davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2024-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (LA)

I opened a loan with Hyundai Motor Finance in XXXX. I attempted to trade in the vehicle with a different company on a different vehicle. The new dealership called Hyundai Motor Finance for a payoff amount and the employee of Hyundai Motor Finance gave information from my account to the new company without permission and told the new company not to do business with me because they claimed my loan was in default. 

My loan was not in default, there was an issue with a deferment agreement and they put my account in default without resolving the deferment agreement issue. 

The new company refused to do business with me, and Hyundai Motor Finance is to blame for that. In addition, Hyundai Motor Finance has told me that the actions of their employee violated the law and their company policy. I have made multiple attempts to resolve these issues, but Hyundai Motor Finance keeps adding excessive interest to my account and claiming I own them more than double the amount of the note. 

I attempted several times to make payments on the note, only to be refused by their website. I called them and they told me I am had to pay a charge to make payments over the phone even though the web page payments are free.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

iam a victim of identity theft and i ve never used my credit i found these fraudulent accounts on my credit report and i dont even know how they reported with me knowing or receiving anything this is illegal as of 15U.S. Code 1692g validation of debts and in accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and all these inquiries XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, a collections company XXXX XXXX XXXX opened a report for {$1100.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

There is an account that belongs to my XXXX  sister on my report I continue to tell them this and they verify they do not have my information in their sustem My sister called them and they are reporting it correctly to her credit report but also to mine This account has my sisters ss # and her name but they wont remove it from my report Im XXXX XXXX XXXX My sister is XXXX XXXX We are XXXX and my mom gave us both the same first name and she has a middle name but I do not
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, Equifax XXXX XXXX have an incorrect address list for and its XXXX XXXX XXXX, Apt XXXX, XXXX GA XXXX. This address is not associated with me more has it ever been, Ive never used or listed this to be my address and my address is XXXX Colorado XXXX XXXX XXXX GA XXXX.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

This error has caused me considerable inconvenience and potential financial harm, as the mixed account does not reflect my financial history or actions. I am concerned that this inaccuracy may impact my ability to secure loans, credit cards, or other financial services.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

Accounts : XXXX XXXX Bank - {$9200.00} - Date Opened - XXXX XXXX, XXXX  XXXX XXXX XXXX - {$4000.00} - Date Opened - XXXX. XXXX, XXXX  XXXXXXXX XXXX XXXXXXXX - {$800.00} - Date Opened - XXXX XXXX, XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX IL, XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

XXXX : ACCORDING TO XXXX XXXX XXXX 1997, XXXX IS SUPPOSED TO ENSURE MAXIMUM POSSIBLE ACCURACY. THIS ACCOUNT VIOLATES THESE LAWS. 15USC1681I, 15USC1681S-2. 15USC1681I ( 5 ), 15USC1681E ( B ). DELETE ACCOUNT According to FCRA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX : ACCORDING TO XXXX XXXX TRANSUNION 1997, XXXX IS SUPPOSED TO ENSURE MAXIMUM POSSIBLE ACCURACY. THIS ACCOUNT VIOLATES THESE LAWS. 15USC1681I, 15USC1681S-2. 15USC1681I ( 5 ), 15USC1681E ( B ). DELETE ACCOUNT According to FCRA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report
Consumer complaint received 2024-11-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (TX)

To Whom It XXXX Concern, I am writing to express my frustration and disappointment with Shellpoint Mortgage XXXX 's handling of my insurance check related to the damage caused by Hurricane Beryl on XX/XX/year>. The lack of urgency and repeated delays in processing this matter have caused unnecessary stress and delayed critical repairs to my property. 

After filing an insurance claim, I received a check for {$6900.00} and sent it to Shellpoint Mortgage via certified mail on XX/XX/year>. I was assured by a representative that the check would be processed and returned within XXXX business days. However, weeks passed, and I was informed that the check could not be located. 

Subsequently, I worked with my insurance agent to issue a replacement check. Before mailing the replacement, I contacted Shellpoint to request expedited processing given the prior mishandling, but I was told the same standard XXXX business day timeline would apply. The replacement check was sent via certified mail on XX/XX/year>, and tracking confirmed it was received and signed for by Shellpoint on XX/XX/year>, at XXXX PM. 

Once again, XXXX business days passed with no update. When I followed up on XX/XX/year>, I was told the check could not be located. I requested to speak with a supervisor but was unable to do so at that time. After escalating the matter further, I finally reached a supervisor on XX/XX/year>, who acknowledged that the check had been received but was sitting in a backlog of letters yet to be processed. 

This level of negligence and delay is unacceptable. It has been over XXXX and a half months since I began this process, and my roof remains unrepaired due to Shellpoint 's mishandling of the insurance funds. The funds do not belong to Shellpoint, and holding them for an unreasonable amount of time is both unprofessional and detrimental to your customers. 

I demand immediate action to expedite the processing of my check and a written explanation for the repeated mishandling of this matter. I also request that Shellpoint reviews its procedures for handling insurance claims to ensure that no other customer endures such an ordeal. 

Please address this issue promptly, as any further delay is wholly unacceptable. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2024-11-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: First Technology Federal Credit Union (NY)

Calls to the credit union are placed on hold, if answered at all. Calls by appointment are not kept. this has been going on since XXXX ( last attempt XX/XX/year> ). I've received an email apology stating there're call volume issues. I've also been penalized with late fees added to my account. I have no issues paying for the outstanding balance.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

On XXXX XXXX XXXX XXXX was reported to be removed off my credit report by experian now its listed as remains. Also XXXX XXXX  with their incorrect information on my credit report is stopping me from getting a vehicle something i desperately need. Life asset have no idea. XXXX XXXX knew they got paid & XXXX was supposed to pay to remaining balance. XXXX XXXX XXXX I asked for original contract. Never sent it
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The fraudulent and inaccurate entries on my consumer report persist despite my disputes. These unauthorized items resulting from identity theft continue to severely impact my financial well-being and cause significant distress.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or XXXX5 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Consumer complaint received 2024-10-07
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Easier Funding, LLC (FL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Subject : Complaint against 60 Day Credit Repair and XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against 60 Day Credit Repair and their associated debt collection company, XXXX XXXX XXXX for unfair and deceptive practices. 

Company Information : 60 Day Credit Repair Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Website : XXXX : XXXX Email : XXXX Details of the Complaint : XXXX. False Promises : I contacted 60 Day Credit Repair to help improve my credit score. They promised that my score would increase by XXXX points within 90 days, guaranteed. They charged me {$150.00} per month for their services. 

2. Failure to Deliver : After three months, my credit score had not increased by even XXXX points, far short of their guaranteed XXXX increase. 

XXXX. Lack of Communication : When I attempted to contact 60 Day Credit Repair about the lack of results, I was unable to reach anyone. My phone calls went unanswered. 

XXXX. Unauthorized Debt Collection : Months later, I began receiving emails and text messages from XXXX XXXX, claiming that I owed 60 Day Credit Repair {$1500.00}. 

XXXX. Contract Dispute : Upon contacting 60 Day Credit Repair, they claimed I was in a contract with them and still liable for the debt, despite their failure to provide the promised services. 

XXXX. Harassment : I am now being harassed daily with emails and text messages from XXXX XXXX for a debt related to services that were not provided as promised. 

I believe these actions constitute unfair and deceptive practices. I am requesting that the CFPB investigate both 60 Day Credit Repair and XXXX XXXX for their business practices, including : 1. Making false guarantees about credit score improvements 2. Charging for services not rendered 3. Failing to communicate with customers 4. Pursuing debt collection for services not provided 5. Harassing consumers through repeated contact I have informed 60 Day Credit Repair that I am filing this complaint with the CFPB. I am seeking a resolution that includes : 1. Cancellation of the alleged {$1500.00} debt 2. Refund of the fees I paid for services not rendered 3. Cessation of all debt collection activities related to this matter 4. Any other appropriate actions to prevent these companies from engaging in similar practices with other consumers Thank you for your attention to this matter. I look forward to your response and any guidance you can provide in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Consumer complaint received 2024-11-09
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

I updated a change of address with the US Postal Service on XX/XX/year>. I contacted my old apartment complex ( located in XXXX ) and explained to the receptionist that my card from EDD may have been sent there by mistake. I was told that if it came I would be notified. I never received a phone call or my card in the mail so I called Money Network and discovered on XX/XX/year> that {$420.00} was withdrawn from a XXXX XXXX  in Arizona. Money Network has not communicated anything in regards to the replacement of my funds. When I called the customer service representatives refused to verify my account on more than one occasion with correct and valid information. I was asked to verify my last deposit for " security measures '' and told I was incorrect and the call was disconnected, employees are facetious and completely dishonest. The app they provide to access account information is also bogus and will not allow you to connect your card to it and says " invalid account information '' - it's my SSN! Complaint was filed with the US Postmaster on XX/XX/year> reference # XXXX. Police report was filed with the XXXX Police Department on XX/XX/year> case # XXXX.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I NEVER GAVE AUTHORIZATION TO ANY OF THESE ACCOUNTS TO RUN MY CREDIT I AM A VICTIM OF ID THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (AL)

I applied for a car loan in XX/XX/year>. I asked that my credit score only be pulled once due to me planning to purchase a home in the future. They acknowledged that they would do so. This was with XXXX XXXX. My score was additionally pulled XXXX or more times for the car loan in a few days time span. When looking for cars or homes You have 14 days to look under the same score. They should not have ran a hard inquiry multiple times without my approval. I did not know this and did not recognize these companies.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.