davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (TX)

On XX/XX/XXXX, I received a notice of an update on my XXXX credit report of a new collection account in the amount of {$1300.00}. The collection agency was listed as Vance & Huffman , LLC with no indication of the original creditor. I immediately called the creditor and was only provided the option to leave a voicemail with no indication of when a return call would be made. 

This morning, after an additional review of my XXXX and XXXX reports, it was associated with XXXX XXXX. I attempted to contact XXXX XXXX from contact information on their website and was I was on hold awaiting a response and then the line disconnected no fewer than three times. 

I was able to get into an account that I did not recall setting up under my email address and found that a loan was taken out in the amount of {$870.00} in XX/XX/XXXX. The account showed a record of cleared payments totalling {$1000.00} ( well over the amount that was funded ). Additionally, there showed a record of 4 cancelled payments in the amount of {$1000.00}, nearly the same as the amount originally showing cleared. This account should be showing as paid.
Consumer complaint received 2021-12-30
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: WELLS FARGO & COMPANY (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( XXXX XXXX XXXX XXXX The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

In XXXX of 2021, I was told by an associate at XXXX XXXX XXXX XXXX that since my car was at the end of terms, they would extend my payment as a courtesy over the next five months to pay the remaining balance of XXXX. I continued to make my payments since I was told when I extended my payment that it would just extend my loan, not that my loan would be treated as late at the end of the term. In XX/XX/2021, XXXX XXXX XXXX XXXX reported my account as 30 days past due, without my knowledge. When I asked them for any documentation, they explained that they didn't have any on record. Then they backtracked and said as a courtesy and said they would put me in their payment plan, but they had already reported me as late. I have all the receipts of my payments for each month. This past due on my credit history will affect my financial health due to misinformation from their representatives and treatment of customers.
Consumer complaint received 2021-12-30
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. (WA)

In XXXX of 2021, I was told by an associate at XXXX XXXX XXXX XXXX that since my car was at the end of terms, they would extend my payment as a courtesy over the next five months to pay the remaining balance of XXXX. I continued to make my payments since I was told when I extended my payment that it would just extend my loan, not that my loan would be treated as late at the end of the term. In XX/XX/2021, XXXX XXXX XXXX XXXX reported my account as 30 days past due, without my knowledge. When I asked them for any documentation, they explained that they didn't have any on record. Then they backtracked and said as a courtesy and said they would put me in their payment plan, but they had already reported me as late. I have all the receipts of my payments for each month. This past due on my credit history will affect my financial health due to misinformation from their representatives and treatment of customers.
Consumer complaint received 2019-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Arete Financial Group (AZ)

Arete Financial Group has been taking money for Student Loan Forgiveness and has not been using it to pay my student loan debt. I recently got an email from the Federal Trade Commission v. American Financial Support Services Inc., et al.

Here are the email contents : The lawsuit Federal Trade Commission v. American Financial Support Services Inc., et al. 
***Do not REPLY to this email. If you have questions, send them to XXXX. 
You appear to be a customer of one of the student loan debt relief companies identified below. These companies have been sued by the Federal Trade Commission for deceptive practices and taking unlawful advance fees. The Court has appointed a Receiver who has suspended the companies operations. 
We recommend that you immediately contact your student loan servicer about the status of your student loans. A list of approved student loan servicers can be found at the U.S. Department of Education Student Loans Website : https : //studentloans.govXXXX 
The Receivers office has set up a webpage with additional information about the lawsuit. XXXX XXXX XXXX We will post updates on the website as the case proceeds, and you can also review a list of Frequently Asked Questions ( FAQs ). The Receiver receives many emails with questions from consumers. We can not respond to each inquiry separately but will update the FAQS as questions come in. In the meantime, we again stress that you should contact your loan servicer The Companies which have been sued : XXXX XXXX XXXX XXXX XXXX ; Arete Financial Group, also doing business as Arete Financial Freedom ; Arete Financial Group LLC ; XXXX XXXX XXXX, also doing business as XXXX ; XXXX  XXXX XXXX , also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX , also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX , XXXX , formerly known as XXXX XXXX XXXX XXXX XXXX and also doing business as XXXX XXXX XXXX and XXXX ; XXXX XXXX  XXXX XXXX , XXXX .
Consumer complaint received 2021-12-30
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. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$120.00}, XXXX XXXX XXXX XX/XX/XXXX {$1700.00}, XXXX XXXX XX/XX/XXXX {$51.00}, XXXX XXXX XXXX XX/XX/XXXX {$380.00XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00}. Inquiry : XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-12-30
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. (WA)

In XXXX of 2021, I was told by an associate at XXXX XXXX XXXX XXXX that since my car was at the end of terms, they would extend my payment as a courtesy over the next XXXX months to pay the remaining balance of XXXX. I continued to make my payments since I was told when I extended my payment that it would just extend my loan, not that my loan would be treated as late at the end of the term. In XX/XX/2021, XXXX XXXX XXXX XXXX reported my account as 30 days past due, without my knowledge. When I asked them for any documentation, they explained that they didn't have any on record. Then they backtracked and said as a courtesy and said they would put me in their payment plan, but they had already reported me as late. I have all the receipts of my payments for each month. This past due on my credit history will affect my financial health due to misinformation from their representatives and treatment of customers.
Consumer complaint received 2022-05-26
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. (MI)

I was not satisfied with the result I got from my TransUnion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information removed or have anyone from TransUnion contact me about the status of my concern. Here is the incorrect information that I am trying to dispute : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Real Time Group, Inc. (FL)

I have a second mortgage that is about paid for and than on the statement 2 new amounts started showing up on the statements, one called deferred amount for {$1300.00} and one for fees and charges in the amount of {$620.00}. 
This loan was started with XXXX XXXX  and then sold to XXXX and now Real Time Resolutions. For about the last 6 months these would show up on the statement I would call Real Time Resolutions and question what and were did they come from with no answer. The following month the fees and charges would be remove only to reappear the following month. I called XXXX and they discovered these balances were added on XX/XX/2008 when they assumed the loan but could not answer what they were for and suggested I notify consumer finance.
Consumer complaint received 2016-03-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Weltman, Weinberg & Reis Co., L.P.A. (IL)

Weltman Weinberg and Reis is showing up on my credit bureau and they are claiming that they represent XXXX XXXX XXXX which was as loan provided by XXXX in 2005 that I claimed chapter XXXX on. The statue of Limitations is really up and XXXX XXXX XXXX is no where to found anymore. The attorneys office is just a collection company and they wont provide any info on XXXX XXXX.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive contacted TransUnion XX/XX/22, XX/XX/22, XX/XX/22 and XX/XX/22. I informed the representative that the account does not belong to me and the social security number or name does not match mines. I also contacted the original creditor and they confirmed the information does not match mine. The account remains on my TransUnion Credit report. 
XXXX XXXX account does not belong to me. 

I contacted TransUnion XXXX XXXX XXXX account. This account does not belong to me. The ss # does not belong to me. TransUnion refuses to remove it from my credit report. This account are preventing me from getting credit approvals.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2021. My XXXX account was hacked the person changed my password and email and I no longer had access to my account they were posing as me posting scams that they were giving money away for XXXX. I XXXX  the phone number for XXXX help I called the number and thought I was speaking with XXXX they had me install an app called XXXX on my phone and home computer they said they had to secure my account because I had purchased items on marketplace so they said I had to log in my bank account and they XXXX money out of my account. XXXX XXXX XXXX XXXX and took out a standby loan for XXXX. They said they would call the next day with my new password for XXXX when I realized what had happened I called the bank. I filed a police report. And these people sent text messages posing as they were XXXX saying kindly call them if I wanted my XXXX back I have the text messages. I dont know what more they would need. As these people clearly stated they took my money. I am a single mother and live by a budget that was all my money I dont have rent money now and I dont know what Im going to do. I have never XXXX any large amounts of money ever .I have been a Huntington customer for quite sometime they can see my account and transactions.
Consumer complaint received 2021-07-01
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)

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9500.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$7500.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9100.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3100.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$3800.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$8800.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$6100.00} )
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (NV)

In XXXX I had a loan through XXXX XXXX. Due to the high interest amount I was not able to pay off the debt completely. NCA recently purchased the debt and reported the debt as opened in XXXX. I have contact NCA and XXXX XXXX. NCA was not able to assist. I have disputed multiple times and had the account removed completely. NCA places the balance back on my account with the wrong opened date. This caused me to be denied for a recent loan because the open date was too soon. They refused to update the information to the correct opened date.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2021-12-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION (VA)

My PENFED XXXX is paid in full each month. There is AUTOMATIC AUTO PAY that no one has seemed to be able to see or REMOVE that assumes a minimum payment will be paid WHEN IN FACT, the whole amount in full is paid. Based on this, the auto pay prevents me from paying my account off in full by the due date as it states, you have already made a payment. Therefore, I have had to pay my account in full the day before it is due. Thus, making the assumed interest assessed by the AUTO PAY incorrect. Furthermore, PENFED accounting, each month shows inconsistent calculations for the daily rate of XXXX for the loans that have been taken.
Consumer complaint received 2021-12-30
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)

On XX/XX/2021, I contacted XXXX XXXX XXXX in XXXX, XXXX for financing and purchase of vehicle. 
I spoke with sales Rep. XXXX XXXX and Finance Rep. XXXX. 
Prior to submitting my application and running my credit profile, I was VERY SPECIFIC AND ADAMANT regarding XXXX XXXX RepsXXXX and XXXX XXXX NOT making more than ( 2 ) HARD INQUIRIES to my Equifax profile account. 
Too many hard inquiries 'lowers ' one credit score.

Prior to running my Equifax credit profile I explained that I had a credit FREEZE OR LOCK on my account and would have to have it removed. 
After removing the credit lock and allowing XXXX XXXX to access and perform the credit screen, I was told afterwards that ( 10 ) INQUIRIES TOTAL were made.

I was furious with Rep. XXXX saying, " This is misrepresentation and FRAUD, you have ruined my credit score! '' " You didn't do what I asked of you! '' I would also later discover that XXXX XXXX had tried to access my XXXX Credit profile as well but it too was also locked, denying them access. 
There needs to be nationwide government regulations on how many times one ( 1 ) car dealership can " FISH '' around a consumers credit information to different lenders. 
These several actions definitely have a adverse or negative impact on one 's own credit profile and score. 
I DID NOT GIVE CONSENT TO XXXX XXXX TO HAVE MY CREDIT 'FISHED " AROUND.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION (OH)

There is a theft belonging to a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Ohio that is not me on my credit report. My name has never been XXXX XXXX and I have never been charged with theft nor lived at that address. Thank you!
Consumer complaint received 2021-12-30
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: Experian Information Solutions Inc. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XXXX XX/XX/XXXX {$520.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX {$1800.00}, XXXX XXXX XXXX XX/XX/XXXX {$2900.00}, XXXX XXXXXXXX XXXX XX/XX/XXXX {$4000.00}, XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$6100.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX {$3200.00}, XXXX XXXX Bankruptcy XXXX XX/XX/XXXX {$0.00}.
Consumer complaint received 2019-12-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc. (PA)

For the last 6-8 months a phone number, XXXXXXXX, identified as "National Enterp" calls our landline phone twice a day.  We have tried to answer this call to tell them not to continue calling but no one ever responds no matter how many rings we allow before attempting to answer.  The calls come just before XXXXXXXX XXXX. EST and, again the same day just before XXXX XXXX. EST.  If the answering machine picks up there is no message left.
We would like them to stop the repeated calls and hang ups.
Consumer complaint received 2021-12-30
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: McCarthy, Burgess & Wolff, Inc. (IL)

This company was assigned the XXXX XXXX account that was written off that I was not notified of. I never received a notice from XXXX about a final bill or anything of that nature. Furthermore when I received the letter just this week it was purposely mailed without my full address including the account number so it was just sitting at the main inbox for weeks before it was assigned to my mailbox which I feel is a purposeful neglectful act to slow down the dispute process.
Consumer complaint received 2019-12-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Goal Structured Solutions, LLC (NE)

Continuing to attempt to collect on a debt that was discharged in a chapter XXXX bankruptcy 3 years ago.Was an ineligible student at an ineligible school that is not accredited in the United States. This makes the debt dischargeable in bankruptcy. Company has been notified multiple times of this fact and continues to attempt to collect. The company is NOT a nonprofit. These facts in place means the loan is able to be discharged in bankruptcy. They continue to report negative information on my credit report denying my right to a fresh start and causing much distress
Consumer complaint received 2024-04-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC. (VA)

Failure of Ally to acknowledge receipt of payments sent via certified mail.Unlawful repossession of the vehicle without prior notice.Lack of transparency and refusal to communicate regarding the whereabouts of the repossessed vehicle.Certified mail receipts & proof of delivery for both payments.Records of communication attempts, including dates and times of phone calls.Notarized copies of all correspondence sent. Administrative process was done with notary.Subsequent inquiries about the location of my vehicle have been ignored, and they have refused to disclose who currently has possession of the vehicle.