment history on record? Please advise.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX XXXX, above, this item was PAID and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies sent to all 3 credit reporting companies, above. ACCOUNT CLOSED 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NATIONWIDE ACCEPTANCE LLC (CT)

I was denied a employment opportunity due to a charge off item as Bad Debt in the amount of {$8300.00} I contacted the creditor to arrange a payment plan. They refund to enter into an amount or agreement with me. Full payment was requested only! 

They have refused to enter or offer any repayment agreement with me for the balance other than full amount now!. This has resulted in a major job lost opportunity. 

Please review letter of explanation below. Request for payment schedule. 

OMB # XXXX
Consumer complaint received 2019-06-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OK)

I attempted to dispute two items on my report that are showing as collections. The number of questions required to answer is significant, but I can appreciate the length they go through to protect the PII of the consumer. However, the answers to the questions that I had given were accurate and I was denied the ability to dispute online. Same process over the phone, correctly answered the questions asked and was denied access. 

The creditor finally reported the account as closed but Equifax still shows it as a collection. In addition, they have a reported collection with NO information about the creditor. I've tried to dispute this and have run into brick walls in an effort to get it resolved, in this case I'm just trying to assess who is the original creditor so I can satisfy the debt. Also, Equifax reports medical debt from a collection agency that has been sanctioned by the CFPB and FTC for their practices in collections and reporting. Most of that debt has been in dispute with the hospital and my insurance but the collection agency disagrees. My suspicion is that Equifax has allowed creditors to " re-age '' old debts in order to allow it to stay on my report, which is a violation of the law. 

Each of the three bureaus also offshore all their call centers to XXXX which is a joke considering that they are supposed to protect PII of the consumers and this is a very un-secure way to engage with consumers.
Consumer complaint received 2019-06-13
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. (MN)

XXXX / Equifax filing this complaint due to the fact that you are in violation of the FCRA XXXX   XXXX is reporting charge off on your reporting with a balance {$5500.00} ON Charge off accounts there should be no past due payments please delete immediately and send a updated credit report XXXX did delete this account for violation of the FCRA Equifax also you are reporting date of first Delinquency as XX/XX/18 But if you look at XXXX report attached they are showing a Ok for payment so this inaccurate XXXX You are reporting missed Payments There should be no missed payment on a charged off account XXXX you are reporting a ok payment on XX/XX/2018 as Equifax is showing date of XXXX  delinquency for XX/XX/18 inaccurate reporting
Consumer complaint received 2019-06-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (TX)

I purchased a vehicle back in XXXX XXXX, with a down payment of XXXX. I have been having problems with mold growing on all the carpets of the vehicle and I already had to pay XXXX to replace the evaporator core that was leaking which the dealership notified me that it was not covered, also having A.C problems. They A.C will not get cold and back under the front seats the bracket that makes vehicle move forward and back is all orange and rusted which gave me a clue that this car was in a flood. I also tried to trade in vehicle which they would not approve me for another vehicle. I took some time to research the vehicles VIN # and found that this vehicle was in the hurricane Harvey flood back in XXXX   which the dealership failed to disclose this information to me. Now I'm stuck having a 7.5 year loan paying almost 28000 dollars for a vehicle that's already breaking down because dealership did not notify me on the condition of the vehicle
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This collection is paid off and I should not owe any balance on this. This should be deleted off of my account, I have already paid it.
Consumer complaint received 2024-08-15
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. (NC)

I have already filed a complaint with the three credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life
Consumer complaint received 2019-06-14
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. (MO)

I Have contacted them about validating a bankruptcy on my credit file, they came back verified, So i went to the us federal court and asked did verified the bankruptcy and they said they did not and never do verify bankruptcy. I then contacted the third party company they use and they said the same thing plus my file was frozen with them so they dint. According to FCRA they have to be able to verify all account on my credit report and supply me with how and the information they verified. They lied and has not giving me the information about this and or in violation of my rights, i want to settle this with having to involve the court.
Consumer complaint received 2019-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (DE)

Needed a car loan following current loan with excellent interest and payment options car was to be totaled multiple repairs 5 months later XXXX XXXX totaled the current car when got into current loan for used car interest as well as payment increased was told for one yr then could return to reg interest as well as normal payments like I had.. now in this loan 2 1/2 yrs to be told interest to high car not worth a third of loan amount still owing on a vehicle needed after 5 months of XXXX XXXX and XXXX taking months to total a flooded vehicle I was forced into this horrible loan due to desperately needing a car for work life job and all was in jeopardy please help need a new car loan with terms that can afford as well as decent interest noooo reason to force me back into the worst loan ever now told nothing I can do please help
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I had an issue with my Mortgage company XXXX XXXX bank which is now XXXX reporting a late payment in XX/XX/2017 which was inaccurate, I received a letter from the mortgage company saying that they sent in to all three bureaus to fix the derogatory remarks. Yet I see Transunion and XXXX  is still reporting this under the XXXX. This is inaccurate.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AZ)

On Wednesday XX/XX/XXXX, I saw a post on XXXX for XXXX XXXX XXXX XXXX tickets. I contacted the seller and she told me the tickets were still available. She asked if I had a XXXX account to be able to accept the tickets, which I do. She then asked if I have used Zelle before thru my bank. I have used it 1 other time for sending to a family member. We agreed on a price for the tickets and she told me they were ready to be sent to me thru the XXXX online ticket exchange. I authorized the payment and she told me the tickets were on the way. After about 10 minutes of not seeing anything, I contacted the seller and she went dark. No answer, no response and the phone was turned off. I immediately contacted Zelle to stop the payment and was told be their customer support that I would need to contact my bank directly and they have nothing to do with the transaction. They also told me, well this app was designed to pay only friends and family and shouldn't be used to pay for goods. There advertising says something different. I immediately contacted my bank, XXXX XXXX, and was told that the transaction already went thru. There is nothing they could do. With the hype of the sporting event, I guarantee she scammed several people, without any action taken against her. The thing that really makes me angry is they have her name, phone number and bank account but yet will do nothing about it. I am out {$430.00} from this incident and will never even consider using their service ever again.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX # XXXX is reporting a balance I do not owe. This collection is paid and should not be reporting to my credit. I would like this to be deleted off of my credit as it is paid and should not be showing up.
Consumer complaint received 2019-06-14
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: EQUIFAX, INC. (CO)

There is a consumer statement on my Equifax report regarding XXXX XXXX. 

I have never made such a statement and have no idea where it came from. 

Ive tried multiple times both online and over the phone to have it removed. It has been removed by Equifax once, but somehow it has reappeared on my credit report again. 

Im requesting that this consumer statement gets removed permanently. I do not wish to have a consumer statement on my credit report.
Consumer complaint received 2024-08-15
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. (CA)

In early XXXX, I discovered an unauthorized hard inquiry on my Equifax credit report from XXXX XXXX XXXX XXXX dated XX/XX/year>. I have never had a credit card account with XXXX XXXX XXXX XXXX, nor have I authorized any credit inquiries from them. This unauthorized inquiry is damaging my credit score and is a clear violation of my consumer rights. Despite initial removal, the inquiry has reappeared on my report.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX/XXXX  - partial account number XXXX. ( Please see pages 43 and 44 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-06-11
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: Choice Recovery, Inc. (OH)

I found this unrecognized account CHOICE RECOVERY INC # XXXXUnder the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

I did a agreement for {$1000.00} I have 6 payments of {$180.00} in change I already made 2 payments in currently have 4 more payments but on my report its showing another amount thats incorrect. That account is not delinquent if Im paying on it
Consumer complaint received 2019-06-12
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. (NJ)

Ive sent a reinvestigation to Equifax and requested verification of the Bankruptcy listed on the account, on XX/XX/2019. They had 15 days under the FCRA 611 to complete the verification. This included who they spoke to at the Courthouse, not a third party verification, as I am entitled to by law. Ive contacted the courthouse and they do not verify such personal information. I also submitted proof that their alleged third party verification did not match to me, as there were two individuals with my name and initials an not one address on the XXXX  full report matched mine. They claimed my social and ID were not visible, although I've sent it several times, including with my original dispute. I resent the documents to which they said they received them via USPS mail on the XX/XX/XXXX and it will take 7 calendar days. There is no update and it has not been corrected. This is preventing me from applying for certain financial aid as well as causing a great harm to my credit score. I am demanding this be fixed immediately.
Consumer complaint received 2022-09-13
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. (GA)

Ive submitted documentation to XXXX XXXX, XXXX, Equifax and XXXX indicating that there is a bankruptcy listed on my credit report ( s ) for which is inaccurate. Ive contacted the court for which they have claimed to receive documentation from who denies any information pertaining to a bankruptcy under my name is accurate. This documentation was submitted to the credit bureaus and XXXX XXXX. Ive tried disputing the bankruptcy numerous times for which they have failed to remove it and now I shall take legal action.
Consumer complaint received 2019-06-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

XX/XX/XXXX I got a loan from Sallie Mae for XXXX. Its now XXXX and I still owe XXXX. Ive paid this loan 2-3 times over. The year XXXX, I scheduled for the loan company to take money out weekly for every time I get paid. I paid {$3300.00} ; which is on my tax information. I went on Navient which has my loan now and looked at the life of the loan and the information does not match up with my actual payments. According to Navient I paid a total of XXXX, which is in correct. It also had late fees that were doubled and I was making payments sometimes on the same day as the payment was being removed from my account. On XX/XX/XXXX, I requested all payments from this loan and my contract. I was told it would be sent out. Im concerned that my payments were misappropriated and late fees were being charged, when I was making payments and Im being overcharged when my loan should have been paid off a long time ago.
Consumer complaint received 2019-06-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ORG GC GP BUYER, LLC (IL)

I called GC Services on XX/XX/2019 at XXXX hrs and spoke with XXXX. I attempted to make a settlement with payments for {$4000.00}. XXXX explained that I could not do that and he needed full payment immediately. I explained that I could not afford to pay the amount in full but I could make payments of {$100.00} per month and make settlement arrangements in XXXX when I received my military sign on bonus. He said he could not accept this arrangement. I asked for the payment address so I could begin mailing in payments. He said that I could not mail in the payments. I asked again and he said that he could give me the address but they would only accept payment in full. I asked again for the payment address and he refused to give me the address.
Consumer complaint received 2019-06-12
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. (GA)

did not appy for credit was a hard inquiry please remove from credit report. went to apply for company credit only found out that I had to have my credit pulled after it was done in the process of buying a home.
Consumer complaint received 2019-06-11
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. (GA)

XXXX XXXX Reported : XX/XX/2019 {$230.00} XXXX XXXX Reported : XX/XX/2019 {$130.00} There are no contracts, no valid claim ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2019-06-11
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: IQOR US INC (TX)

I assume this is a debt collector because of the repeated calls. They call relentlessly, and have called 3 times before XXXX XXXX. The company name is Allied Interstate LLC. In the next section it asks for the account number or the last 4 digits of my social security number. It kept rejecting the last 4 of my social and I have no idea what the account number would be.
Consumer complaint received 2019-06-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (VA)

This number keeps calling over and over and over again without leaving any kind of message at all. They even call us on Sunday. They have called 4-5 time within about 15 minutes. I don't know what they want because of not saying anything and hanging up just as soon as the answering machine gives the reply beep. I'm tired of getting these calls. 

I have never gotten a bill or anything from them. I never heard of them until they started calling me about a month ago.