davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-25
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. (FL)

On XX/XX/2020 I received a letter back from Transunion stating that the account I disputed was verified and a derogatory mark still remains on my credit report per XXXX XXXX and Transunion. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection/charge-off. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HYUNDAI CAPITAL AMERICA (OH)

Unable to get the title or a lien Release for my XXXX  XXXX from Kia Finance in XXXX XXXX CA. This car has been paid for since XX/XX/2020. ( I started the process with this company in XX/XX/2020 to perform the buy out ) I received a letter XX/XX/2020 that my leased vehicle has been purchased by XXXX XXXX XXXX, but the title/lien release was never sent. ( Still do not understand why since the money was sent to Kia in XXXX with the paperwork which we have had to supply 3 times on why it took until XXXX to get this letter ) I have contacted Kia multiple times but they have not provided the required information to the credit- union. XXXX XXXX XXXX has contacted this company multiple times with no success as well. They currently use number XXXX which funnels all calls to a customer service desk and they are unable to assist you. I have asked to speak to a manager on several occasions about this issue, they too where unable and did not want to help. I have contacted the dealership where I had purchased the call but they are not affiliated with this leasing company and could not help me. I have contacted Kia Motors directly and they said that since the leasing company was separate they could not help me either. I am currently paying for a car ( I have been making payments since XXXX to XXXX XXXX that I can not drive since the plates expired in XXXX.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2020 I submitted a validation request with XXXX XXXX XXXX. I received to response to my request. I also disputed with experian and it remains on my credit report as verified. However no one have provide me with any details or acknowledge to an unknown inquiry on my credit report.
Consumer complaint received 2020-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (CA)

Hello, On XX/XX/20 Military Star Card agreed to a settlement amount of {$350.00} and sent me a settlement offer. They then drafted the payment and are still reporting the debt as not paid on my credit report. The collection should be removed from my credit report as they agreed to the settlement. They are also still sending me letters in the mail to make a payment.
Consumer complaint received 2020-04-21
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)

FOR THE PAST 8 MONTHS I HAVE BEEN TRYING TO RESOLVE THIS MATTER WITH THE BUREAU AND THEY ARE NOT COMPLETING THE INVESTIGATION, THEY ARE NOT PROVIDING SUFFICIENT EVIDENCE, AND I AM A VICTIM OF IDENTITY THEFT, I HAVE GIVEN MY POLICE REPORT MY FTC REPORT, I FILLED OUT THEIR REQUIRED AFFIDAVIT AS WELL AS WELL AS NOTARIZED THE DOCUMENT AND THEY REFUSE TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, I AM IN THE MIDDLE OF TRYING TO REFINANCE MY HOME AND THESE 2 ACCOUNTS THAT ARE REPORTING ON MY CREDIT REPORT ARE NOT BEING REMOVED WITH ALL THE CORRECT INFORMATION THEY HAVE RECEIVED. I HAVE TRIED SEVERAL ATTEMPTS AND THEY SIMPLY ARE NOT COOPERATING. WORST CUSTOMER SERVICES REPRESENTATIVES AND CUSTOMER SERVICE BY EXPERIAN AND XXXX.
Consumer complaint received 2020-04-21
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX  XXXX XXXX {$90000.00} XXXX  XXXX {$1000.00} XXXX   XXXX XXXX {$850.00} XXXX  XXXX {$460.00} XXXX  XXXX   XXXX {$800.00} XXXXXXXX XXXX {$400.00}
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

Ive been trying to get copies of my credit report for years. No one is able to get a copy of the report not even the mortgage company Im going through. I have called I have sent certified mail with a copy of my license, social security card and a utility bill with my address. I not able to access through any free credit reporting agencies, Im not able to access through the Equifax website. Though I keep getting emails requesting that I pay for a service to access my report.
Consumer complaint received 2020-04-21
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. (FL)

I filed for a bankruptcy chapter XXXX back in XXXX of XXXX XXXX 9 Years ago ), I had a mortgage that was included in the bankruptcy and as soon as I received my discharge in XX/XX/XXXX, that same mortgage company ( XXXX XXXX XXXX  ), reported me more than 60 days late, which was not supposed to be done, considering that bankruptcy is 9 years old. I have reached out to them on many occasions since XXXX and have been told on multiple occasions it will be correctly reported to the credit bureau. Finally, after multiple failed attempts, since they have continuously kept reporting incorrect information, I sent a certified letter to the bank in question with all the proof and nothing has been done. I finally reached out to the credit bureaus, and sent the explanation, with all supporting documentation, I received a credit dipute update with Equifax, claiming that the mortgage company has reported correctly and that sufficient information was not provided. I sent Equifax the letter I sent to mortgage company, a detailed explanation of what was going on and the proof of bankruptcy payment plan where this mortgage was included and completed with exact dates. I don't understand how much more specific I can be. I then call the Equifax phone number XXXX, and am asked to verify my identity. I verify the information around 5 times, with the numeric portion of my address, phone number, social security and zip code and system says it can not verify my identity, although I am 100 % sure Ive input the correct info. Then I call consumer services at XXXX and explain I really need to speak to someone and they say they are terribly sorry but there's nothing they can do. I finally communicate with Equifax and after 3 and 1/2 hours on hold ( I took a picture of the screenshot ), I was told by an Equifax customer service rep that despite me sending them bankrupcy proof and advising them that mortgage company is being extremely uncooperative, the incorrect information will continue to be on my file.I then asked the rep if I can record her saying that and she agrees. Her ID # is XXXX, name XXXX I believe. I have the recording on my phone, just could not upload, where I recorded the rep confirming they would not remove the negative rating report. Both the mortgage company and Equifax have been very uncooperative. This has been affecting me in obtaining credit, including a refinance of a home I own and 1 I'm trying to buy. I have been more than patient and now I see myself extremely hurt, as no one will give me financing and I have a balloon loan due as well. Please help with having the mortgage removed from my credit ASAP, as it was included in my bankruptcy. Thank you in advance.I have also attached the letter of denial from the Lender trying to get me approved. This is only an example of what has been happening to me for a while. I have been pretty much denied by other banks because of this.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AR)

I checked my credit file and noticed that I have over XXXX Inquiries that I do not recognize. I have not authorized any one to access my information. I have called and mailed letters to all of the inquiries to let them know that these are fraudulent inquires on XXXX/XXXX/2017. I have not heard back from either of them.
Consumer complaint received 2020-11-15
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. (GA)

I have disputed the inaccurate reportings with XXXX, Experian, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX I never paid the following accounts late, XXXX XXXX XXXX : XXXX is reporting no late payments, Experian is reporting a a payment status of Current but a late payment of 30 days late in XX/XX/XXXX and XXXX is reporting no late payments, XXXX : XXXX is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, Experian is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but a late payment of 30 days late in XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, Experian is reporting an opened date of XX/XX/XXXX and XXXX is not reporting this account, XXXX  Account Number XXXX XXXX and XXXX is not reporting this account, Experian is reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX Experian and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2017-09-20
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. (FL)

XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Why won't you remove these items? 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to remove. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. I have provided documents that can prove it.

I was denied Employment due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, Please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report. 
Inquires XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

Between XX/XX/XXXX and XX/XX/XXXX of XXXX, I attempted to dispute the reporting of several closed accounts that have aged over seven years since their dates of first delinquency. I made at least a half dozen attempts online to submit the dispute requests. Every single time, I am getting an immediate error on their site when attempting to use their online system. The web page is https : //www.equifax.com/XXXX. 

When I attempted to contact Equifax 's customer support line for credit disputes, I was greeted by a support representative who upon hearing that I would like to remove these four closed accounts that have aged in excess of 7 years past their date of first delinquency, that their policy is to remove them after 10 years. This is NOT in-line with the credit reporting regulations that state they should be removed after 7 years. 

Equifax is systematically making it difficult for consumers to lawfully remove these adverse accounts from their credit files. I am not having any issues removing these records from XXXX  or XXXX. This has to stop. This is a company entrusted with protecting consumers ' credit information and XXXX is making up its own policies. I am furious. Please assist me in lawfully removing these records.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Re. Experian -- - Problem filing a dispute to an adverse entry on my credit report, and Problem obtaining a free credit report from Experian detailing an ADVERSE entry in my credit report -- -- My credit alerting service, PROTECTMYID ( protectmyid is an Experian company/service ) alerted me that an ADVERSE entry was added to my Experian credit report. I investigated the limited info available on the adverse report through my protectmyid.online account. Through the links it provided to Experian for filing a dispute online as well as directly through Experian.com, I tried to file a dispute online with Experian. However, EVEN AFTER EFFECTIVE LOGIN AS WELL AS COLLECTING ALL MY INFORMATION AND VERIFYING MY IDENTITY, EXPERIAN REJECTED MY REQUEST TO FILE A DISPUTE ONLINE. EXPERIAN ALSO REJECTED MY ONLINE REQUEST TO OBTAIN A CURRENT COPY OF MY CREDIT REPORT THAT DETAILS THE DISPUTED ENTRY. EXPERIAN FAILED TO PROVIDED ANY EXPLANATION WHY BOTH OF THESE REQUESTS WERE REJECTED. They simply advised that I needed to pursue both requests through their written process. 

In other words, Experian denied me appropriate access to my credit report as well as the ability to file a dispute online for an adverse entry in my credit report. Their written process is not only very inconvenient and time consuming, sending the info they requested through the mail is also more insecure than their online service. Again, I was able to login into my account with them as well as independently provided them with all info to verify my identity. Experian has failed to provide any explanation why they denied me appropriate service through their online systems.
Consumer complaint received 2015-09-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation (OK)

Global Credit And Collection Corp has been calling us daily sometimes XXXX a day for over a month now. When I answer it is a recorded message telling us they want us to call them about debt. We do n't owe any debt in collection? How do I make the calls stop?
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Paypal Holdings, Inc (IL)

Started XX/XX/2022 I bought one game for my son then they continued to take up to XXXX plus from my venmo which in turn moved over to my checking account causing me to over draw and get checks returned making me up to almost XXXX in the negative I have disputed everything with venmo they stated once all the disputes were done they would take care of what my bank fees and amounts were I called my bank asked to put a hold on my account was told that it wasnt possible to do venmo still has not resolved the issue after turning my documents in 2 times regulation e I should be covered on both parties please help
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Freedom Mortgage Company (LA)

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX onXX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX Email : XXXX XXXX
Consumer complaint received 2021-04-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Voss & Klein, LLC (FL)

On XXXX I received a letter from Voss and Klein attempting to collect a debt the amount was insufficient. I stated to them the collections amount was wrong and thats not my account I tried disputing it it did not come off. I asked the collections agency Voss and Klein to stop contacting me about a debt thats not mines they continue to call and harass me.
Consumer complaint received 2020-10-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (MD)

EOS CCA  collection agency reported an account to my credit on XX/XX/2020 for {$180.00}. I have never done business with this company and this account has affected my credit report significantly. I also never received a dunning letter or any other type of notification from this company. 

I request for this account to be removed from my credit immediately.
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Sayer Law Group, P.C. (TN)

I am writing this due to non-compliance with the ( SAYER LAW GROUP, PC ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.