davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to " verify '' the accounts I disputed. Being that they have gone past the 30-day mark and CAN NOT verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... '' promptly delete all information in which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

Hello, I have a history of on time payments, my percentage is at 99.4 %, for some reason my re-occurring minimum payment was not being taken out of my account. I would like for this XXXX late payment to be removed because it is affected my score in a negative way.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

After numerous phone calls and letters to the Equifax credit reporting agency I have been given the run and around with no help or solution to my issue. I used a third party agency to view my credit report and noticed that there were a list of hard inquiries listed on my credit file. I 've repeatedly asked Equifax to have these inquiries removed as they were not authorized nor do I posses a current open account with either of these agencies. Equifax refuses to remove these inquiries although they are not tied to any open account on my credit report.
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

My student loans are suppose to show closed on all credit reporting companies. I have contacted XXXX XXXX and Equifax who also controls XXXX XXXX etc. about this several times now and the information is not changed. I have in front of me written proof from XXXX, the USA Dept. of Education as well as XXXX XXXX, a collection agency that works with the Dept of Education that my loans are suppose to show closed as I am under the XXXX umbrella. I am not able to upload the supporting documents but can easily mail copies from the government agencies above.
Consumer complaint received 2016-04-05
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Continental Services Group, Inc. d/b/a ConServe (WV)

Hello I am writing about an issue that I had with my college school loan. I got this loan in XXXX and than I quit taking classes, so the loan was is still in my name. In XXXX I had attempted to get the loan payment deferred online at the us department of education website and while speaking with the guy on the phone. He walked me through the process and he told me my loan would be deferred for a year cause I was approved for deferment. He said he would send it to me in the mail and I need to sign a form electronically and scan to proofs of identification. He also told me that I would not get my wages garnished if I make less than XXXX. So I never received the form in the mail and by the time I had remembered what had he said about signing electronically. They had already turned the loan over to a default status. They than sent my loan over to us department collection agency and began to garnished my wages from my income tax. I just want to get this taken care of and get the default status removed and finish paying off what I owe. They have tried to reach me to collect the debt through mail it was with the National Payment Center US Dept. of Education. But there is no way to reach these people online and they wanted me to send them a payment back in mail. I would rather not go this route since the mistake was an accident and was hoping you 'll could help me get this resolved. Thanks
Consumer complaint received 2016-08-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I had an automatic Bill pay monthly to pay for the car payment. I received an email from my bank that the payment was made. I checked my credit report one month later and it showed 30 days late payment reported to the credit bureau. I checked the payment history with ally financial inc and found out that the payment was reversed by my bank and I never had the opportunity to know about it to correct it. I immediately brought my account current and I asked Ally Financial inc to remove this negative item from my credit report bcz it was not intentional from my part and it 's the bank who reversed it without my knowledge, they refused.
Consumer complaint received 2015-07-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

My car was repossessed XXXX XXXX, 2015 and i had an amount due of XXXX including past due charges finance charges as well as the repossession fee of XXXX. I had a month to do so it took Ally Financial 5 days to give me information on redeeming my vehicle. When i finally received the information i started gathering my funds. They gave me a month to pay the XXXX in FULL, they were not taking partial payments. I up called the tow yard to see how much a day was the fee and they stated " For ally we do not charge for storage fee '' Ally tried adding on XXXX $ of storage fee onto the top of the XXXX. Every time i called i had to explain to them the place my car was held had no storage fee some representatives refused to remove the fee. I ended up redeeming my vehicle paying XXXX in FULL on XXXX XXXX, 2015 i did receive an 7 day extension to redeem my vehicle. After bringing my account down to XXXX $ they added a hidden fee of XXXX on my account a couple days later which is adding late charges to my account. Its now XXXX XXXX, 2015 I 've been calling Ally explaining my situation for 3 weeks now and they have still done nothing, all the of reps claim they will note my account and they note very little leaving me a whole story to explain they told me i have to talk to redemption and i did call them as well as the tow yard and redemption states " we did not put any charges on your account because we would n't have released the vehicle if there were remaining charges left, you have to pay the amount owed before redeeming your vehicle ''. So i then called the storage company and they states " There are no charges left pending for that car ''. So that leaves me to believe they added some random charges to my account and they are trying to cover their selves. I spoke with a lady in Texas and she told me that i probably wont be able to dispute the charges because its something i owe. When state law states all charges must be paid in full before redeeming your vehicle. Im paying my care note on time and trying to refinance my car and i cant because of charges on my account.
Consumer complaint received 2015-10-22
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (VA)

XXXX and XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXX # XXXX XXXX XXXX
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NJ)

I have been disputing multiple incorrect Public Records and Collection Account to be removed from my Equifax Credit Report but they refuses to allow me to dispute these XXXX Public Records and XXXX Collections Account which does not belong to me. 
I have tried multiple time to resolve it, but now Equifax has locked me out completely when I try to dispute these XXXX Public Records and XXXX Collections Account. 
I wrote to them 3 times with no response in the past 60 days Some items are over 10 years old. 
XXXX and XXXX were very helpful and removed negative items within 30 days I need HELP PLEASE!!!
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I want Equifax to review the attached letter to this complaint from the Minnesota Department of Human Services. The following account do not belong to me and is the result of identity theft : Minnesota Department of Human Services account ending:XXXX. I want the account deleted from my credit report.
Consumer complaint received 2018-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Navient has called my home over the last 5 months, sometimes twice a day attempting to get a pay on my student loan. I pay my bill on the XXXX even though the bill is due on the XXXX. When the XXXX or each month comes the calls start again. I have never missed a payment in the 5 years I have been in repayment of the loan. I feel harassed and insulted even with documentation of each payment over the past years they claim that we have missed payments. We have been charged late fees each month. Our payments are always over the amount due and we are still harassed. They call claiming to opportunities and then later call to collect a payment that has already been paid.
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (DE)

I 'm filing this complaint Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " Promptly delete all info which can not be verified. Please resolve this manner as soon as possible. Thanks
Consumer complaint received 2016-05-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CITIBANK, N.A. (FL)

My deceased husband had a Sears credit card, and I was an authorized signer. My husband passed away, and I declared bankruptcy. My bankruptcy was discharged by the court. Citibank/Sears continues to report the debt to XXXX and XXXX XXXX. My husband did not have any assets. Citibank has no legal grounds to collect this debt.
Consumer complaint received 2018-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (FL)

This company has repeatedly sent me a contract that does not have my actual signature on it. They have sent me the SAME DOCUMENTS TWICE, and they're not even what is required under the FCRA and FDCPA. Rent Recovery Solutions has not even sent me an original contract bearing my signature showing that I am indebted to THEM. I do not owe this company ANYTHING, and unless they show me a signed contract between myself and them AS REQUIRED BY LAW, I DEMAND they delete this account from all credit bureaus reporting it!
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OH)

I requested my complete file pertaining to certain inquiries on my credit report in accordance with FCRA 609 and FCRA 611. 
This DEMAND of documents letter was sent by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by law.
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (PA)

I believe this is more of a problem with a potential creditor, and not Experian itself. I am not sure how to proceed, however, here is what happened. I applied for a credit card sometime prior to XXXX, just XXXX with XXXX. I did n't hear about approval so I called and inquired, and then followed up with a letter dated XXXX XXXX, 2015. My experian credit report notes XXXX hard inquiries spaced just weeks apart, XXXX XXXX, 2014, XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. 

I know this is impossible because there would be no way I would attempt to reapply for credit in such a short time frame, so I have XXXX hard inquiries on this report that will be on this report incorrectly for two years from now. It is wrong, and I only gave permission for XXXX hard inquiry.
Consumer complaint received 2015-09-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NY)

I am requesting that a lien to be removed from my car and title. I was never told when I financed the vehicle that there was a lien or that it was a rental car. After I received my title 3 months into my finance I noted a lienholder on my car. After further investigation from car faxes this lien is from the original owner and was taken back by Ally financial who Auctioned the car to the dealership I financed it from less than a month from my finance. I talked to the FDIC who stated I am not responsible for this lien and if after contacting both the lienholder who happens to also be the financial company of my used car finance and dealership that I could not get it removed, to contact you and make a complaint. The representative from FDIC I spoke with stated the seller is to satisfy the lien on the used car I purchased from them before I financed it
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (TX)

I purchased a clearance mattress from Mattress Firm, which they offered financing for. When I applied for this loan, I was under the impression, rightly or wrongly, that I was applying for an installment loan, or some other closed line of credit, but it was opened as a credit card with Synchrony Bank. I was never provided a Regulation CC disclosure during the process. The only indication I had that I had applied for a credit card was the receipt I signed, which stated 'Terms : This transaction is covered by your credit card agreement with Synchrony Bank . ' A credit card agreement I did not have access to. 
Had I had access to the terms of the credit card loan, I would have considered my other options. Having an open-ended loan affects my ability to access as much credit in the near future. When I spoke to the store manager, she told me 'Well if you close it now, it will hurt your credit more. ' The district manager was apologetic, but told I should have asked for those disclosures. It is not the responsibility of the consumer to request those mandatory disclosures, it is the lender 's.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AZ)

THIS COMPLAINT REPLACES Case number : XXXX : It appears that the credit bureaus are reporting inaccurate statuses for XXXX & XXXX XXXX XXXX tradelines. Never delinquent in 2008. Original creditor refused to remove this information.
Consumer complaint received 2015-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Majority of delinquent accounts occurred over 7 years ago. All current accounts are paid on time etc. I thought delinquent accounts stay on credit report for a maximum of 7 years. I am trying to be a first time home buyer and now have been on the job for 3 years and earn XXXX a year. I have almost XXXX in assets and ca n't get an FHA loan because my credit score is XXXX and not XXXX. I would like to use more colorful words to describe this, but I do n't want to offend anyone.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

The credit reporting company Experian is reporting my mortgage payment as late. My mortgage payments has not been late in over 5 years. This is also affecting my credit score. I have been trying to resolve this issue with Experian over the past 2 years to no avail. This information can also be verified with my mortgage company. Calls made to the company have been unsuccessful, due to the fact that it is a constance recording.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (NC)

I have many issues that I 'm dealing with but I will list them below : # 1 Experian has a security freeze and fraud alert on my credit file and I never authorized or requested this to be placed on there. I have written to them and requested that this be removed 4 times now to no avail. With each letter I include my identification as required. 
# 2 I am receiving letters stating that they will no longer investigate ALL of my accounts which is a violation of section XXXX. Their words are literally that they will not investigate the SAME dispute, and I have never submitted the SAME dispute # 3 Experian took 40 days to send me results # 4 When I call, I am given no answer and told to write a letter. See # 1
Consumer complaint received 2016-07-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (MN)

I disputed a debt that I do not owe with AFNI within the 30 days of the 1st notice. They sent back a letter to me that was basically another bill..yet put the account on my credit report right away. I asked again and they provided a validation after the 30 days. The amount is not owed. Equipment to the cable company was returned.
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (ME)

I am filing this complaint because my requests have been ignored by Experian. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy within 30 days
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

Experian has placed 2 unknown entries on my credit from a collection agency company called XXXX back in XX/XX/2016. I have disputed the validity of the debts because I know nothing about them or whom they belong to.The accounts were removed and the following month ( XX/XX/2016 ) and Experian placed the accounts back on my credit. I was never notified by the original creditor nor have I ever been contacted by XXXX. I have also sent XXXX certified letters and I have been ignored. I am so depressed because the unknown accounts have damaged my credit score and ruined my chances of obtaining financing that I desperately need to help my family and I move forward.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (KY)

I have disputed with the credit reporting agency Experian with no help. While there are still a lot of errors on my Experian credit file I am not offered the opportunity to continue disputing the matters because they said the investigation were completed but the results remained the same so I do n't think that they invested throughly.
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

On XXXX/XXXX/15 I disputed several accounts on my Experian and XXXX XXXX credit reports. 
XXXX/XXXX/15 XXXX deleted XXXX accounts ; XXXX duplicate XXXX and XXXX collection accounts and XXXX old XXXX account XXXX/XXXX/15 Pulled Experian credit report which still shows the XXXX accounts above
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have disputed the following accounts with Experian on numerous occasions : XXXX XXXX XXXX ( XXXX accounts ) and XXXX XXXX XXXX XXXX ( see attached documentation ). The XXXX does not belong to me yet this bureau continues to report this inaccuracy. This reporting is in violation of my consumer rights. I have furnished them evidence that proves the account belongs to someone else and not me. The XXXX has reported incorrectly since it was placed on my report. How does a collection account have terms. I never entered into a contract with this company. Additionally, how does a collection account have a past due amount. I never entered into a contract with this company nor have I ever did business with them. This account is reporting as though it is an original creditor and I have never did any transactions with them. I have brought this to the attention of Experian on numerous occasions, yet they still continue to violate my consumer rights and report this inaccurate information.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

Inaccurate information on credit report XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016