davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX sent me this so I'm trying to understand why is this still reporting on my file. 
We are writing in response to the above-referenced complaint. XXXX works for creditors as a third-party agent and legally relies upon the information provided. We do not own the account in question and never purchase debt. On XX/XX/XXXX, XXXX placed an account with us for collection or we would not have contacted the consumer. If the account was disputed or fraud was alleged prior to placement with XXXX, we were not advised. Prior to our receipt of this complaint, XXXX had already ceased collection efforts. XXXX received a XXXX XXXX XXXX complaint disputing the account. XXXX promptly ceased collection efforts and noted the account as disputed. XXXX obtained and mailed validation of debt, provided by the creditor, on XX/XX/XXXX. The documents were mailed to the address matching what is on this complaint. Despite sending validation, XXXX did not resume collection efforts. Any credit reporting provided by XXXX was deleted at that time. XXXX has closed the account in it system as disputed and it will be returned to the creditor. XXXX next received this complaint which suggests the possibility of fraud. If XXXX XXXX believes they may have been the victim of identity theft, we would advise them to complete the following process. Every creditor has its own required fraud process to permanently close accounts. XXXX requires a XXXX XXXX to be completed and returned to them directly by the consumer. Please ask XXXX XXXX to call the XXXX XXXX Department at : XXXX or visit : https : //www.xfinity.com/idtheftclaimform. Please let us know if we can be of further assistance. Thank you.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

For the past months I have tried to reach out to your company to have these items reviewed, investigated and removed - none of which you have responded with good concerns. I have been struggling with getting credit approvals because of this items reporting on my file, and I need you to remove them as soon as possible.
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AL)

I reported an unrecognized hard inquiry form Corelogic/Credco made on XXXX/XXXX/2016 to Equifax they responded that they verified the inquiry and gave me the company making the inquiry. I had no idea who they were or why a hard inquiry should be made. XXXX XXXX. XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX. I contacted XXXX on XXXX/XXXX/2016 and asked for proof or that it be removed. They stated that they would check the validity, I gave them the information they requested and after they looked it up they stated they had no record of any such an inquiry. I told them please remove it from my credit record. They stated that they could not find who had requested an inquiry, They wanted me to fax a copy of my credit report to them so they could check it out or they would not remove it. Of course I refused, I do n't know them, why should I send my personal information to them. 

I WISH MY RECORD CLEARED, PLEASE HELP! 
WHY ARE TOTALLY UNKNOWN ENTITIES PERMITTED TO DAMAGE GOOD CITIZENS CREDIT REPUTATIONS IN THIS MANNER? I THOUGHT THE C.F.P.B. HAD THIS UNDER CONTROL! WHY IS THIS PERMITTED TO HAPPEN??
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

Numerous times I have let Equifax know that there is a debt on my credit report that is not mine. I filed with XXXX also. XXXX corrected the mistake, but Equifax did not. I sent documents proving that it was not my debt. Equifax never changed the information. It was a situation where my father and I have the same name, but the debt is his. Now because of Equifax , I been turned down for a home loan three times.
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NY)

I have come to the conclusion that the credit bureaus are violating my rights under section 1681 and that they have received the following : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. I had previously sent my XXXX and XXXX rounds to the bureaus with no resolution, and round XXXX on XXXX/XXXX/15 and round XXXX on XX/XX/XXXX. I receive the same response each time saying " verified '', and yet section 609 ( c ) states that I am allowed disclosure of the documentation used to " verify '' the accounts. They refuse to provide the documents as well as their method of verification ; the results they send state that I can request such and then they deny this. The accounts I am disputing do NOT belong to me. In addition, there are multiple addresses on my file that do not belong to me ; therefore, I am positive they belong to someone who has used my information in one way or another. I have attempted to contact each creditor and have not resolved with them either. I am going to have to resort to suing the credit bureaus.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I have reviewed my credit report and it reflects correctly my good credit history. Yet my score has continuously dropped from around XXXX in XX/XX/2016 when we finished a streamline VA loan refi, to today 's score of XXXX. Nothing has occurred in my credit since XX/XX/XXXX that would warrent such change such as having late payment, missed payments charge off or court actions, etc. However, my credit score keeps dropping Asverse my lines of credit get reduced for having lower and lower scores. A catch XXXX, my score was dropped then my line of credit is reduced which drops my credit line. 
I would gladly pay off my credit as it 's not that much. Except for a little issue that started in XX/XX/2016 : My veterans educational benefits have been recalculate as a result of this the VA has determined they over paid my school. So, VA has withheld my pay in XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX, over {$8500.00} ( my school was only paid {$6500.00} ). I 'm just very confused by all of this. And still, I 've keep up on my payments. But this sliding score is causing a mess as we are trying to buy a home! I expect to see a score of XXXX any day now as time progresses.
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (OK)

I received notification from citi bank regarding my best buy mastercard being past due. Upon receiving this notice I checked my credit report which now shows a derogatory mark due to this account being 90+ days past due. I called the number provided on the letter & explained that I had not received any type of statements or notifications prior to this delinquent notice. My email was confirmed as I am setup on e-bill, however I have not received any type of statements regarding my account via email. I was being pushed to pay the balance of over {$150.00} due to late charges accrued on my account. I requested to know why I did not receive a notice when my loan become 30 days delinquent, to which I had no response. I was transferred to another department for 'resolution ' in which I was disconnected when the agent answered. I was advised by the prior agent that I could not make a payment online since I did not have my XXXX. He advised there was no way to reset my password without having my credit card. My credit card was discarded of to prevent use of this account. I am aware that an annual fee is charged and as a consumer I am responsible to pay, however it is the responsibility of the creditor to also notify the consumer of amounts due or actions that will be taken.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IN)

I was informed by some loan processors that I had an XXXX XXXX account that had an outstanding balance of {$9100.00} on my Equifax file. In XXXX I filed a complaint with the XXXX XXXX ( # XXXX ) listing Equifax failure to update my balance for this account to reflect the proper amount as provided via documents sent to Equifax. In my complaint I informed the XXXX that XXXX had deleted the item from my file. XXXX XXXX of Equifax informed XXXX that my Equifax account reflected the account as Zero as opposed to deleting the item. Equifax showed that I had a score of XXXX as of XXXX, 2016. 
The XXXX account in currently on Equifax file but not XXXX or XXXX and has been reinstated as me having a balance of {$9100.00} again. This done more than likely on purpose and under the direction of XXXX XXXX due to my XXXX complaint. Since then I also received a letter from XXXX advising my account reflects or should reflect Zero and that it has been reported as such to the credit reporting agencies. XXXX XXXX Contact is XXXX XXXX.
Consumer complaint received 2016-09-23
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc. (NY)

On XX/XX/2016 GM Financial was sent via certified mail a formal notice of dispute regarding the allege debt owed. On XX/XX/2016 a second written notice was sent demanding they cease and desist all collection activities pending validation and verification of allege debt owe. Both notices were received by GM Financial but they continue to harass i by sending emails and mails demanding payment without strict proof of its existence.This falls under laws of fraud and swindles. This company is in violation of federal laws and committing criminal acts against i. Furthermore the company refuses to validate the debt owed but has published with the credit bureaus deceptive, misleading, false, and negative remarks. Clearly this company does not believe in complying nor abiding by any federal laws- FDCPA and FCRA.
Consumer complaint received 2016-09-16
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (NV)

Today ( XXXX XXXX 2016 ) I received a bill from GM Financial for the amount of {$7400.00} due by XXXX XXXX 2016. I terminated my vehicle lease on XXXX XXXX 2016 due to a military deployment and turned it in that same day. I received an odometer disclosure statement slip from XXXX XXXX ( Customer Relations Manager for XXXX ) upon turning in my keys. I faxed proof of my XXXX to GM Financial along with the odometer disclosure statement. On XXXX XXXX 2016 I received a letter from GM Financial stating that my account has been paid in full. I also have a screenshot that I took of my GM Financial account website which also shows there is a zero {$0.00} balance owed. I checked my credit report today ( XXXX XXXX 2016 ) and on my credit report for all XXXX credit bureaus it shows the account as paid off with a zero {$0.00} balance.
Consumer complaint received 2016-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CT)

Our property tax bill was not paid by Santander even though we escrow our taxes and have more than ample funds in our account to pay the taxes. We are now faced with interest, penalties and a lien on our home.
Consumer complaint received 2016-05-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HANCOCK WHITNEY BANK (MS)

On XXXX XXXX, XXXX I was added as a co-owner on to my spouses checking account. 
Over time from then until now, I have been in contact with the Branch Manager, XXXX XXXX, on many occasions to request assistance with helping my account not get NSF charges. I have contacted XXXX by email, and still have all of these emails, if necessary. Today, again after my account has received NSF fees, I contacted XXXX again. She then proceeds to tell me that there is an " OPT OUT '' option, so when the check card is used and the funds are not available, the card will not be able to be used. 
My complaint is, that I have contacted XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX as well as numerous phone calls. I have explained to XXXX that we were experiencing a financial hardship, due to unemployment, again, on several different occasions and it was NOT until " Today '', XXXX/XXXX/XXXX that I am told that we have an OPT OUT option. Now it is my understanding that when my husband opened the account in XX/XX/XXXX he was given this form to complete. That is 3 years ago. 
Why was this never mentioned to us again. And I was added on the account XX/XX/XXXX, I was NEVER given this form nor was I given the option to OPT OUT, nor was it brought to my husbands attention at that time. The only suggestion made by XXXX was a Handy Line account. Which would be a LOAN. 

Please see all emails below regarding the " Opt Out '' Form XXXX, XXXX XXXXXXXXXXXX Tue, XXXX XXXX, XXXX at XXXX To : XXXX XXXX XXXXXXXXXXXX XXXX If you would opt out on this acct you would not be allowed to use your debit card if the money is not available. This would protect you from becoming overdrawn with the check card purchases not checks or an ACH.. 

From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Tuesday, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX Tue, XXXX XXXX, XXXX at XXXX To : " XXXX, XXXX XXXX XXXXXXXXXXXX XXXX Can you tell me how I can close this account? In the mean time, please " OPT OUT '' my account immediately XXXX, XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX Tue, XXXX XXXX, XXXX at XXXX PM To : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX I can email you a form that needs to be signed can you print, sign and email it back to me? 

In a previous complaint, this was the response from the bank. 
Your complaint alleges you were not aware of the ability to opt out of overdraft consideration ; however, our records indicate that an account in your name individually reflects an opt out election, advising the Bank not to consider paying items into overdraft ; this election was executed on XXXX XXXX, XXXX. Please see the attached detailed response. 

My dispute is that if I actually ever signed the form agreeing to " Opt Out '' and the bank had a record of this, why would she be offering to send me the form to sign.
Consumer complaint received 2015-11-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Brock & Scott, PLLC (TN)

Received a regular mail notice of foreclosure dated XX/XX/XXXX and XXXX XXXX, 2015 see : Attached pages XXXX. On the steps of XXXX XXXX Courthouse. I have no knowledge of this company nor do I have any business or contractual matters with this firm. However it has obtained some of my personal information which I gave no consent to do so, XXXX name included in this alleged claim is that of a deceased being. Pursuant to 15 U.S.C. XXXX and title VIII of the Fair Debt Collection Practices Act, I certified mailed a Notice to Dispute and Cease and Desist to senders see : attached pages XXXX, XX/XX/XXXX. Around XX/XX/XXXX again through regular mail, I received COPIES of requested information, request demanded according to law the original wet ink documents, furthermore even this copy of a copy has been altered see : attached page XXXX. The copies are not sworn to nor verified by any person making the alleged claim. Also to continue this deception on XX/XX/XXXX my personal property appeared in local newspaper, foreclosure/auction section. This has put harm to my reputation, sanctions shall be issued, chargeable on the Bond ( s ) of the " once verified '' parties making such fraudulent claims, all shall be fined for the actual damage cost and time that my family endured during this matter.
Consumer complaint received 2016-11-04
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Guidiville Indian Rancheria (CA)

In XXXX I took out a Payday Loan from Blue Hoizon Loans and they stated I would get {$50.00} off because of a Promotion they had. So my total loan was {$650.00} in which they sent me {$500.00} and if you take the {$50.00} off it would be a total of {$600.00} I would have to pay. This is what the CSR told me by phone. So for XXXX 2016 I sent {$300.00} and in XXXX 2016 I would send another {$300.00} but they are telling me I owe {$350.00} which they are putting the {$50.00} back on it is like they did not give the Promotion Fee what they told me. The {$350.00} is schedule to come out my checking account on XXXX XXXX, 2016.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-01-31
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

I 've been receiving a number of email from someone claiming to be associated with ACE Cash Express , Inc. A few were subpoenas to appear in court, and the latest is from a XXXX claiming that an arrest warrants has been issued unless I pay a settlement amount. The email includes such threats as reporting the case to my employer which WILL result in being terminated and blacklisted from any job. What a bunch of bogus. I do n't want others to fall victim to this obvious scam.
Consumer complaint received 2016-12-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA -they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2017-01-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NY)

This company is not being honest with me and is not posting my payments and them they charge me late fees. On XXXX XXXX, 2017 I made a payment of {$250.00} and XXXX XXXX XXXX, I was planning to make a payment of {$250.00} again. I went to see my acc and they are charging me dishonest late payments and they are not posting my payments on time. I have evidence that XXXX does send my payments on time I when I get pay. My payments are devided in half due to the fact that I get pay twice a month. Now they are charging me late fees when my payments are due every XXXX of the month.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Experian Information Solutions Inc. (CO)

I dialed XXXX by accident instead of XXXX. I thought I was calling Experian. I gave them my name and phone number before I realized something was fishy. They were trying to sell a credit protection plan across the XXXX credit reporting agencies. The man said he was XXXX XXXX and his direct number is XXXX XXXX. I do n't think I provided any other information, but now I am nervous.
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My wallet was stolen in late XXXX -XX/XX/2014 and a collection bill for XXXX , an auto loan from XXXX, and a XXXX Time Share installment loan are now showing to be in collections on my credit report and I have disputed this directly with the credit bureaus but I have had no success in having these items removed from my report. I am requesting that a further investigation into these claims against me be looked into again by the Consumer Financial Protection Bureau to protect my rights as a borrower and to exercise my rights under the Fair Credit Reporting Act.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion is listing the following account on my credit report : XXXX XXXX XXXX : Account Number XXXX This derogatory account reporting negatively initially went delinquent XX/XX/XXXX. Since that time the account has been listed as derogatory. The account should have been removed XX/XX/XXXX. 
However TransUnion refuses to remove this account. I requested copies of the payment history from the creditor, however they refuse to gather this. I have requested copies of the payment history from the creditor as well, and they refuse to furnish them to me. 
After several disputes, TransUnion is stating again that they have verified this information, however they have not. No PAYMENT HISTORY is reporting at all on this account. NO PAYMENT HISTORY has been furnished by the creditor. TransUnion is simply taking the creditors word for it. As a consumer, this is another case where I am being bullied by this company as they quickly report this erroneous information, yet refuse to thoroughly verify the accuracy. I advised a supervisor in the special handling department that TransUnion did not even properly handle this dispute and the supervisor told me they did n't have any control over that.