davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
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)

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VEROS CREDIT, LLC. (OK)

I got financed for a used vehicle that totally broke down after a month of getting it. 
I volunteered to get it repoed. They cussed me out and continued to threaten me to pay on it even though I couldnt drive it and said they arent going to put it as voluntarily. 
The remaining balance is incorrect. All the numbers are incorrect. 
They continue to bash my credit month after month after closing my account. They wont talk to me and keep hanging up on me. Its Veros credit.
Consumer complaint received 2020-09-16
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: LEXISNEXIS (GA)

To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. Thank you.
Consumer complaint received 2020-09-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

I have tried repeatedly to get my credit report and have Equifax change my name. They have my name as XXXX XXXX XXXX and my correct name is XXXX XXXX, XXXX. I tried to contact them today and the person I spoke to asked for my bank information, credit card information and balances on accounts. I couldn't understand the person I was talking to but proceeded to give him all the information. He said he couldn't verify my identity with all the information I gave him. I asked if I could please speak to a supervisor and he said he would not connect me because he has a certain amount of information that he can collect which I gave him and he wouldn't verify my name. I also asked for my credit report which I get free once a year and he declined to send it. The other credit agencies are more than willing to send my information and also have my name correctly. Also, the other credit companies have my credit score considerably higher than Equifax. They have been the source of many problems when I am dealing with credit. I can't seem to get my concerns addressed and find this as my only recourse. I hope you will take the appropriate actions to get my name corrected. I have several proofs of identification listing my name as XXXX XXXX, XXXX ( No middle name ) Not XXXX XXXX XXXX. Thanks for your prompt response.
Consumer complaint received 2021-05-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NC)

I paid off my loan with Ally Financial on my XXXX XXXX. I had an extended warranty on this vehicle. The warranty company sent a check to Ally Financial in XXXX and again in XXXX. The check is for {$5800.00}. This is an overpayment!! I have yet to receive my check. I have called Ally several times and each time they are telling me that it takes 1-2 days for the check to approved. They are holding my money and have been for months.
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FlexShopper, Inc (MA)

Received numerous phone calls from telephone number : XXXX XXXX XXXX to my Father 's personal and private cell phone number which is XXXX from a person named " XXXX '' who would not disclose the company he was representing, I later found out he was a third party delivery person working with a Debt Collection Agency but he failed to explain to my father and to myself the nature of his call. he would aggressively argue with me that he WORKED FOR HIMSELF, he called me slow on multiple occasions, threatened me, and made me feel unsafe.The only bit of information I was able to obtain from him was the phone number of the debt collection agency which is XXXX The man named XXXX at the Agency was Kind, Helpful, Emphatic and Understanding and quickly resolved this matter with me in a way that made me feel safe and understood.
Consumer complaint received 2020-09-17
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. (NC)

I have been working on my credit for years trying to keep payments on time paying off vehicle loans credit cards credit, it does not matter how much you pay off or down how many credit cards you get at ridiculous interest rates to build your credit your credit score goes down it never gets pass XXXX or XXXX because then you as a person of XXXX might get decent interest rates be able to afford something live better for old inquiries it stays on you credit never mind it takes your score down it's left on there for what reason, how long are the credit bureauls going to keep practicing rasism with people of colors scores my score is the same as in my XXXX it never went to a XXXX we start at 0 with high interest rates hospital bills have know become a new way to keep  these XXXX pesticides along with hard inquiries and stuff you don't know where it's coming from then you have to keep fighting to get it off even if you have insurance I have 2 hospital bills on my credit the whole time if been going to the doctor under the same medical insurance and these remain on my credit, we are being pushed out and given the highest interest rate and America says they are takeing care of all no you take care of XXXX America is you give us the lowest, this system that was put in place to systamaticlly take down as many XXXX and XXXX Americans with its unfair practices needs to be taken down and replaced with a system based on equality not XXXX because all 3 beaurals are guilty of this practice you pay off bills and your score drops no this was built to keep us just where we are at poor
Consumer complaint received 2020-12-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MO)

I keep trying to call Navient and they wont answer the phone. I have been trying to request deferment due to covid 19 pandemic. My mother has been is hospitalized with XXXX and XXXX and I cant work.
Consumer complaint received 2020-12-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (OH)

The debt has been charged off and they call me at least 25 times every week. Ive had 9 call from them in one day while at work. I am responsible for the XXXX  of up to 30 XXXX  and the repeated calls are a distraction to an already XXXX  job. Since XX/XX/XXXX they have called me over 200x
Consumer complaint received 2017-12-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (CA)

I would like to inform you that I continue to dispute the current status of the loan ( status=charged off ). On XX/XX/XXXX I disputed the status and the 3 month delinquency that was incorrectly reported to the credit bureaus, through XXXX. Ally Financial corrected the inaccurate delinquent payments it reported. Unfortunately I still do not agree and believe Ally financial had no legal right to charge of the loan. Letter dated XX/XX/XXXX from Ally was to inform me the loan was now charged off due to missed payments this information is incorrect furthermore Ive continued to make the monthly payments. Ally had no legal right to charge off the loan. They failed to conduct a reasonable investigation when verbally requested on XX/XX/XXXX with XXXX whom I was transferred to by another representative from Ally 's total loss department after contacting them at XXXX and assured me they would allow 30 days to attempt to resolve the pending GAP claim prior to charging off the loan ( documents have been included to show proof ) they provided inaccurate information about me to the credit bureaus and used fraudulent information in taking action to do so. My concern is that the lack of communication between departments or properly documenting pertinent information to be easily accessed among the different departments is resulting with substantial harm and inconvenience to its customers. 

Ally financial has violated provisions of federal Fair Credit Reporting laws by failing to provide accurate information reported to credit bureaus. 

On my last communication with Ally Financials Asset Recovery Departments on XX/XX/XXXX XXXX I was told by XXXX that the reason the loan was charged off was due to the deficiency balance after my Insurance company attempted to pay off the auto loan for payment amount Ally received and processed on XX/XX/XXXX if the details of that statement were accurate? why wasnt the loan charged off as of XX/XX/XXXX Instead Ally verbally confirmed the loan was charged off on XX/XX/XXXX. As I have not violated the terms of the loan agreement and the loan has never been in default why was the loan charged off?
Consumer complaint received 2020-09-14
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. (NJ)

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters that have gone unanswered to date which has caused immeasurable stress.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. These items are incorrect and I am requesting that the item be removed. Please reinvestigate these matters and delete the disputed items as soon as possible.
Consumer complaint received 2020-09-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

Recently showed in my Credit History ( XXXX ) that some Collection agency ( named I.C. Systems Inc ) added and worth {$120.00} in my bad debt. I am wondering about that amount come from in my credit history which impacted from last XX/XX/2020. 
But I have nothing pending in that amount so far. 
I found their Contact number from XXXX Portal and called 3 times. Unfortunately the customer service don't know either. Each time they transferred my call to some other division but after waiting and listening some music call dropped. 
I should mention that, so far in last one year I didnt receive any Mail, Email or any Phone call from that above organization/ agency.
Consumer complaint received 2020-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

After verification process the outstanding balance on credit card is not valid and is miscellaneous debt. Credit card issued by the Wells Fargo bank was not sign in order to ensure that the business upholds and maintain security as promised in consumer Contract. In clear violation of consumer privacy acts. Without a signature verified on back of credit card, credit card can only be used by business as a form of identification. Stating otherwise will result in perjury. Risk factors and discrimination for at risk status. False and defamatory available if necessary.
Consumer complaint received 2020-09-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (NY)

Since XX/XX/XXXX I have been receive phone calls from a company called XXXX XXXX. First call was to let me know about what they had in their offices. I then told them to please don't call me again but there have been three other phones calls since then. They use a robot call to bait you into having to speak to a real person. The second time they called me I did mention to them that I asked not to be called again but no one seemed to listen as person after to person hung up on me. O called them three times to make sure they knew not to call me again but that didn't stop them because to other attempts were made. If you have rights and you enforce them then way don't they listen?
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MO)

After checking my credit report and finding a collection for Enhanced Recovery Company. I had not received any notice from Enhanced Recovery Company regarding the alleged debt. I sent a dispute letter to Enhanced Recovery Company, dated XX/XX/2021 via USPS Certified Mail, requesting further information and disputing the account in accordance with 15 U.S.C. Sect. 1692, requesting that I either receive further validation and verification within 30 days or that the account be deleted from my credit reports. 

Enhanced Recovery Company received the letter on XX/XX/2021. Enhanced Recovery Company notified XXXX and XXXX of the dispute by adding a comment that the account information was disputed and that is met FCRA. I did not receive a response from Enhanced Recovery Company within 30 days. 

So, on XX/XX/2021 I sent a second correspondence to Enhanced Recovery via USPS Certified Mail Receipt, requesting that the account be deleted from my credit reports as they did not send a response within 30 days of receiving my certified mailed dispute letter. Enhanced Recovery received my request to delete the account on XX/XX/2021. 

The account is still showing on my credit reports. I sent letters with copies of the correspondences and USPS Tracking Delivery Confirmations to XXXX  and XXXX via USPS Certified Mail Return Receipt, carbon copying Enhanced Recovery on both mailings.
Consumer complaint received 2020-09-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX I tried to purchase a money order in the amount of XXXX and the store owner told me the transaction was canceled due to me pulling my debit card out to fast and I never received my money order and my bank wells fargo hasn't given me my money back, I have tried to contact wells fargo multiple times but I'm still not getting my money back.
Consumer complaint received 2020-09-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (FL)

Due to the Covid outbreak I could not pay my lender, The Money Source ( loan # XXXX ) my XXXX payment of {$950.00}. I called them on several occasions only to incur very long wait periods. When I couldn't get through via the phone, I took to e-mailing them. They said that they would reply back within 48 hours, but never did. I was fortunate enough to have been able to sell my property. The closing date was on XXXX XXXX, 2020. I paid The Money Source {$120000.00}. they were paid in full. I have never missed a payment in the 3 years that I have had this loan. At closing I noticed that the pay off was far different from my XXXX Statement. Not only did they report me to the credit bureau for missing XXXX 's payment, but they charged me {$2100.00} more because I missed 1 payment. I'm sure that they are entitled to the XXXX payment and a late fee, but they have charged me {$1200.00} worth of interest. I thought at the time of closing that they were also charging me XXXX 's payment even though I e-mailed them and told them that they would be paid in full on the tenth. Today XXXX XXXX I called the Money Source and explained my dilemma. Their reply was that the additional {$1200.00} was an interest payment. I'm sorry, but I've been making my mortgage payments, while struggling through Covid. I had to sell my house because I could not afford to live in it anymore and they go and ding my credit and charge me an outrageous amount, all because I missed my last month 's payment.  The fact that they went to the Credit Bureau without replying to me is ridiculous. I didn't receive any certified letters stating that I was delinquent. I also had a problem with them paying my insurance policy on time. I received notice from my insurer that XXXX XXXX XXXX had not delivered the funds which were in escrow. It was rectified, but maybe the insurance company should have charged them interest. This is a HUD loan.
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (VA)

Lost my job due to covid. They wouldnt let me defer payments or lower my payments. I have unable to get unemployment. Just received my backpay and they repossessed my car. Told me I have to pay what I owe in full plus interest and late fees and repossession fees. Theyve been calling me 100 times a day non stop back to back everyday.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Instarem PTE Limited (CA)

I placed a money transfer for {$5500.00} on XXXX through INSTAREM ( XXXX ) to my mother in law in the XXXX XXXX XXXX ), for purposes of building my house there.. I've made 10 similar transfers over the last six months. They inquired for a second time about our relationship and purpose, so I told them again. My money transferred to their New York account on XXXX, and since that time the transfer has not happened, still " processing ". I've contacted them through email and chat approx. 15 times, and I'm just getting apologies and we're working on it. I feel as though they are holding my money, and not responding to my concerns ... I'm not sure if it will ever be released. I asked 3 times for a refund, and they just tell me to hold on. It's been almost 2 weeks since my order was placed on XX/XX/XXXX.
Consumer complaint received 2017-12-15
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NC)

Navient has called me several times a day for the last 3 months. I have spoken with one of  their representatives and let them know that I would get back to my regular payments as soon as I could. I told them that I recently had a child and it could be a while before I was no longer past due. They told me they would notate it on the account and then asked me how much I was going to pay today ... ... After that conversation I continued to receive multiple phone calls daily and now they are reaching out to my relatives and in-laws to get a hold of me. At this point I will not be paying them a dime. I will claim bankruptcy before I pay them!
Consumer complaint received 2020-09-14
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. (TN)

On XX/XX/2020 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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 for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-14
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-09-14
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. (NJ)

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters in the past with no response and this has become a very stressful situation.
Consumer complaint received 2021-01-25
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. (NJ)

The XXXX XXXX address that is listed on my credit report - I have never resided at that residence. This item needs to be removed - there have been several instances in which I get asked security questions about this address as if I lived there. The other addresses that are listed are correct. I asked this items to be removed before and i dont believe it was fully removed. across all reporting agencies.