davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-04
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. (OH)

I contacted the three reporting agencies about a collection account that is incorrectly reported as mine. Both XXXX and XXXX corrected and deleted the account after their investigation. However, EQUIFAX refuses to delete this account from my credit report. The party responsible for the account even wrote a letter to EQUIFAX explaining that the account is theirs and NOT mine. They still refuse to delete it. I am a student trying to establish credit and use it responsibly, I monitor it and I recently received a student credit card to help me increase my credit rating. Unfortunately, this account that is incorrectly reported is hurting my chances to manage my credit responsibly. I appreciate any help you can provide to me. Thank you.
Consumer complaint received 2016-06-24
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. Auto Credit Corporation (VA)

I had to have auto repairs and I have done this before. It was known that I have 15 days to make payment and I 'm not even 15 days yet. They call me at least 5 times a day, now they contact me email and my job. This happens frequently, and it is a used car but repairs have officially be completely done. It makes you not even want to make the payment. They call and have attitudes when you ask for extension. It is getting out of hand.
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

On-going complaint against FayServicing, LLC Loan # XXXX Property address : XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC XXXX Re : 4th complaint Due to our medical conditions and the fact my wife is on her retirement and I stopped working last year, we have filed a loan modification with Fay Servicing , LLC our mortgage company over 6 months ago and have had nothing but difficulty with them. They are deceptive and use fraudulent practices including lies, deception, stalling, losing documents, losing packages we send, misplacing items and then constantly telling us they did not receive what we sent in twice. 
We are not able to make our payments and we have to borrow to make them on the 30th day of the month and last month was again difficult for us. 
I have contacted them on over 30 different occasions and lately I have contacted them 7 times and they completely ignore all my communications and wont even get back to us despite our efforts to communicate fairly. 
We sent them in all the paperwork they requested even though they had everything once already and they lost it all. This is now the 6th month we have been struggling with them to no avail and no response from them. 
We have submitted our paperwork to an independent banker who has agreed we qualify for a loan modification and he stated it should only take 60-90 maximum to get it accomplished. He stated he saw over 1 million complaints against Fay Servicing , LLC and they were in an lost several lawsuits about defrauding people.
Consumer complaint received 2017-08-21
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. (IL)

Starting in XXXX of XXXX, multiple credit inquires were made by companies and businesses that I did n't authorize. I have a credit verification statement placed on all 3 credit bureaus yet the credit inquires were granted. I was only notified after the fact via checking my credit report. I also included my phone number to verify if I authorize a credit inquiry. I fear that my SSN was used by someone pursuing credit and now my credit limits have been decreased on 1 of  my credit cards ( XXXX ) due to these multiple inquires. All 3 credit bureaus have yet to report paid off balance or call/contact me about these numerous inquires. Also, multiple charges and cash advances were made without my knowledge as well ( XXXX ). Credit Bureaus at fault ... XXXX XXXX Equifax I have started a Identity Theft Report with the Federal Trade Commission as well ; I have already been a victim of identity theft before.
Consumer complaint received 2017-10-22
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. (GA)

I have tried to order my credit report through Equifax 's XXXX XXXX and I have tried to use the free credit report website and I can not get my credit report. Months ago, I have contacted them and was told to fax in a lot of information with copies of my driver 's license and social security card. I was told to ask for them to review it. I was also told on another occasion that my credit report maybe split. I still have had no success getting my credit report.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KS)

XXXX XXXX, XXXX - I twice attempted to start a credit freeze with Experian on my credit report. Experian declined to provide me with a security freeze on my credit report. They failed to provide a reason for their denial. They indicated I was required to submit a police report or complaint of fraud violation. They were not helpful in providing me with information or facilitating my attempts to freeze my credit report. 

I was successful in freezing my credit report with XXXX  and XXXX XXXX with no issues.
Consumer complaint received 2023-01-28
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. (TX)

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX , XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$8900.00} TXXXX  XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2021-09-07
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: EQUIFAX, INC. (NC)

I sent a letter on XX/XX/2021, regarding erroneous and unexplained items on my credit report, and I have yet to receive a response after more than 60 days. I feel like I'm being exploited and my disputes are being ignored. It is clearly stated in Section 611 ( a ) that failure to investigate these matters within 30 days gives a justification to remove those items from my credit report. You must complete this investigation within 30 days of the receipt of this letter. According to law unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Consumer complaint received 2017-08-21
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. (GA)

I was a victim of identity theft and I have informed the credit bureaus. I have placed an initial fraud alert on my consumer record on XXXX. I have requested that my number be called to verify I am indeed applying for the credit that is creating inquiries on my credit. I have NOT received any phone calls, however inquiries are continuing to appear on my credit. I have requested these to be deleted on numerous occasions, XXXX, XXXX, XXXX, XXXX and most recently XXXX. All requests returned still on my report. I have also submitted the police report n reference to the identity theft and the inquiries have remained.
Consumer complaint received 2017-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX, XXXX, I received a letter from Citimortgage stating that they would no longer be servicing my mortgage, effective XXXX XXXX, XXXX. The letter is dated XXXX XXXX. I am aware that banks are entitled to change mortgage servicer, however I thought they were supposed to give 30 days notice.
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (AR)

XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX, AND CHASE BANK AND ALL COLLECTORS FAILED TO DELETE ALL THEIR ACCOUNTS FROM XXXX! BK NO.XXXX
Consumer complaint received 2017-10-23
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. (PA)

XXXX XXXX keeps telling me that they contacted XXXX XXXX XXXX XXXX to remove the information since XXXX of 2017 I have call them month after month and Experian and XXXX have yet to remove the wrong information and when I got the letter from XXXX XXXX XXXX I disputed the letter within the 30 days by law.
Consumer complaint received 2022-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CO)

Creditor claims I renewed a lease with them and owe over {$20000.00} for the lease term, but they have failed to produce such documents showing I signed for a lease renewal. Moreover, I have a company letterhead stating they transferred me on XX/XX/2021 ( months before my lease with them ended and well before the lease renewal date ) to Georgia for work and have been there since in corporate housing paid for by the company. 

The question is, how could I have signed for a lease if I wasn't present in the state of Colorado to sign for it?
Consumer complaint received 2019-05-07
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)

Despite repeated atttenpts to contact this less than par collection outfit they have refused to provide any proof of this so called debt and since XXXX rly have charter for a cable company Im confused where this debt may have come from. This collection agency has litteraly hundreds of xo plainys for the same issue and without being able to provide and signatures this becomes extortion not collection.
Consumer complaint received 2019-05-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

they take small amounts towards the loan and a huge amount for their interest which makes it hard and a long time to pay off the loan they are reporting me owing much more then I borrowed on my credit which is hurting my credit I have tried to talk to them to take more towards the loan and less in interest with no success I feel this is unfair lending and a trap for XXXX to get consumers locked in a long term loan ... PLEASE HELP
Consumer complaint received 2023-01-28
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.
Consumer complaint received 2021-01-19
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: EQUIFAX, INC. (GA)

XXXX  Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2017-08-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Brock & Scott, PLLC (GA)

On XXXX XXXX, 2017, I received a letter from Brock & Scott , PLLC stating that my debts with XXXX XXXX XXXX XXXX are now settled. When I paid these balances with Brock & Scott , PLLC, XXXX would only settle at 80 % on my two loans which equaled {$1000.00} and {$1800.00} respectively. I am still getting hit with delinquencies on both of these accounts on my credit report for XX/XX/XXXX and for XX/XX/XXXX. It takes the act of Congress to even get through to them and when I actually spoke to a person last week, she stated it would take seven days to research and I would have to call back to even receive a response.
Consumer complaint received 2015-12-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF THE WEST (IL)

On XXXX XXXX, 2015, I was overcharged for a vehicle that I purchased from XXXX in XXXX, IL. The retail order invoice from the dealer indicates that the dealer charged me {$20000.00} as the base price of the car ( before additional services were added ). This contradicts ( a ) the price of {$18000.00} that appeared on the sticker of the car at the time of purchase, ( b ) the price of {$18000.00} which the dealer verbally described to me, and ( c ) the {$18000.00} MSRP of the exact vehicle as previously listed on a website linked to the dealer. Documentation is submitted with this complaint in the form of a cache of a web page linked to the dealer where the exact VIN of the vehicle in question has an MSRP listed at {$18000.00}. 

I received a loan for this purchase through Bank of the West. 

There may be additional problems with the sale. On the retail order invoice, the dealer claims to have given me {$890.00} in rebates ; however, on the invoice itself, these rebates do not appear to have been actually factored in. The dealer told me recently that a " military discount '' that I was promised would now be revoked since I refinanced the vehicle through a different lender ( XXXX XXXX ). 

Additionally, the dealer added services on the vehicle which I do not remember requesting. In question is a charge of {$2100.00} appears on the invoice for a service called " XXXX '' Additionally, I do not recall agreeing to " XXXX XXXX '' for {$390.00}. 

The dealer is refusing to reimburse me for any of the disputed charges. In fact, when I made a visit to the dealer in early XXXX 2015 to express my concerns, the lead sales representative there told me " This is how we do business in America, '' in obvious reference to my accent ; I am a native of XXXX. I was also contacted by a sales representative who apologized about the mistaken price of the car but did not offer to reimburse me. 

I visited with a XXXX legal assistance office on XXXX XXXX. The XXXX legal assistance office contacted the dealer twice in an attempt to resolve the issue. On both occasions, the dealer sounded defensive. The dealer has promised that a " corporate lawyer '' or " XXXX '' would contact office of XXXX legal assistance. To date, neither the XXXX or any lawyers have contacted XXXX legal assistance.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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 take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (FL)

XXXX is reporting four accounts without my consent I've tried to resolve the matter but no response, nor proof on why I wasn't notified to request a reinvestigation. accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland sued me to collect debt that was not mine. Failed to prove debt was mine and case was dismissed. They refuse to remove it from my credit report on XXXX. All other reporting bureaus removed it. They have told me over the phone with documentation of dismissal it will be removed, it has been submitted and they still refuse to remove it. It is also too old to continue to be reported but they keep changing the date. 

I was told by re that states manager XXXX XXXX, that even though it is past statute of limitations, and lost in court they will still continue to treat this as a collectible debt, and will continue to do so.
Consumer complaint received 2017-06-30
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. (CA)

XX/XX/XXXX - I received a letter in the mail for settlement of debt that is being reported on my credit report. I have paid the agreed amount of {$240.00} to XXXX XXXX XXXX XXXX and no longer owe this debt collect. XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX sent me a " payment receipt for settlement of debt in full '' and it states that they would contact the original creditor shortly and it has be 15 days since payment. The company stated that XXXX XXXX XXXX the original owner of the debt will " in the normal course of their business, make the appropriate amendment to the credit reporting agency ( ies ), if applicable. When this debt was sold to XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, it was no longer XXXX XXXX XXXX XXXX. I have satisfied payment in FULL to the company who owns the account which is XXXX XXXX XXXX XXXX There is nothing that XXXX XXXX XXXX will report to the credit reporting agencies because they have sold the debt to another company. THIS DEBT IS NO LONGER OPEN AND SHOULD BE REPORTED AS A DELINQUENT ACCOUNT, NOR A COLLECTION ON MY CREDIT REPORT.
Consumer complaint received 2017-08-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pendrick Capital Partners Holding, LLC (TX)

This company has sent me a dunning letter suggesting I send them a written letter or the alleged debt would be assumed valid. I believe this is an attempt for Pendrick Capital Partners to abuse the system and suggest I have not already exercised my right for validation. The information they have provided in a previous complaint through one of multiple collection agencies they report to have put on retainer for collection services has been proven invalid and I have documented this Consumer Financial Protection complaint XXXX. This complaint verifies I have already disputed this debt and asked for validation along with requiring further communications to be by written letter only. This company, XXXX XXXX XXXX XXXX has called me repeatedly even though I have written to multiple collections agencies who have each notified Pendrick Capital Partners of my dispute and my requirement to cease phone calls to any number that may reach me. This XXXX complaint should serve as an additional written communication to again demand this debt is in dispute and I do not want any phone calls as any phone call is an inconvenience to me.