davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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)

On Tuesday XX/XX/2022 I called into Experian regarding a bankruptcy listed on my credit profile. I inquired about any background information surrounding the account in question. The person I spoke with asked if I wanted to submit a dispute over the phone. I replied no and that I would call the court listed and try to gather more information. Not too long after we got off the phone, I received an alert from Experian stating that a dispute had been opened. I did not authorize this dispute via phone call. I immediately called back and explained the situation. The guy I spoke with said he would cancel the dispute, instead I received another alert stating that the dispute investigation was complete and the account had been verified as accurate. How was this account verified as accurate in a matter of an hour? I have been going through this with Experian for a long time now, and at this point I'm afraid that any further disputes will be labeled as " frivolous ''. Not only is Experian violating my consumer rights to proper reporting, they are also refusing to provide proof and in this case, conduct a proper dispute investigation. I did not authorize a dispute over the phone, nor did Experian conduct a proper investigation. According to the FCRA, proper dispute investigations are done within 30-45 days. This " investigation '' took one hour.
Consumer complaint received 2022-07-27
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. (IL)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XX/XX/2019 XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$320.00}
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (ME)

Credence Resource Management XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Alleged Balance Owed : {$52.00} Original Creditor : $ XXXX XXXX
Consumer complaint received 2022-07-27
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. (TX)

I disputed several student loan accounts on my Experian credit report that shows student loan accounts that have been paid in full but are showing up as currently active and in collections. Experian is reporting this inaccurate information to third party companies providing background checks for landlords causing me to be denied as a potential tenant because all these accounts are reflecting delinquent payments. The dispute I filed did nothing to correct the inaccurate information which still remains on my account continuing to cause harm. This has not only impacted my credit score but also my ability to provide a home for my offspring. I was contacted by XXXX whom I also filed a claim against and they disclosed to me that they received information from Experian as part of my background check that had showed my paid loan accounts as active and delinquent debts.
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it is said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said that you have XXXX days to complete this investigation. Please Investigate the following accounts and remove them if anything is missing or incorrect on them. 

I demand the following accounts to be verified or removed immediately. 

Acct Name : XXXX XXXX ( {$1500.00} ) Acct number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

Acct Name : XXXX  ( {$670.00} ) Acct number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX ( {$0.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX ( {$1500.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

Acct Name : XXXX ( {$1200.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX XXXX ( {$960.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX XXXX ( {$650.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION (TX)

XXXX I received an alert of a new collection on my credit file-XXXX XXXX XXXX in the amount of {$750.00} owner to a company XXXX XXXX  XXXX XXXX XXXX. I have disputed this last year and the company name then was XXXX XXXX-it was removed the account from my credit files. Here we are again. I contacted the company on XXXX with no resolution. 
I have not applied for a loan from either of the similarly named companies.
Consumer complaint received 2022-07-27
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX  XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX  XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX
Consumer complaint received 2022-02-16
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (TX)

XXXX Systems XXXX XXXX 

This collection agency took the debt over of my military start card. On XX/XX/XXXX, XXXX rec 'd a letter informing me the debt was {$13000.00} and a monthly payment of {$570.00} as agreed on would come out of my bank for XXXX XXXX which would equal {$13000.00}. This is more than the debt on the payment notice. On the account summary from Military star card, on XX/XX/XXXX the debt was listed as {$10000.00}. I rec 'd a copy of account summary on XX/XX/XXXX as i had been locked out of the military star account and started noticing discrepancies b/w the military star monthly statement and the XXXX monthly account statement. When I called in XX/XX/XXXX to verify the payment plan had stopped, I was informed I still owed {$8400.00}, and the XXXX payment plan was just the length they can set payments up and the amount is more because they charge fees and there is interest added. I agreed to start paying {$1200.00} to get this paid in full. However, I started noticing each statement from the military star card had different amount owned than the statement from XXXX. Again, I called and was told this is due to interest and their fees and the debt can change at any time. I did request during that call an account summary. As of XX/XX/XXXX military star card statement reports the debt as {$3400.00} and XXXX statement reports the debt as {$4000.00} which went up from the amount, they reported in the phone call which was $ {$4000.00} still owed per XXXX. As of date, I have paid this company {$15000.00} well over the original debt told to me and they have me still owing {$4000.00}. I have all of the documentation and bank statements. Additional files upon request.
Consumer complaint received 2022-07-27
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. (LA)

It has been discovered that you are not DISPOSING file when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which is answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX Balance : {$620.00}
Consumer complaint received 2022-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (PA)

I have a XXXX loan, originated in XXXX in the states of California and New York, that Navient apparently took possession of at some point. Navient says it's a private loan that they own. I have called numerous time ( XX/XX/XXXX, XX/XX/XXXX ) and emailed ( XX/XX/XXXX ) requesting a chain of title and/or a promissory note proving that Navient does in fact own my loan. They have been unable to produce such legal documents. I have reason to believe that my loan should be fully discharged on the grounds that Navient does not own my loans.
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: MECHANICS BANK (TX)

I had an auto loan with Mechanics Bank. I refinanced with XXXX XXXX. The day after XXXX  XXXX paid the loan off with Mechanic Bank, on XX/XX/XXXX, Mechanic bank drafted my regular payment on XX/XX/XXXX. I was told this would be returned within 30 days, no sooner. It has not been returned. I have sent several emails. I have made several phone calls. Customer service is vague and unhelpful. They don't know anything and apparently lack the ability to find out. It is now XX/XX/XXXX and I demand my money be returned. This has drug on and on for over a month now. They drafted my regular payment on XX/XX/XXXX for an account that was paid in full on XX/XX/XXXX. It is not that difficult to refund an overpayment. Perhaps they could be guided on how to write a return check or at this point, return it by wire? This would be a much simpler solution than having to file complaints against the bank and sending out several certified letters and or having to hire an attorney. 

Thank you and best regards
Consumer complaint received 2024-03-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC. (MI)

I signed for a lease on XX/XX/XXXX. My lease payments were {$440.00}. Lease payments were due on XXXX of every month, and I have paid a total of {$15000.00}. This was a 36 month lease. As of today, XX/XX/XXXX I have an outstanding balance of XXXX. All of my payments were paid on time, each month, without interruption. XXXX XXXXXXXX Score is in the 800 's. 

I called Ally on XX/XX/XXXX, to find out how to go about extending my lease for either 3 or 6 months. The customer service representative said it is very simple, Ally would send out paperwork to extend the lease at the current lease monthly payments of {$44000.00} and there would be no additional fees associated with extending the lease. 

Fast forward to XX/XX/XXXX, I called to extend the lease and obtain the paperwork and the operator I spoke with then quoted me a monthly payment of {$750.00} each per month for a total of {$2200.00} for three months of extension. 

On XX/XX/XXXX I went into the dealership where I leased the vehicle at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my salesperson asked around to his colleagues and stated they have not heard that Ally changed their process of lease extension. If they did change their terms of extending leases at a much higher rate, it was never communicated to the dealership nor the lessee. 

I called Ally back on XX/XX/XXXX and elevated the call to a Supervisor/Manager named XXXX who could not and would not provide me any explanation why the monthly payment drastically went up, almost doubling to extend the lease? Ally was not able to explain the increase and could not provide any financials to me giving me a rhyme or a reason to justify the higher monthly lease payments. 

XXXX promptly ended the call with me as he could not explain anything to me. XXXX simply said it's all in the computer and that is the way it works. 

What kind of company is allowed to operate in such a usury manner of charging almost double the monthly lease payment and offers absolutely no explanation as to why they are operating in the manner that they are? 

I do not feel this is ethical and I ask where is Ally 's integrity? A very poor way to conduct business and this type of nonsense should stop dead in its tracks. 

Thank you for listening.
Consumer complaint received 2023-03-27
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. (TX)

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report. 

To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with confirmation of these medical collections being removed/deleted from my credit report.

The medical collections are the following : XXXX. XXXX XXXX with account number XXXX for the original creditor " XXXXXXXX XXXX XXXX XXXXXXXX '' for the original amount of {$260.00}. This medical collection was removed/deleted in XX/XX/XXXX. I have attached supporting evidence to show this medical collection has been deleted. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX XXXX  XXXX '' for the original amount of {$260.00} was sold to XXXX XXXX XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 
XXXX. XXXX XXXX XXXXXXXX with Account Number XXXX for the original creditor " XXXX XXXXXXXX XXXX '' for the original amount of {$220.00}. This medical collection was removed/deleted in XX/XX/XXXX. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX XXXXXXXX with account number XXXX for the original creditor " XXXX XXXXXXXX XXXX '' for the original amount of {$220.00} was sold to XXXX XXXX XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 

The inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-16
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: AMERISAVE MORTGAGE CORPORATION (SC)

amerisave mortgage company checked my credit without my consent or permission I was told it was a soft pull but it shows 4 times as a hard inquiry No one will help