davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Account name : XXXX XXXX XXXX I am writing to formally dispute the late payment ( XXXX ) reported on my credit report for my account XXXX. According to my records, the following late payment ( XXXX ) were reported for the months of XX/XX/year> and XX/XX/year>. 

I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. 

Please respond to this request within 30 days, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to this matter.
Consumer complaint received 2018-05-25
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: AmeriCollect (MI)

XXXX and XXXX are not properly investigating the multiple disputes I have submitted via mail and by this agency. I have disputed the false and deceptive reporting of Americollect over 6 different times. This company is violating my right to a fair and accurate report and even reported back to the consumer that my complaint is FRIVOLOUS! This is a real and valid complaint. Americollect has not provided myself or any credit bureau Validation that I owe them ANYTHING. These are not my accounts and the credit bureaus are not investigating these seriously doing a careless job.
Consumer complaint received 2018-05-25
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. (MI)

Equifax and XXXX are not properly investigating the multiple disputes I have submitted via mail and by this agency. I have disputed the false and deceptive reporting of XXXX over 6 different times. This company is violating my right to a fair and accurate report and even reported back to the consumer that my complaint is FRIVOLOUS! This is a real and valid complaint. XXXXt has not provided myself or any credit bureau Validation that I owe them ANYTHING. These are not my accounts and the credit bureaus are not investigating these seriously doing a careless job.
Consumer complaint received 2018-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

There are 2 accounts included in this complaint. # XXXX for {$410.00} & # XXXX for {$370.00}. I don't know what the status is on both. These collection accounts appeared on my credit report recently out of the blue.account I have no knowledge them it all. Looks like they came from XXXX XXXX  and sold to this collection agency. I am filing a claim against XXXX XXXX as well. I received a notice from Resurgent Capital Services. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to Resurgent and XXXX XXXX on numerous occasions for both accounts asking for validation, original account level documentation. Every time what I requested was refused but Resurgent would send me a printout of incorrect information. I have NEVER did business with XXXX XXXX, but Resurgent is making it their business to pin this on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudulent. I have no idea when the original account close because I was never notified of anything from XXXX XXXX. I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record.

These accounts were actually with another collection agency. I sent letters for validation and they didn't have it so they sold the accounts to Resurgent. Which I believe is illegal because collection agencies can not buy accounts from other collection agencies.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NJ)

I've recently pulled my free annual credit report from XXXX. I've learnt that Citi Bank pulled my " hard '' report in XX/XX/XXXX. I understand that this negatively effect my credit score. I disputed this information via XXXX 's website. Upon receiving an email that my dispute was completed I called to find the results, since XXXX 's website wasn't working. I was told that I have to contact the creditor directly to dispute the information. I explained to the representative that I've tried but since I don't have an account with Citibank and I've never opened one - they won't talk to me. And in addition, XXXX released my credit information to Citibank without my authorization. Therefore, XXXX should be responsible for removing this information from my report. The representative said that she was sorry but she couldn't help me. I requested to speak to the manager, and once I did that the representative turn on the music and disconnected me.

I recall that in XX/XX/XXXX I attempted to apply for a credit card with Citibank, however I never gave them authorization to pull my credit report. They've sent me a Release Authorization form two times and both times they claimed I didn't complete it correctly so I gave up on them assuming that they won't pull the report without authorization. I've never received any other correspondence from Citibank. I don't have an Adverse Action letters or any other information required by the Fair Credit Reporting Act.

Please help me remove the hard inquiry form my credit report. Thank you.
Consumer complaint received 2018-05-25
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. (VA)

I have sent in several disputes with Transunion, for erroneous reporting and not investigating information properly, I have a account on my credit report, with XXXX XXXX. stating I filed chapter XXXX  Bankruptcy, I never ever filed Bankruptcy and this company and Transunion are getting a away with Fraudulent information, that is affecting my credit and stopping me from buying a house, attached you will find two documents from the pacer system for the state of NC and one for Nationwide results!
Consumer complaint received 2018-05-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (SC)

I called Ally Financial in XX/XX/XXXX to obtain my payoff amount. I wired the payoff amount through my bank. I have been waiting on my title and today XX/XX/XXXX, I received another bill for a another monthly payment but isnt due until XX/XX/XXXX. Its there mistake for not giving me the correct amount and I dont think I should have to pay this amount. Its absurd. They are a joke as to a finance company and I plan on suing them and my attorney will go after them for legal amounts that incrue for his time and any other fees that he see fit.
Consumer complaint received 2018-05-25
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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (CA)

- XX/XX/XXXX ; Ally Financial was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with Ally Financial Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; Ally Financial credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX Ally Financial sent confirmation mail, " Ally has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with Ally Financial discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
*Ally Financial sent confirmation mail, " Ally is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to Ally about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from XXXX , " Completed investigation of FCRA dispute - consumer disagrees '' OR XXXX XXXX , " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX  sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

Thank you!
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc. (GA)

A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX  XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.
Consumer complaint received 2018-05-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

I sent multiple letters to dispute the charges they had put onto my credit, and had asked for proof of everything that I received at the hospital and they did not provide me with any information. They kept telling me it was verified, and would not prove the accuracy of the information on my credit report.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Re : Courtesy removal from credit bureaus account XXXX XXXX XXXX XXXX, I am asking for a courtesy removal of the account : XXXX The purpose of this account with you, that I paid in full, was to increase my credit profile and score and its having the opposite effect its hurting it. 

For that reason I am asking you to completely remove it from existence in all my credit bureaus its located on. 

Attached to this complaint is : - drivers license - social security card - address - written complaint Please have this removed as soon as possible.
Consumer complaint received 2018-05-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I am not clear on the details of all transactions. I have been trying to reconstruct the timeline and have made calls to the companies numerous times inquiring about the changes to my mortgage, but they would not allow me to obtain them or outright lie to me. Someone refinances my house many times an it is not in foreclosure. Rather sold to my brother for a quarter of its worth with my signature giving him the gift of equity and purportedly giving me a right of refusal in two years.

Prior to this I paid all payments to XXXX XXXX, but apparently there were 2 separate mortgages on my house from two separate banks. Im still unclear exactly what occurred, but there were multiple transactions and I was unaware of them, nor did I benefit from them in any way. 

XXXX, an mortgage co I only learned of around XX/XX/XXXX appears to have had a mortgage on my house since XX/XX/XXXX along with XXXX XXXX. 

Payments appear to have been made to both banks, but Im unclear on how or what account they came out of. 

Whoever refinanced appears to have stop making payments or a time period elapsed Around XX/XX/XXXX and foreclosure proceedings were sent to me for different dates, times and places.

In response, I used Keep Your Home Ca to save my house when it was in foreclosure and my mother as POA helped me with all the details. Im learning now that both XXXX, Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, the mortgage broker and possibly someone very close to me all played a part in obtaining all such mortgage transactions as they appear to all be done online and use the same signature page of A GFE I initiated myself in XX/XX/XXXX. 

I have documentation of inquiries and now subsequent to the sale to my brother Im left with nothing. Not even the right of 1st refusal which would have allowed me to either repurchase my home of 17 years for what I sold it to him for, or it be sold and equity split between us fairly according to my years in the house, my gift being repaid and market value according to its unique value. 

Ive been given nothing, rendered homeless and have no recourse.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Experian is reporting a negative account from XXXXXXXX XXXX on my credit report. This account and balance do not belong to me ; it is a case of fraud or identity theft. I have attached Letter # 4 from XXXX XXXX, which confirms this and requests the removal of the account. Please remove this invalid account as soon as possible.
Consumer complaint received 2023-04-13
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)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please remove the account from my file : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I filed a complaint with the CFPB ( complaint # XXXX ) about inaccurate information on my credit report for Possible finance. Despite multiple attempts to resolve this, there are still negative remarks on my XXXX report, last updated in XX/XX/XXXX, and my Experian report, last updated in XX/XX/XXXX. I am requesting the removal of all negative remarks from this paid account, as this issue persists since last year. I've attached the latest credit report and proof that the account was paid.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-10-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC (FL)

For over a year I have requested American Credit Acceptance XXXX holder to release a title to XXXX XXXX XXXX XXXX XXXX XXXX for the purpose of registering the XXXX XXXX XXXX which is held as a lien with American Credit Acceptance. 
By law for a XXXX county resident in the state of Florida it is illegal parking a vehicle without proper registration in the street or driveway even if the vehicle is broken down and disabled to drive. I have sent XXXX written requests directly from the XXXX XXXXXXXX an agency that works with the data base of law enforcement to insure no criminal activity takes place when registering a vehicle XXXX XXXXXXXX according to their laws and regulations has issued me XXXX consecutive months of temporary registration and can not by its own law issue another one. I have sent the requests to the title department of American Credit Acceptance after speaking with XXXX and XXXX. Phone number XXXX. American Credit Acceptance XXXX holder has numerously disregarded the XXXX XXXXXXXX registration requests of sending the XXXX XXXX paper tile or electronic title and by doing so the XXXX holder placed itself in violation of Florida Law. A Florida resident must register a vehicle or the vehicle will be ticketed accumulatively and the driver will have tickets going against the Florida license ultimately leading to suspension of the Florida Drivers license. I have also placed several verbal requests with the lien holder without a positive result. It is obvious that the American Credit Acceptance is refusing to send the title by law to the XXXX XXXXXXXX because of XXXX reason only which is that I have stopped payments on the vehicle as I got sick and was hospitalized not being able to make a payment and the loan has been written off. I have provided the proper location of the vehicle which is not drivable and the lienholder American Credit Acceptance has failed to pick it up causing me legal ramifications as the unregistered vehicle is violating the city ordinance and costing me thousands of dollars in penalties. America Credit Acceptance should provide the title to XXXX XXXX  by law allowing me properly to register the vehicle so its legally parked and then American Credit Acceptance could still pick the vehicle up as it sits broken down. I am respectfully asking for help for the Florida law to be respected even by as huge landing institution such as American Credit Acceptance as no one should be above the law. If I can not resolve the issue of the title to be send to XXXX XXXXXXXX by XXXX XXXX XXXX to further protect myself from being penalized by XXXX XXXXXXXX XXXX assigning tickets to the illegally parked XXXX XXXX XXXX by not having up to date FL registration, I will have no choice but to file a complaint with the proper courts of jurisdiction to decide on this matter.
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stuart-Lippman and Associates, Inc (FL)

XX/XX/2014 a collection for {$12000.00} was placed on my credit reports from an unknown collection company. I have no contract and not indebted or owe Stuart Lippmann anything. I had not signed or renewed a lease with the original creditor for many years. This debt was placed fraudulently on my credit report and it needs to be deleted off immediately.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There are several things wrong in my credit reports but there are 2 that bother me the most. The first one is that I XXXX my daughter XXXX XXXX XXXX after her biological father gave up his rights. My ex wife divorced me and I got stuck paying what should have been his child support to pay. I understand I am responsible for my XXXX  daughter but I disagree with reporting my child support payments to the credit bureau. That is personal information and is not a loan and people mistakingly misjudge my character when I am the one that stepped up and took responsibility.

Also, I am an XXXX XXXX  veteran having served 8 years in the XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I recently had to file for chapter XXXX   bankruptcy because there is so much stuff on my credit reports that is over 7 years old that is confusing when I go to buy a car or apply for a mortgage. American consumers are not getting the protection against financial powerhouses that they deserve. The average American cant afford to hire an attorney and get incorrect credit issues removed. There should be more in favor of the consumer instead of the incorrect information that big data wants to keep on us. Give consumers a break and crack down on XXXX, Transunion and XXXX. I had my bankruptcy discharge and it says it wont fall off until XX/XX/XXXX. I am not a billion dollar corporation just a hard working American. Help
Consumer complaint received 2018-05-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc. (MN)

I have a XXXXXXXX XXXX XXXXXXXX XXXX reporting on my credit report twice and it's showing as a duplicate. This needs to be removed off all 3 credit bureaus immediately as this is affecting my credit score negatively.