davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

XXXX XXXX has an account on my Equifax file that is outside of the federal obsolescence time frames for remaining on the file. The XXXX delinquency prior to charge off was before XXXX. I disputed this with all XXXX bureaus. XXXX XXXX and XXXX properly removed the item. Equifax left it on which puts them out of compliance with the Fair Credit Reporting Act and ( at the very least ) guilty of negligent non-compliance under the Act. The account number is listed as XXXX. The open date is XXXX. They list an activity date of XXXX ... but this was an adjustment date by XXXX XXXX and not a payment date that brought the account current.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

I have contacted equifax credit collection agency four times regarding this issue and disputed it. They refuse to remove in the comment sections, " consumer disputes, reinvestigation in progress ''. There are XXXX entries from XXXX and XXXX entries from XXXX XXXX XXXX. I am trying to get an FHA mortgage and close on a loan in 2 weeks. Their guidelines state I ca n't have any open disputes on my credit report. These XXXX creditor have XXXX entries together. I have not done business with these creditors since 2011. My loans were transferred or sold by them to another lender. I just need the words " consumer disputes, reinvestigation in progress '' Please have them remove them asap so I can get my home loan. I do n't want to lose a home I really want to own. I have a really good credit score. When I call equifax I get someone in XXXX. They ca n't understand what I say. Please help me. I have attached the XXXX entries. Please see what I am looking at in the comments section.
Consumer complaint received 2017-02-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (NJ)

I traded my car in and purchased another one. The dealership looked over the car and there were no issues. Car was harly used an way under allotted mileage. Six weeks later i get a bill from Ally that I owe {$500.00}. I contacted them and apparantly there was a scratch on the bottom bumper. They decided that it would cost {$500.00} to fix this. How did they come up with this amount? In addition who is to say the damage didnt happen in the six weeks I was no longer in possession of the car. In addition, in XXXX XXXX the car received a parking ticket from XXXX XXXX. During the date of the ticket my family and I were travelling and not in the country. Long story short, the person who wrote the ticket put the wrong plate numbers. The ticket was issued to a XXXX XXXX and my car was a XXXX XXXX XXXX. I got it taken care of an the judge dismissed the ticket because of course it was invalid. This was the same time ally was trying to sell my car. The ticket came up and they paid it, never letting me know. I faxed them the ticket, with the registration showing it was an invalid ticket as the license plate was for a XXXX XXXX not a XXXX. I also faxed them the judge 's dismissal that the ticket was invalid. This was faxed on XXXX. I continued to receive bills from them for the {$500.00} and {$15000.00}. I called them today. I was told the ticket they paid was not the ticket that I faxed them. They received my fax but since they feel it wasnt the ticket they paid they disregarded it. I asked what other ticket, representative coudnt tell me. I asked to speak to a supervisor, I was told this is not a supervisor issue and he woulnt transfer me. At this point I feel like Ally is trying to extorate money from me.
Consumer complaint received 2016-12-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

My wife and I had XXXX vehicles that were both damaged in a series of hail storms that blew through our area back in XXXX. The damage was enough to total out both of our vehicles. Getting everything sorted out on my truck was easy - XXXX XXXX had a great process that took all of like 2 weeks to sort out from start to finish. 

My wife 's car, financed through Ally Auto, was a total nightmare. 

My account was placed in their version of lock down ; I could n't get anybody to talk with me and the people I did speak with were unable to give me any details. This was an issue as I had a ticking clock to get my XXXX insurance ironed out. Around late XXXX, I was escalated to their 'Executive Customer Relations ' team to try and get everything fixed up. At the same time, I was also chatting online with their chat representatives just hoping to get some answers. Neither department was able to assist me in any real way. I had requested some simple documents from them - stuff like company letterhead with my account number and the address to remit payment to. They were n't able to even provide that! Just as frustrating, the ECR team would take weeks at a time - with me emailing almost daily - between responses. 

After some seriously frustrating phone calls ( and about a month ), the ECR team finally managed to send all of my required documents to my GAP insurance provider. During that month long span, I was still getting on Ally 's chat service and trying to track down the documents myself. Part of that involved asking questions that this rep did n't want to answer. So, he kicked me out of the chat service in the midst of our discussion. My login session had expired so I tried to log back in a few minutes later to reengage in the conversation. Imagine my surprise when I get an alert that said I was locked out due to too many incorrect login attempts! Even more surprising because I had saved my password on my computer ; had n't typed out my password for MONTHS with no problem. 

At this point, I also asked ECR about why the heck this was going on ; I was informed that there was no attempts to lock me out, it was just an automated procedure that kicked in. It all seemed to coincidental - and erroneous due to the type of error I received. They stuck to their guns though - and were quite rude through this whole process. I got fed up with dealing with the ECR team and managed to find contact info for several executives in the organization. I passed along all email threads and asked for them to look into it. After much back and forth, it came to light that it was NOT an automated process that had kicked in. Rather, it was incorrect password attempts - as I had been saying since day XXXX. Whenever this came to light, the individual I was speaking with, XXXX XXXX, started threatening lawyers as a way of strong arming me into staying quiet about the whole issue. 
This whole situation was n't entirely unfruitful though. I finally managed to find my payoff amount. In XXXX. 7 months after I started the process.
Consumer complaint received 2017-04-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (VA)

I had a car loan with Ally bank. My loan was paid off by  XXXX  in relation to closing of a home loan. The payoff amount was more than my balance and now Ally Bank claims not to show any overpayment on my account. And they say that if there is an overpayment, they can hold it for 18 days before refunding me the amount. this is outrageous.     I paid of  XXXX  other loans with VA  XXXX   XXXX  and I was refunded the overpayments immediately.     Ally still wo n't admit there was an overpayment on my account and I have no idea when I will see my money.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed. 

Because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, OR XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo 's website has been down for a week. I have gotten this message every time I try to log in : We're sorry, our system is temporarily unavailable Our system is currently unavailable, and we apologize for any inconvenience. Please try again later or call us : For account questions, please use the phone directory to find the appropriate customer service number. 
To pay a bill : XXXX For assistance with brokerage accounts : XXXX To apply for an account : XXXX ( XXXX ) To find out more about Wells Fargo accounts and services, customer service options, and locations, please go to our homepage. 

I can not log in to view my charges. They will not give me an idea of when it will be fixed. This is particularly troubling because I can not log in to pay my bill, and I have had fraudulent charges on my bill in the last two weeks and I can not log in to ensure these charges were removed.
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (IL)

i have been the victim of online fraud. i paid a company called impact ranking XXXX on XXXX i reached out to visa for help and was told it was not a billing error. i know that it was not a billing error i told them that.this company charged me excessive fees for something i could have gotten for XXXX.they use unfair and deceptive trade practices.i told the bank i was not rendered any service or product.visa could not have looked into this to render me the decision they sent.i am XXXX XXXX XXXX and they just take advantage of the elderly.i feel my visa card should have flagged it immediately.i thought citi had no fraud liability.
Consumer complaint received 2015-12-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

I paid a debt from a debt collection company, that sent me a letter stating that I pay a certain amount to be taken off my credit report. The letter stated I pay 50 % of the bill, that will bring the account to a XXXX balance and it will be deleted off my credit report. I 've called several times after I made the payment because they subtracted the money I paid which made it balance that I would owed. I 've disputed with the credit bureau and submitted documentation to prove my case, but yet, still see this account on my credit report. However, they did bring the balance to a XXXX balance but have not removed it off my credit report. I 've called them since then about this situation and all they have done was give me the run-arounds - but the second time I called, I finally got someone by the name of, XXXX XXXX. She was the one that I told I made the payment but the account was not at a zero balance. She claimed I did n't make the payment on time - so I had to go to my bank statement and tell her what day I paid it on, which was before the date that was stated on the letter. I am filing a complaint today because this company is not a worthy company. They show poorly representation and false advertisement, per documents! I was to pay {$190.00} which include {$7.00} for a collection fee but ended up paying that collection fee twice. Just to clarify!
Consumer complaint received 2023-02-01
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 credit report with Equifax is showing that there was a XXXX flexible spending credit card ( account ending in XXXX ) that I was listed as an authorized user for. The report says the account was opened on XX/XX/2016 and ended up getting closed and sent to collections with a {$2100.00} balance that was never paid. I never opened an account with XXXX or agreed to be an authorized user on any cards owned my XXXX. 

I've called XXXX 's multiple times over the last 2 months to get this removed. I submitted a fraud ticket and was supposed to get a call back in 14 business days, they never called back. I called again and when through the same song and dance and they were supposed to call be in 48 hours once they got " manager approval '', and they never called me back. They have not been able to find any information about me in their system- they don't have any accounts that pull up under my name or social security number. When I asked them to then send a letter to the credit bureau with this information, they said they can't do that because they don't have information about my account.

Then, I disputed this account with Equifax ( mind you, the other two credit bureaus have removed this from my report ). They responded to the dispute and said the information was accurate. I'm not sure how they were able to prove this if XXXX 's themselves didn't have any information about this account, but I digress. 

Now I am at a loss because XXXX 's doesn't have any information about this account, and the only way I could remove the account with Equifax was to get a letter from XXXX, which they won't provide to me.
Consumer complaint received 2016-09-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Hood & Stacy, P.A. (AR)

Paid back in the fall of XXXX to a debt collecter, sold again after paid to XXXX and XXXX in XXXX XXXX, AR they apparently filed a judgement but never tried to collect, I went around and around with them and XXXX finally got it clear up and off my credit record bought and sold three houses in XXXX some debt collector name Hood and XXXX XXXX, Ar refiled a judgement on me that has kept us from selling our house. Debt collector made mention in letter why I thought it was paid. I do n't keep records that long but I did contact my bank where I bought and sold home it shows paid, verified by the credit bureau and show on my credit report in paid status with the date, I have ask hood and XXXX to verified this debt and they refuse, but continue to hold judgement on me. I have called there office they have went from XXXX to XXXX to XXXX
Consumer complaint received 2017-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (DE)

I started receiving calls from ERC collection company about a enormous phone bill from XXXX for a period in which I did not live in the country. Besides many attempts of explaining the situation ERC posted a collection on my credit report resulting in my scores being lowered and bad credit history. Inorder to settle this matter amicably I agreed to pay ERC a negotiated payment so that they remove the unjustified report from my credit history. They collected payment from me however they now refuse any form of communication and my credit score has been below good which is effecting my decision.
Consumer complaint received 2023-02-23
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)

I've recently been a victim of identity theft. I disputed an unauthorized credit card and several inquires that was reporting on my consumer report without my consent. I was able to contact the Person making the report to cease furnishing fraudulent account on my consumer report, as I was not the one who made the authorization. during the investigation the account was removed and I received notice from equifax that all three inquires reported on FTC report was removed XX/XX/2023. ( ( please see attached documents ) ) I checked my consumer report and discovered that the notice was in fact false! one of the three inquires remains on my consumer report and continues to damage my consumer report. You have caused me and my family a great deal of mental anguish with this erroneous reporting of fictitious information. I have tried to reach your office several attempts concerning this matter with absolutely no help to resolve this inaccurate reporting. these are direct violations of the FCRA for reporting inaccurate information on a consumers report to whom it relates. I have called your office on a recorded line and showed your employees and several managers of the error and inaccurate reporting and still no remedy. This has stoped/slowed my ability to obtain credit do to having ERRONOUS AND FRAUDULENT inquires reporting to my consumer report that YOU EQUIFAX, CLAIMS TO BE A FACTUAL RECORD ITEM ON THE CONSUMER REPORT, WHICH IS IN FACT FALSE AS YOU CAN SEE with attached documents. I AM GIVING MY WRITTEN CONSENT TO REMOVE THIS AND ANY OTHER FRAUDULENT INQUIRES THAT REFLECTS ON MY CONSUMER REPORT!

15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate!

15 U.S.C 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact inaccurate.
Consumer complaint received 2015-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (KY)

I received a call from E.R.C. on my cell phone. They were trying to collect a debt from XXXX XXXX from XX/XX/XXXX. This account was paid in full. They had my name and mailing address, and even told me a balance due. I told them I would call back. 

Upon returning their call, they asked for my social, which I refused to give out over the phone. They then told me that they could not discuss my account without my social security number. I told them to stop calling me if they could not discuss my account without information that could be verified without personally identifiable information. I have never received a letter, reference number, or any further correspondence until today ( XX/XX/XXXX ). 

I have researched the company online, and there are numerous complaints regarding their questionable practices. 

The number from which they contacted me : XXXX ( XXXX XXXX XXXX, USA
Consumer complaint received 2015-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (NC)

Was charged for an internet modem. The modem was deposited into a return bin at XXXX. I called two days later to confirm they had recieved it and they said that they did and that everything was satisfactory.
Consumer complaint received 2016-07-01
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ERC (CO)

ERC has called my office every day for the past week regarding debt. They do not say anything, they simply call and it goes to dead air. I work in a XXXX person office, that 's me and my boss. My boss gets the voicemails. So I have no idea who calls unless I answer. I googled and called the number back to get the office number removed from their list. But they are calling me AT WORK. I could lose my job, and never be able to pay any of the debt I have again. I am doing what I can to pay off my debt, I do not need to feel threatened everyday.
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

XXXX XXXX is reporting that I owe them {$280.00} to all XXXX credit reporting agencies ( XXXX, XXXX and Experian ) for account I never open and address did not live. I have attached copy of lease of my residence I lived during the time XXXX claims I had service with them.
Consumer complaint received 2016-06-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (GA)

XX/XX/2015 I received a notice from ERC collections that I owed {$170.00} to XXXX XXXX XXXX. It stated that if I paid {$99.00} it would settle the debt. I immediately went and got a money order and sent it to them. XX/XX/XXXX I was notified by my credit monitoring company I had a negative collection reported. I found that it was a totally different company saying I owe the {$72.00} balance, XXXX XXXX. I called ERC and got proof that I paid the settlement amount and it is a paid account. I submitted XXXX disputes to every credit bureau. XXXX and XXXX deleted it within days. XXXX on the other hand, I have filed XXXX disputes and they will not recognize that it is a duplicate that was incorrectly sold to another collection agency. I do n't understand how company 's can just say a person owes something when they have proof they paid it. This is unfair to all the people that pay their bills. Sadly, I still do n't even know where the bill came from! I just paid it because I wanted it to go away but I refuse to pay the balance after I paid the {$99.00} like I was told to do. XXXX is terrible and our government should not let these companies have as much leeway as they do. Collection agencies should have more restrictions on them. Being able to just charge someone for something because they want to is not fair credit reporting!
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I filing this complaint IN regards to the situation evaluated and it were once deleted several times and place back on my Credit file at least three times .One of the issues IS THE status Judgement with XXXX XXXX XXXX XXXX XXXX car dealership, and the all the reporting Cable Companies, due to no contacts sign and FALSE information. The XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Companies. These Companies does n't have t he right to put any files without a sign contacts or the HIGH EXPENSE amount they say, I owe them. 'Thank you, XXXX XXXX XXXX
Consumer complaint received 2015-04-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (OK)

In XX/XX/2013, I disputed an account that was reflecting on my credit report with XXXX and also XXXX. I also sent a request for validation directly to the collection agency. Soon after, the account was removed from both XXXX and XXXX credit reports. 

After checking my credit recently, I noticed this account has reappeared on my credit report, specifically it is reporting now on my Equifax credit report under another agency. I have tried contacting the bureaus directly, Monday XXXX XXXX regarding the removal of this account but have not received correct information to resolve.