davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
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. (TX)

My information is being merged into my sisters credit report. I first contacted the three major credit companies in XXXX. I struggled to seperate me and my sisters information, but XXXX  and XXXX finally fixed it a few years ago. Since then I have contacted Equifax by mail and phone, However, EQUIFAX has yet to do anything about it. In approximately XX/XX/XXXX I attempted to purchase a vehicle and was denied due to the equifax report. I contacted equifax again and submitted all requested info but never heard from them. I recently called them by phone and now they are requesting all documentation again. I could send it however I have done so repeatedly for the past 20 years. At this point I no longer believe them. I need help to obligate them to fix my record.
Consumer complaint received 2016-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (GA)

Several years ago I started receiving notices from a debt collector for a {$9.00} charge to XXXX XXXX XXXX. I had never received a bill from XXXX XXXX XXXX for this amount. My first step, as is typical when the first notice I receive that I owe any amounts is from a debt collector, was to send a letter to the debt collector asking for proof that I owe the money. I indicated, as is true, that I was happy to pay the {$9.00} provided they could prove that I actually owed the debt. I also explained that this was the first notice I had received that I owned XXXX XXXX XXXX {$9.00}. 
Apparently this is for long distance service, which I have no recollection of ever having long distance with XXXX XXXX XXXX and, since I have had a cell phone for more than 15 years, it has been at least that long since I have needed long distance service. 
I received no response from that debt collector but in a few months I got another letter from a different debt collector for the same amounts. I did the same thing with this debt collector that I did with the first and sent a letter asking for proof, committing to pay the {$9.00} provided it was actually my debt and they could satisfactorily prove it was mine. That debt collector sent a response that only indicated that the amount I owed was some much larger amount. No copy of a statement from XXXX XXXX XXXX, no XXXX XXXX XXXX ledger indicating a total amount owed and a payment made that was {$9.00} short, nothing. 
After that I heard nothing for a long time. But now, I have recently gotten a bill from XXXX debt collector. Additionally, I have noticed on my credit report that they have reported to credit bureaus that I am behind on a payment. 
Apparently I am going to have to get the CFPB involved to get this resolved. I reiterate, I am happy to pay the {$9.00} if they can prove that I owe it. I wo n't pay any other fees since no one ever bothered to provide me with a bill that shows I actually owe the money. I also want my credit report cleaned up. I never neglected this payment or any request for payment. XXXX XXXX XXXX neglected to bill me for it and XXXX different debt collectors neglected to respond to my request for proof. That does n't make me behind in my payments. Please help.
Consumer complaint received 2016-06-26
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (AZ)

I applied to Big Picture loans for a loan in the amount of {$400.00} plus a {$100.00} finance fee. After I received my money and made my first payment ( which was the finance charge ) I called to check the status of my balance and I was told it was still {$500.00}. I just made another payment of {$100.00} and was told that was a finance charge payment. They told me there are actually XXXX installment payments and I should try and pay more or pay the entire amount. This has me in a loop of trying to pay something off that charges me more than what I borrowed
Consumer complaint received 2015-10-22
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (MI)

Calling XXXX a day for well over a month and leaves blank voicemails most of the time. I sent a certified letter asking for proof of the debt and to stop ALL communications until this has been done. So far that letter has been completely ignored which is why I am contacting you. They are not only calling me, but also other people that I know which have nothing to do with anything loan related.
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NJ)

I was applying for a mortgage and I discovered on my credit report a {$110.00} debt from years ago owed to XXXX. I have never been contacted by XXXX nor the debt collector and I also have never even had an account with XXXX. I called XXXX, who referred me to the debt collection agency, and they provided an account number. When I called XXXX with that account number, they acknowledged that the address they had on file was one that I had never lived in. Further, they do not have my social security number or any other of my personal information on file, confirming that I have never had an account with them. However, they are still making me jump through hoops just to attempt to remove this debt, including filing a police report for " identity theft '', when in reality my identity had not been stolen as my personal information has not been compromised.
Consumer complaint received 2015-12-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (VA)

XXXX XXXX I verbally filed a complaint about daily harassment calls with FTC Consumer Fraud Division File XXXX XXXX XXXX XXXX on ERC Debt Collection Agency. A recorded message asking for " XXXX XXXX re claim XXXX XXXX. If I am not XXXX XXXX disregard this call if I am call XXXX XXXX XXXX. '' On XXXX XXXX I talked with a ERC rep and told them I am not XXXX XXXX and to stop calling. ERC continues to call daily. 
Times : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. This is to update you with more info re my complaint # XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-15
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Big Picture Loans, LLC (KS)

I am a single mom of XXXX kids, needed to tag new car I just bought. I went on the internet to apply for an internet payday loan. I applied for the loan for {$600.00} originally. I was told that I could pay it back over a period of time beginning XXXX/XXXX/2016 ; of which that are making me pay it back starting on XXXX/XXXX/2016. I was never told about me having to pay {$150.00} in interest every two weeks, ( there is no way I can afford that ), which does not go against the principal amount borrowed. this is what is included in the contract : ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
556.7963 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$2600.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$600.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. 
{$3200.00}
Consumer complaint received 2017-03-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (OH)

I have an unverified account from ENHANCED RECOVERY CORP. I had previously disputed this account. I have never done business with ENHANCED RECOVERY CORP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY CORP provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY CORP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2016-06-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ERC (MO)

They continue to send me bills in regards to this debt in addition they are reporting this debt incorrectly. This debt was discharged in bankruptcy and is still being reported as open. I have called them and sent a letter to no avail. I want the harassment to stop as well as my credit reported corrected.
Consumer complaint received 2017-01-30
Product: Prepaid card — Payroll card
Issue: Advertising, marketing or disclosures — 
Company: Neon Newco Corporation (NY)

I received a prepaid card in the mail from netSpend, ready to activate. This is not ok- it 's dangerous to send a ready-to-activate card that anyone could intercept. Additionally, this card incurs all sorts of fees for any type of service you use if for, so it 's very misleading and like a trap.
Consumer complaint received 2015-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

This is a continuation from earlier, This retaliatory ( eviction ) Unlawful detainer, to evade laws and accountability, has some incompetent jurisprudence/bias, and these stupid blunders from county clerks, hurried up and reported subreption, idiots!!!! LIKE I said earlier with transunion 's blunder, ALL ___XXXX credit reporting agencies____ need to be accountable. There arbitrary denial to allow me to view online, unless I pay. OTHERWISE I have to wait until XXXX, 2015 to legally get a report free of charge. This XXXX slumlord was reported to XXXX code inspectors for countless state law violations, of trying to defraud me with unrentable worthless property. This XXXX retired XXXX decided to abuse his authority and my due process rights and rewarded criminal negligence, fraud, and tortious breach of implied warranty of habitability, NOW I appealed this to the California XXXX XXXX XXXX, this careless idiot, circumvented irrefutable proof. Hardly a rock solid case against myself and my wife ( OBVIOUSLY THE INJURED PARTY ) bias/incompetence and judicial misconduct does n't allow this sloppy, inaccurate, harmful errors!! LOT of controversy here. PLUS, I have rented 35 years, NEVER been evicted. emphasis added. I do n't start now, because I moved to an homeless dreg, no income town, full of complacent slumlords, and sloppy code compliance, this defunct city of XXXX, ca is also grossly negligent, breach of there statutory duties. INTERTWINED ISSUES, DISGRACEFUL XXXX OF JUSTICE. Incompetent reporting of deceit to harm me and my wife is a TORT violation.
Consumer complaint received 2017-01-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (TX)

EXEMPT PROPERTY ( AUTOMOBILE ) WAS INADVERTANTLY INCLUDED IN DISCHARGE OF CHAPTER XXXX BANKRUPTCY ON XXXX XXXX 2015. THE AUTO LOAN WAS PAID CURRENT UP UNTIL THE DATE OF FILING THE BANKRUPTCY FOR REASONS UNRELATED TO THE AUTO LOAN. UPON DISCOVERING THE AUTO LOAN WAS DISCHARGED IN ERROR, I CONTACTED ALLY FOR RESOLUTION AND WAS KINDLY REQUESTED TO SURRENDER THE VEHICLE AS PART OF THE BANKRUPTCY REQUIREMENTS. I SURRENDERED THE VEHICLE AS REQUESTED. RECENTLY I HAVE DISCOVERED A CONTINUED INACCURACY OF INFORMATION ON ALL THREE OF THE MAJOR CREDIT REPORTING AGENCIES FROM ALLY FINANCIAL WITH REGARD TO THE STATUS OF MY AUTO LOAN THAT WAS DISCHARGED WITH A VOLUNTARY SURRENDER OF THE COLLATERAL IN THE CASE THAT WAS CLOSED ON XXXX XXXX, 2015. THESE REPORTING ERRORS FROM ALLY FINANCIAL HAVE CAUSED SIGNIFICANT DAMAGE TO MY FINANCES, CREDIT AND ABILITY TO HAVE A FRESH START AFTER THE CHAPTER XXXX DISCHARGE RESULTING IN FURTHER DAMAGE TO MY LIFE ( I CURRENTLY AM WITHOUT A VEHICLE DUE TO INCORRECT REPORTING OF MY CREDIT STATUS WITH THE DISCHARGED AUTO LOAN -- BANKS WILL NOT FINANCE ONE VEHICLE FOR MY FAMILY BECAUSE THIS REPORT TECHNIQUE IS VIEWED AS A REPOSSESSION AFTER BANKRUPTCY DISCHARGE ).
Consumer complaint received 2016-05-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (WI)

Today is XX/XX/XXXX. I have had 4 phone calls from Ally Financial today. I am only 9 days late on my payment at this time. There are days that Ally will call me up to 6 times a day. They also call before XXXX!
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Your Report Number is : XXXX Your Investigation ID is : XXXX After obtaining a copy of my credit report i noticed an outstanding account that i did not recongnize. I submitted an a Dispute online. Experian seems to only have " validated '' the account without apporpriately verifying and investigating the account. I have visited the original creditor and obtained a statement of all accounts which apply to me. This account is not listed. and no records were able to be obtained. Experian allowed me to notate on the account my dispute but would do nothing further to resolve the situation.
Consumer complaint received 2017-02-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MD)

It 's a lot of things on my credit that were paid but, still reflects negative readings which is n't allowing my credit score to elevate accurately. XXXX XXXX, XXXX and XXXX are the XXXX main negative items that weighs heavy on my credit report which is preventing me from purchasing my first home.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX XXXXXXXX Balance : {$13000.00}
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

My problem with Experian report, credit item XXXX XXXX XXXX showing filed chapter XXXX on XXXX XXXX last report, that is Totally wrong, I filed BK chapter XXXX on XXXX XXXX XXXX first time I disputed was on XXXX because experian show BK chapter XXXX and they change it to CH XXXX, but they mist up that Account must remove from the report by XXXX XXXX but still until XXXX XXXX. 
I disputed several times for last two years and every time I disputed the Result comes worse than before, like Account is scheduled to continue on record until XXXX XXXX and XXXX XXXX and XXXX XXXX and last one until XXXX XXXX, so every time i disputed it show like I just filed BK. 
I send them all documents like court order, date of filing and discharge date, and I ask them to give me they source and they never did, XXXX Information on the report its wrong I tried to contact with them but wrong INFO. XXXX XXXX XXXX on the report is XXXX XXXX XXXX TX XXXX. I got mail back, and phone number XXXX is disconnect. 
Please I need your Help, I 'm not asking for fever I 'm asking for my right. 
by the way all accounts are removed from my credit reports XXXX XXXX except XXXX, and if you need any more documents let me know. 
Thank You,,
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I have disputed this item with the credit reporting agencies ( XXXX, XXXX, and Experian ). Every time I dispute the item, I receive a response that the item is valid. However, I NEVER receive any documentation that proves that ( 1 ) the debt is valid and ( 2 ) the debt is mine. 

I 'm at my wits end with the massively irresponsible behavior demonstrated by the XXXX credit reporting agencies. Without proof, the credit collections company ( XXXX XXXX XXXX ) has absolutely no right to place this item on my credit report. 

Please help me resolve this issue. THIS IS NOT MY DEBT, AND I REFUSE TO PAY FOR A DEBT THAT IS NOT MINE. 

Thanks, XXXX XXXX
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (CA)

I have a $ XXXX/mo credit monitoring account at XXXX. It was setup under a free trial 6-8 months ago, but I have been unable to cancel. My membership no is XXXX. The company requires calling XXXX to request cancellation. I do that, but the message says service representatives are busy. After 30 minutes or so the line just hangs up. I have no way to cancel these charges, for a service I do n't want and never intended on using.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (NC)

I brought up several issues about someone stealing my identity in my prior complaint and we are now on day 35 and nothing was done regarding the original case number. They generically replied " We believe the inquiries are factual '' without actually looking into them. 
Other credit bureaus, such as XXXX and XXXX, have addressed some of the issues I brought up. Experian simply ignored my request to investigate or remove the unauthorized, fraudulent inquiries from my account. This is severely affecting my ability to apply for credit and get approved or get a decent interest rate despite my flawless payment history. 
I also tried to follow through via phone call to Experian Customer Service earlier this month on two separate occasions. To their credit, XXXX inquiries were removed almost immediately. However, they have still not removed the other ones that were unauthorized. They have only told them XXXX company responded ( XXXX XXXX XXXX, where I was originally alerted the fraud of all cases! ) and said they would not remove the inquiry. They stated the rest are still pending, but it has been over 7 weeks since I brought up my original complaint! This should have been properly resolved at the latest over a week ago under the 30 day response period. 
I am attaching images of XXXX of the checks that the XXXX XXXX XXXX checking account fraud department addressed. It seems that no one in the credit card department actually did anything and that they do not talk to the checking account fraud department. I also have voicemails on my cell phone with people trying to scam me telling me what my social security number and address is and trying to get me to pay a non-existent debt via XXXX XXXX or I will be arrested at work.
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NC)

I FILED A DISPUTE WITH EXPERIAN CREDIT BUREAU ABOUT MY COMPLAINT OF XXXX REPORT OF PAYMENTS OF {$120.00} A MONTH WHEN MY PAYMENTS THAT WERE MADE WAS {$170.00} A MONTH SINCE XX/XX/2016 THRU XXXXWITH TWO PAYMENTS MADE XX/XX/2016 OF {$170.00} EACH. THE ENDING BALANCE IS INACCURATE AND THE MONTHLY PAYMENT AMOUNT IS INACCURATE. I HAVE SUBMITTED BANK STATEMENTS TO REFLECT THE ACTUAL PAYMENTS MADE TO XXXX BY BANK DRAFT
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have disputed this with the Credit Reporting Agencies and with the credit card company. The credit card company has admitted that this was a fraudulent attempt to open a line of credit in my name and that they would have the inquiry removed from my credit. It has been 41 days since I was told it would be removed. I was told it might take up to 30 days to be removed. Why does it take so long to be removed? I certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will effect my interest rates. I want this removed immediately!
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (PA)

I relocated to the XXXX area for work and rented a small apartment for 6 months. The last month 's bill was not forwarded to my address which I had left with the rental agency. The debt of {$59.00} was sold to XXXX XXXX XXXX by XXXX XX/XX/XXXX, 3.5 years after I had moved out of the apartment. I was not aware of the any debt being owed to XXXX. When contacted by XXXX, I stated I was unaware of the debt, but researched it and determined I owed the amount. I agreed to pay XXXX and was told that my credit bureau would not be impacted due to the circumstances. That payment happened on XXXX/XXXX/XXXX. I have followed my credit bureau and my scores have been in the XXXX since that payment was made. My last update was on XX/XX/XXXX and my score was XXXX. On XX/XX/XXXX I applied for a mortgage and was told that my credit score had dropped to XXXX. This was due to a collection account being reported by XXXX XXXX XXXX . The same account that I had paid XX/XX/XXXX. I had contacted the company and was told that the account had a XXXX balance and was being reported as paid in full, which it was, but was also showing as a collection account. What does n't make sense is that XXXX reported the account as a collection account 7 months after it was paid in full and had not been reporting on my bureau during the months in between. They offered to send me a letter confirming a XXXX balance. I inquired as to why I was told by one of their agents that this would not impact my credit when I paid it and was informed that it was their policy to report accurate data to the credit bureaus within 45 days of a debt being assigned to them for collection. I asked for a supervisor and was denied. After a second call, I asked for the trade line be removed and explained my entire situation again. I asked for a billing dispute team and was informed that they would look into pulling the original call to determine what was communicated to me. I attempted to call back a third time to lodge a formal dispute, but was unable to get through to an agent. I was forwarded directly to a voicemail at XXXX est. I made multiple attempts with the same result. I disputed the trade line with Experian, will file a dispute with XXXX and attempt to contact XXXX again. I do n't see how this company can place a trade line on my bureau 7 months after I paid as agreed in full and was told that it would n't impact my credit. I am looking for XXXX to live up to the agreement we made XX/XX/XXXX and remove this negative mark on my credit bureaus.