davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I 'm opening up an complaint with Experian credit reporting agencies due to the fact that they failed to investigate my complaint on my credit report. Reinvestigation Required I have sent Experian documents via Certified mail of proof that i was Not late with XXXX credit card But they refused to investigate My claim after sending Experian Proof that I paid XXXX the Months that they are reporting that I was late. Per the FCRA ( A ) ( B ) ( C ) experian is required by law to investigate my complaint. I have filed complaint with The Minnesota Attorney Generals Office as well about this complaint as Experian has ruin my good name and reporting Negative and false information about me I 'm aware that Reporting agencies are just trying to make money off of consumers like myself reporting false information I will Not allow you to ruin my good name. Experian I 'm going to ask you One LAST AND FINAL time to invesitgate late payments with XXXX account number XXXX I have sent you bank statesments for my proof of payment I asked that you contact All if your sources that you used to verify this and send to me in writting how they verified the late payments You have copies on file at your office as we speak of proof that I paid and I expected you to send me Proof in writting via US MAIL. I 'm full aware of you not even during what the law require you to do so I 'm asking you if you can not provide me what I 'm requesting please have those negative late payments removed from my credit file or I will take full legal action againist your company I 'm fed up with the run around. 
Also I have sent you a copy of a police report on XXXX XXXX you have failed to investigate that which is also aginst the law. you need to follow the law and do what the law require your company to do. Like I said I havew file complaint with Minnesota attorney general office about this as well. next step i will hire my own personal lawyer and sue you for as much as the law req. THIS WILL BE MY FINAL NOTICED TO YOUR COMPANY BEFORE TAKING ACTIONS! 
THANKS XXXX XXXX
Consumer complaint received 2019-12-16
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. (MD)

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently : - XXXX XXXX XXXX for {$7600.00} - XXXX XXXX XXXX for {$1200.00} - XXXX XXXX for {$1100.00} - XXXX  XXXX   XXXX for {$1100.00} - XXXX XXXX XXXX for {$830.00} - XXXX XXXX for {$260.00} - XXXX XXXX for {$210.00}
Consumer complaint received 2022-12-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Since XX/XX/2022, several dispute letters were sent to the agency for debt validation. The debt was sold to a collection agency. The agency failed to provide written notice of the debt. In XX/XX/2022, I sent in a dispute letter requesting validation, proof of license to collect in XXXX XX/XX/2022 I received notification that a judgment was issued against me for {$630.00}. I was never formally served with notice of a pending suit.
Consumer complaint received 2017-03-23
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Nelson and Kennard (CA)

This collector comes to my home at night during the week and early weekend mornings in addition to random afternoons. They bang on my door and speaks threateningly to my family. They have been asked to not come back, yet they do repeatedly. I have it on video this person coming to my home near XXXX and banging aggressively on my door and ringing my door bell, awaking my and scaring my young children. This person peeks in through my windows and parks his car in front of my house waiting for me to come outside. This person has been instructed to not come back to my home, yet they do repeatedly, often before XXXX on the weekends and after XXXX during the week. I am scared now for my son to walk home from school because the threatening tactics being used. I have submitted a Cease & Desist letter to this company.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

Went to annualcreditreport.com and filled out information and when it should have come up digitally with the report to look at, it only said can not fill your request and gave instead something to mail. Are we doing this wrong??? We are afraid to try again because it said only one free report a year, but we have not received one!!
Consumer complaint received 2017-04-04
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (VA)

My vehicle lease and auto loan are paid in full but still appear in my credit report. 
I leased my vehicle and after 3 years i decided purchase the vehicle. 
I own the vehicle because i paid in full all the debt. 
On my credit report appear like two different vehicles and still debt balance to pay. 
I need this balance being updated.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (SC)

I have been disputed Tax Liens that was reporting on my credit as a Public records, and the information is not valid. I have Disputed this information with Equifax Several times and the results came back verified correctly. I have supported documents that supports that it has to be remove and delete and never it did.
Consumer complaint received 2022-01-05
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: Experian Information Solutions Inc. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NV)

Tried ton purchase a car at local dealership and was told they could n't get any report from agencies, no number is being reported. I called XXXX and they said it is reporting. I have tried to get home equity loan and was told the same thing. XXXX says no reason for that so why ca n't anyone access a credit number. Experian had told me all my credit was old, which is true but what should that have to do with my credit history. XXXX has told me there are no negative items on my report. I have a charge account with XXXX which has been active since 2003 and Experian said it was n't reporting properly because my birth date needed to be updated? This account according to them is reporting as no status. It 's the only active account I have had for several years and it is not reporting properly. Experian says it 's XXXX 's fault but XXXX has told me that have updated to credit agencies. I ca n't get credit even though my credit has always been very ggod. THIS IS NOT FAIR. credit reporting agencies are prohibiting me from getting credit by not providing any credit history while at the same time saying they are. I do n't know where the disconnect is but it needs to be resolved I need your help
Consumer complaint received 2016-06-27
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Fusion Auto Finance (VA)

I leased a vehicle through Fusion Auto Finance LLC ( " Fusion '' ) from XX/XX/XXXX- XX/XX/XXXX. The lease was terminated on XXXX XXXX, XXXX and I have not been possession of this car since. Today, XXXX XXXX, XXXX, was the first time I was notified by Fusion Auto Finance LLC via phone call regarding a bill issued from XXXX County, Virginia for a state property tax that was issued in XX/XX/XXXX to Fusion Auto Finance LLC. The bill has since accumulated approximately {$300.00} in late fees and penalties because it was not paid by Fusion. When I contacted Fusion to discuss the bill, they were aggressive in insisting that I received multiple notifications about this bill, but I received none until they threatened to send me to Collections ( via a phone voicemail ) on XXXX XXXX, XXXX. I should not be held accountable for the penalties and late fees assessed by XXXX County because of the negligence from Fusion. When I asked if they had any record of the notifications that they claimed to have sent, they were unable to provide that information and insisted " that was not their responsibility. '' Any time I attempted to discuss the situation with the finance agent, XXXX XXXX, she shouted me down and insisted that I was at fault instead of answering my questions.
Consumer complaint received 2016-10-31
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: Pipeline Ventures (IL)

TLA, XXXX XXXX, XXXX MD XXXX, XXXX sent out a postcard to seniors who have a reverse mortgage which I feel is very deceptive advertising. " This is an attempt to make contact as your loan is approaching the end of its probation period '' and " Your Reverse Mortgage may be due for a change in terms ''. There is no probation period on a reverse mortgage and terms can not change.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The company Transunion has failed to properly investigate inaccurate information on my credit report regarding the XXXX accounts reporting by XXXX XXXX and XXXX XXXX XXXX. My file number is XXXX. These accounts should be included in bankruptcy with a XXXX balance or deleted if not reported accurately since my filing of bankruptcy. I have attached supporting documents showing these accounts included in bankruptcy as the original creditor and the collection of the same account.
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC. (MA)

Guaranteed Rate offered 3 %, 15 year and {$99.00} in points to refinance my XXXX home for a principal of $ XXXX and estimated value of $ XXXX. It was a good deal. The appraisal was completed 2 days before rate expiration at $ XXXX, 6 % lower than my initial estimate. I proposed a loan principal of $ XXXX, keeping equity healthy at XXXX %. Guaranteed Rate played brinksmanship with a late appraisal and then claimed they were not obligated to honor their 3 % offer and attempted to move me to 3.25 %. Guaranteed Rate did dot honor the offered terms all because appraisal was XXXX % lower than estimate. A clear case of bait and switch.
Consumer complaint received 2016-05-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PlusFour, Inc (CO)

About 2 months ago, upon getting a notification from XXXX XXXX that there had been a change on my credit report, i discovered a collections account listed as Plusfour for {$25.00}. I immediately proceeded to look up the company and contact them to resolve the issue, as quickly as possible, since I had never been contacted by them nor did I know what this outstanding debt was for. When I spoke to a representative I confirmed my address ( which was incorrect in their system since I had recently moved XXXX ) as well as my phone number, which was still the same. At that time she informed me she could not discuss my account with me because I was no longer a XXXX resident and they were not licensed XXXX. I told her I understood and asked what i needed to do to proceed. She said they would be transferring my account to a company that was licensed XXXX and that it could be XXXX5 days. I waited almost two week and then called Plusfour again because I had still not heard from anyone and I was eager to resolve this, since this was still a negative remark on my credit score that had lowered my score by XXXX points. Once again I was told that they could not discuss my account because I resided XXXX, but the representative did provide me with the phone number with the company that was now handling my account. I went ahead and contacted the XXXX Debt company and was told by the representative that according to her records they did not have any outstanding accounts associated with my name, SSN or phone number. Once again I called Plusfour this time to inform them that the company whose phone they gave said there were no accounts for me. She verified that she gave me the correct information, which she had. I asked to speak to a supervisor and was told he was not in but that he he would review my account, contact the colorado company and then follow up with me, which he never did. 

Almost 2 months have gone by and I have still never been contacted by anyone in order to resolve this issue. As someone with a credit score over XXXX who has never had an account in Collections before this, I am now infiruated that this negative remark is still on my credit report and that although I have done everything in my power to find out what it is about or how to resolve it, i have been unable to. Plus XXXX never called me once in regards to this account before reporting it to the credit bureau, in fact they 've never called me at all. I would have resolved it before it ever got to this point.
Consumer complaint received 2016-09-23
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Mar Joe Enterprises (TN)

The agency contacted me and did not identify who they were or the call was in reference to a debt collection. The caller asked me to provide my date of birth without even telling me who they were or why they were calling. I informed the caller I would not provide the information until I knew who they were or why they were calling. She stated, " I 'll note you refused to verify and we 'll proceed. '' The caller then hung up. After calling the number back and discovering who they were ( a debt collector ), I realized their " proceed '' meant take legal action. I attempted to speak with another employee at the agency and was again transferred to the same lady who initially called me ( XXXX ). When I asked to speak to a supervisor, XXXX rudely stated that this would be the " last time '' I could speak with anyone, which I assume meant they were " proceeding, '' which further indicates taking legal action. How is it legal to contact someone about a debt owed, not identify who you are, ask for personal, sensitive information, and when one refuses to give out such information, note thy refused to work with you? Why would I willingly give a stranger my date of birth, and how can I be provided the opportunity to pay a debt if I do n't know who is calling me? This company needs to provide their customer service representatives with additional training at the least.
Consumer complaint received 2020-10-07
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. (OH)

The following account listed below is fraudulent accounts and does not belong to me. They are in violation of FDCPA XXXX and the accounts need to be deleted from my credit report : XXXX XXXX XXXX  # XXXX
Consumer complaint received 2016-12-15
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: The CFM Group (AZ)

Got a call from Consumer First Management Group and spoke with XXXX XXXX at XXXX. He threatened to sue me and garnish wages and get a judgment against me for a debt that was from XXXX, that I repeatedly told him was not mine. He has been calling multiple times and contacted my wifes place of employment and gave her all the information on the account even though they stated that I was the only one on the account and that the bank had written off the debt in XXXX. I asked multiple times how I could resolve this legally and why they were harassing me if the company had written it off and requested that they send me whatever documentation that they had and information on how to dispute the account and the debt. He told me that the only way to get out of this was to pay it all. The disturbing part is that they had all of my personal information and when I asked what it would take to resolve he told me that we had good jobs and made good money so he wanted all of the XXXX and that it would be XXXX after they took me to court with court costs. I looked up this company on XXXX and it looks like they are a scam. Can you help me validate this company or put them out of business if they are scamming.
Consumer complaint received 2017-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (CA)

I have been trying to find out information in regards to a joint consolidated student loan that happened back in XX/XX/XXXX when I was married and everyone that I have spoken with so far is not able to retrieve this information because of this dating back to XX/XX/XXXX. I would like to find out the status of this loan because it 's only showing in my name. The loan was through XXXX College and it shows that XXXX loan is paid in full but there is this loan that is under my name and I 'm not sure what this loan is. I would like for someone to give me a breakdown of all and any loans that are in my name and how this happened. Thanks in advance for the help that you can provide.
Consumer complaint received 2017-03-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

I attended the University XXXX XXXX XXXX, XXXX. I applied for loans from this company for only one year. My requested loan amount from that time has ballooned to over {$60000.00} due to fraudulent applications that were completed in my name and my co-signer 's names. Over the years, I have been harassed, lied to and threatened by this company. I 'm also one of the military veterans who was denied benefits that were supposed to be afforded to me while XXXX. This company has tried to play my co-signer and myself against one another telling him that I committed fraud, which is in direct violation of FDC 807. False or misleading representations clause ( 7 ) " The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ''. They repeatedly told my dad to file fraud charges against me and me against my father. When myself and/or my father requested all of the documentation in my file, they would take 2-3 weeks to get the information to us. They also denied to respond to my father 's lawyer because they did not want to be held responsible for breaking the law again as they would have had to have contact only with the lawyer. When I received the packet with all of the documentation from my file, the total amount verified by letters of disbursement, does not come close to the amount on the account. There was no paperwork for one of the accounts listed on my total account. I requested by letter that the account be removed, however it was not. After trying to work with Navient, I sent them a settlement letter with a check. They cashed the check, and denied the offer. The harassing phone calls have started again.
Consumer complaint received 2022-01-05
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: EQUIFAX, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person