davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

am submitting a complaint regarding inaccurate personal information on my credit report. My correct address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX, and my correct date of birth is XX/XX/year>. However, my credit report contains incorrect personal information, including wrong addresses and incorrect dates of birth. The accounts that are charged off on my report have wrong DOB & street address that are not mine. As senior citizen this violating my rights This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ), which requires credit reporting agencies to maintain accurate personal information. I request that any accounts or information associated with incorrect personal details be promptly removed or corrected. 



Please investigate and ensure that my credit report reflects accurate and up-to-date information, and that any false data is deleted immediately, in accordance with the FCRA.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Account Name : XXXX XXXX Account # : XXXX has violated my rights. Account XXXX : XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX XXXX Account XXXX : XXXX has violated my rights. Account Name : XXXX XXXX XXXX  Account # : XXXX has violated my rights. Account Name : XXXX XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX has violated my rights. 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnace any information relating to look at summer to any consumer reporting agency if the person knows or has a reasonable cause I believe that information is inaccurate.
Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sezzle Inc. (NV)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute the accuracy of a charge-off account reported by Sezzle In addition, I have never received a Form 1099-C ( Cancellation of Debt ) from the creditor, despite the account being charged off. I respectfully request that the CFPB investigate this matter and compel the creditor to provide the required 1099-C form, if applicable. Furthermore, I ask that this charge-off account be reviewed for accuracy since I never received the 1099-C form, which casts doubt on whether the cancellation of debt was properly handled.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Consumer complaint received 2015-06-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Highland Capital (CA)

A recorded voice from " Northwind Associates '' calls saying that they have exclusive information about a debt " -- -- '' and if you are not " -- -- '' then please hang up. Otherwise they threaten legal action if I do n't call them at XXXX which is only answered by voicemail. This is a scam. I never heard of this company and do n't owe any debt. Please track them down and make them stop!
Consumer complaint received 2023-06-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, My name is XXXX XXXX XXXX. I reside at XXXX  XXXX XXXX XXXX XXXX, FL XXXX in XXXX XXXX XXXX I am writing this complaint because Transunion, XXXX. took more than 30 days to verify the accuracy of the following disputed information pursuant to 15 U.S.C 1681i. These complaints are as follows : XXXX, XXXX, XXXX. According to 15 U.S.C 1681i ( a ) ( 1 ) ( A ), Transunion, LLC. must delete this disputed information which has not been verified. If this information is not removed in ( XXXX ) days, a lawsuit will ensue in XXXX XXXX court by-virtue-of XXXX XXXX and XXXX Laws. THIS IS INTENT TO SUE! I will assess a {$1000.00} per day fee upon receipt of this NOTICE until deletion of this inaccurate information pursuant to 15 U.S.C 1681n.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (GA)

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. Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Account Name : XXXX XXXX Account # : XXXX has violated my rights. Account XXXX : XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX XXXX  Account XXXX : XXXX has violated my rights. Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnace any information relating to look at summer to any consumer reporting agency if the person knows or has a reasonable cause I believe that information is inaccurate.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (WA)

I leased a new vehicle from Hyundai Capital Finance at the beginning of XXXX. I decided to buy out the lease using a combination of cash and a new loan from my credit union. 

I made a cash payment on XX/XX/XXXX. I waited for that payment to post and then generated a buyout quote on XX/XX/XXXX, which was good until XX/XX/XXXX in the amount of {$43000.00}. 

I sent a check from my credit union in that exact amount along with all the other required paperwork. It was received and posted on XX/XX/XXXX. 

I waited for the lease to be closed, but a week later it was now showing a buyout balance of {$350.00}. I immediately called customer service to ask why there was now an additional balance despite me submitting the full amount. I was told that this was not correct and that they could see that I had paid the full amount in the buyout letter. 

I talked to customer service several times over several weeks. Each time they claimed to be escalating the complaint and that someone would correct the error and close out the lease. No one ever contacted me or explained why I was being asked to pay more than the buyout quote. 

At some point in XXXX, an additional {$350.00} was added to the balance, bringing it to a total of {$700.00}. When I called again, I was told that if I paid the original additional {$350.00}, the lease would be closed. Exasperated, I made the payment and waited for the lease to be closed. This still didn't happen. 

When I called back AGAIN, I got a very aggressive supervisor who said I owed the full amount and that was is. She put me on hold to " look into it '' and then disconnected the call. 

I gave up and paid the additional {$350.00} and now the lease has been closed. 

I have never received an explanation why my original buyout was not honored, or why {$350.00} was added weeks after I had made the buyout payment.
Consumer complaint received 2023-06-15
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8300.00}
Consumer complaint received 2023-06-27
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. (CA)

Dear. CFPB My name is XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It show incorrect inquiry on my credit reports. 
Please remove list on my credit reports ASAP. 


XXXX XXXX XXXX XXXX XXXX Auto Loan Inquiry Alert from : XXXX XX/XX/2023 XXXX XXXX XXXX Auto Loan Inquiry Alert from : XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX - Auto Loan Inquiry Alert from : XXXX XX/XX/20XXXX XXXX XXXX  XXXX - Auto Loan Inquiry Alert from : XXXX XX/XX/2023 XXXX XXXX  XXXX - Auto Loan Inquiry Alert from : XXXX
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (NC)

I opened an account with XXXX in XX/XX/XXXX and financed their equipment through Fortiva Credit on XX/XX/XXXX for approximately {$3000.00}. I made monthly payments for two months, then paid my full account balance off XX/XX/XXXX ( this is also reflected on my credit report ). However, I was trying to get a payoff confirmation from the company so I could cancel my XXXX service in XX/XX/XXXX and was told my entire account and history had been purged from their system, so they have no record of me ever having an account. I can not close my XXXX services account until Fortiva confirms my credit account has been paid in full, but Fortiva claims there is no record of my having an account, even though it shows on my credit report. Is completely deleting these records upon payoff legal? This also seems like a tax evasion scheme.
Consumer complaint received 2016-11-03
Product: Debt collection — Federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Educational Loan Servicing, LLC (CA)

I responded to a XXXX ad claiming to be work with the government and help students with student loan forgiveness. During the conversation she was able to have access to my XXXX XXXX, bank account number and routing and was able to extract my SS # and had my CA Driver 's license no.she she drew up forms with my info saying that they were going to help me and that had to pay XXXX lump sums of money before I could pay a very reduced payment for 120 months. she had me click sign her buttons on the forms to generate a generic signature of my name. I have called my bank to close my account and changed security questions, user id., & password. I 've filed a complaint with the FTC.
Consumer complaint received 2015-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Protas, Spivok & Collins. LLC (DC)

I received a letter from Attorney, Protas, Spivok, and Collins, LLC. Phone : XXXX XXXX regarding an unpaid balance ( {$2000.00} ) from an apartment ( XXXX XXXX ) I lived in from XX/XX/XXXX to XX/XX/XXXX. I contacted the apartment management and expressed to them that the information that they submitted to collections was incorrect and requested to receive correspondence on what they had on file for me. I was initially told ( by XXXX XXXX, Regional Director ) that their records indicated that I moved out on XX/XX/XXXX and that they did not receive rent for XX/XX/XXXX and XX/XX/XXXX of that year. A XXXX email, from XXXX, confirmed that I submitted notice to vacate the apartment on XX/XX/XXXX and that I vacated the apartment on XX/XX/XXXX and relinquished the keys to XXXX on that same day. She went on to say that although they kept my security deposit ( for the XXXX days in XX/XX/XXXX that I was still in the unit ) the lease requires a tenant to move out on the XXXX and that I would be responsible for paying for XX/XX/XXXX, plus late, legal and WRIT fees. After requesting that she provide me with a copy of the lease and highlight where it states specifically that a tenant can not move out until the end of the month, XXXX did not respond to me but I received an email from a representative from XXXX XXXX, Client Liaison, XXXX XXXX XXXX, stating that her client could no longer be communication with me because this case is now a legal issue. I am being harassed by Attorney, Protas, Spivok, and Collins, LLC stating with threats of my wages being garnished because of this unpaid balance up to being placed in jail. The information that was submitted to the attorney is incorrect and I do not owe XXXX XXXX ( Equity Management ) anything.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXXXXXX,
Consumer complaint received 2017-03-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (GA)

My husband and I opened a car loan for a XX/XX/XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX we had the car repossessed for being a month and a half behind. My husband had been having health problems and returning to his old job was not an option. We paid the amount to get the car back and made a payment arrangement with them. They offered the car at {$570.00} a month and we were agreeable. Unfortunately the first payment was to be made two weeks later and we could n't do it until 6 days later, somehow we were not able to get them to do a payment arrangement and we owed all this money up front. They accepted the {$470.00} every month on the XXXX and we finally got a payment arrangement on the XX/XX/XXXX for {$470.00} that day and a {$100.00} two weeks later and we would start paying {$570.00} on the XXXX and then continue with {$100.00} every two weeks after the main payment date. We have held up our part and yesterday the XX/XX/XXXX at XXXX I am having threatening calls of repossession after we already agreed on XX/XX/XXXX for payment arrangements. I checked my credit report and on both XXXX and XXXX I am current on the payments with {$0.00} behind. Credit Acceptance will not allow me to access my account online nor will they tell me why I owe {$840.00}. I have asked for them to send me a statement or an account summary 4 times now and I have yet to receive ONE. We have spent a ton of money on this vehicle and somehow we are told we owe different amounts each time I talk to a representative. It is {$370.00} or {$470.00} or {$840.00}. They NEVER tell me what I owe for but if I do n't pay today they will repossess my car. Forgive me for the angry rant, but this is really really bad for my husband 's health which he is on the XXXX list. We are both trying to make this work and each time we work something out, they call me with repossession threatening phone call. The last payment arrangement I asked for them to email me an arrangement document, they said they do n't do that. My husband told me they would n't honor it because they have yet to honor any agreement we have made. I paid on the XXXX the {$100.00}, two weeks after I made the {$470.00}. It was on the XXXX we started getting these threatening calls without being able to tell me why I owe so much. They wo n't send me anything like they have n't the 4 times I have asked. This company has crooked practices. I will NEVER EVER get another car loan through them.
Consumer complaint received 2023-06-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota reported a late payment in XXXX. I called and spoke with several representatives, and supervisors in an effort to get this removed. I was in the hospital from XXXX 2023. This can be easily verified. No exceptions or empathy for its " customers.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (MO)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXXXXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00}, XXXX  XXXXXXXX Balance : {$300.00}, XXXX  XX/XX/XXXX
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (NC)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX  Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX