davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (PA)

I purchased a vehicle from XXXX XXXX in XXXX, PA. I purchased the vehicle in XX/XX/XXXX. As of XX/XX/XXXX, my lender ( GM Financial ) has not received the title on this vehicle and I have not been able to register or drive it. 

I am filing this complaint because my friend XXXX XXXX bought a vehicle from this dealer in XX/XX/XXXX and never was able to license her vehicle either. She had to turn it back in to the lender and they are now showing it as a repossession on her credit. I want to be proactive in my complaint filing. 

This dealership is now gone from the location and I am paying for a vehicle I can not drive. 

My loan is with GM Financial Acct. # XXXX. I want to get out from under this untenable situation but do not want to end up with a repossession on my credit file.
Consumer complaint received 2024-10-13
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. (PA)

Hello, my name is XXXX XXXX XXXX. I am writing to have the following accounts and addresses removed from my report. The items I need removed are listed in the report below. I am a victim of identity theft and did not authorize the charges. I ask that the items be deleted as they are affecting my Financial Responsibilities. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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. (PA)

It was a huge shock and source of frustration to see erroneous accounts show up on my credit report this afternoon. I reviewed my credit report as I normally do, only to find discrepancies appearing out of nowhere. I tried refreshing my browser to see if it was a temporary issue, but the inaccuracies remained. I need a thorough check of the documents Ive provided so I can stop worrying about these issues.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please remove the following fraudulent inquiries from my Transunion report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

Experian dispute is reporting me as deceased. XXXX XXXX my co applicant is responsible and I believe used my social to open it to begin with. Then reported me as deceased I have Spoken w them on the phone I am not dead!
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (MD)

To Whom it May Concern, SouthWest Credit Systems was reported for reporting incorrect information on my credit report. The removed the negative collection item from my report after my first report to the CFPB. They illegally placed my account in collections again, and I was notified today by my credit monitoring system. I was not notified by mail, and in fact the collection is a totally different amount then the first collection attempt. I've asked on several occasion to prove a initial contract between Southwest Credit Systems and myself as the original contract and debt. They were unable to prove that I owed them any money. This the second time that they place this fraudulent information back onto my credit report. I will be bringing a lawsuit against them as they have violated ( Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. ) per my attorney. They've also been calling and making threats. The original agreement from Southwest Credit stated that I owed them XXXX dollars and my credit report now states that I owe XXXX dollars. Which both amounts aren't factual as I've never entered an agreement with Southwest Credit Systems.
Consumer complaint received 2018-03-29
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (SC)

I

am writing this letter in response to late payments showing on my credit history from Nelnet on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I found out these late payments where on my credit when I pulled my credit report on XX/XX/XXXX Once I was aware of the late payment status I logged into my Nelnet account online. I was sure that I had applied for forbearance during that time period and didnt understand why these late payments where on my account. However to my surprise all past account billing and forbearance letters had been removed from my online account from XX/XX/XXXX and back. Since I did not have any documentation listed there I decided to contact a Nelnet agent. When I inquired about the forbearance for XX/XX/XXXX I was told I was cover from that month to XX/XX/XXXX. I then ask why I would show late payments, and the agent then seemed confused and hesitant to inform me that my account was reflecting incorrect information. She just went on to say that I had missed the payments and they were valid, but could not explain the forbearance approval and how they could report missed payments during that forbearance period.

On XX/XX/XXXX I contact Nelnet once again to request a complete billing statement for the year XX/XX/XXXX to XX/XX/XXXX. I was informed again that there was a forbearance approved within XX/XX/XXXX. I requested that documentation but was informed that since it was not showing online for some reason that it had to be approved by another department before it could be sent to me. I was also informed that it could take up to a week before being sent. On that same day I decided to check my student loan information on the XXXX XXXX XXXX website. That is where I found that each of my loans that Nelnet services where showing a forbearance status. They are not showing missed payment or delinquent status.

I am requesting the investigation of this matter due to the fact that my loan status is showing forbearance status on each individual student loan. I dont feel that Nelnet is following proper procedure when it comes to updating the credit bureau and are reporting my information incorrectly.

Also I have attached the MyStudentData report showing each of the fifteen student loan accounts that Nelnet services. Each loan has the date highlighted in yellow before and after showing the status of the loan in Repayment before XX/XX/XXXX, then forbearance on XX/XX/XXXX, and then forbearance XX/XX/XXXX.
Consumer complaint received 2024-10-13
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. (PA)

I was completely shocked when I saw inaccurate accounts on my credit report this morning, and I have no idea how they got there. I check my report regularly, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the false accounts were still there. This issue has made me request a thorough review of the documents Ive sent, so I never have to worry about this again.
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (CA)

Contacted Legal Collection Agent to notify them a credit collection alert was place on my credit report fraudulently through Hunter Warfield. The collection has been settled and paid in full in the amount of {$150.00}, agent was suppose to send receipt and documentation that there will be no collection account reported on my credit report as it has been settled. Collection Agent stated she will fix the error and will send to all credit bureau to get removed. She stated it will usually take 7 days for credit agencies to refresh after she sends out the electronic request. Hunter Warfield never notified me of there mistake, nor apologize for there error they caused to my personal credit profile. With the collection/late added on my report, my FICO score dropped nearly 30points. We just recently purchased a new vehicle and higher interest rate offered could have been the root caused by Hunter Warfield 's error in reporting my account. Now I am stuck with the lower tier rating with a higher interest auto loan rate. Please have error fixed immediately so that we do not have to escalate further with our legal rights.
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP (KS)

I received a call from a XXXX XXXX claiming he was a lawyer with XXXX XXXX XXXX and that I was due to be receiving a judgement against me for a total of {$3700.00} either at my home or place of employment and to call him back at XXXX XXXX XXXX.

When I called him back he refused to provide me additional details and insisted that I was going to be served this judgement, would not provide documentation as requested, told me that I was being charged with fraud, and hung up.

Later that same evening my mother received the same phone call from this person with the same claims.

This morning I received a call from a XXXX XXXX at XXXX   stating " My name is XXXX XXXX. At this time I have been retained to come in contact with you to serve you legal notice either at your home or place of employment. If you need to reschedule delivery please call XXXX. '' On XX/XX/XXXX I called the local police and was advised that this was a scam and to contact consumer finance and not give out any information.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To CFPB, we previously contacted you regarding Trans Union and their reporting inaccuracies specifically old addresses Case # XXXX XXXX XXXX. Trans Union did not show in their updated credit report to me that the addresses had been deleted only that the current address was showing, even in their own reports they state that " If we were able to make changes we have done so '' it further states in their correspondence an explanation such as definitions like " Updated, verified, Deleted, so as we have stated, Trans Union did not show those deletions as required by federal law.
Consumer complaint received 2018-04-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (PA)

I was evicted from my home and in XXXX. At this time I owed the original creditor the remaining balance. As of XXXX this year ( XXXX ), I was able to get back on my feet and am now settled into my current address. I did not receive any information until looking into my credit report, regarding the debt. Interestingly the the debt in the amount of {$1900.00} apareard on the report in XX/XX/XXXX then in XX/XX/XXXX was no longer shiwing on the credit report. As of XX/XX/XXXX it showed back up. I tried to resolve the issue with the company but was told I had to pay the balance of {$1900.00} in full, dispite my hardship and dispite never recieving any notice ti collect a debt.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX  on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-24
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. (GA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-18
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (ME)

I applied for and was Granted a " Big Picture '' payday loan. I was not however informed of the finance charges and fees associated with the loan until after I had " verbally & Electronically '' signed the document. I feel I should have been better informed of the trouble I was getting into. As the loan stands they 're going to charge me 866.2449 % int. fees, and Will end up paying back {$1400.00} on a {$300.00} loan.
Consumer complaint received 2018-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Service, Inc (FL) (PA)

I have tried to go through the credit bureau several times abot a debt that was over 8 years old and is still showing up on my credit report. I have asked Equifax to validate the information yet it appears that nothing is being done since this debt is from XXXX when i had to take an ambulance to a hospital due to my XXXX XXXX XXXX. The name of the credit collector is UNITED COLLECTION SERVICE , INC and they are saying that the account was opened : XX/XX/XXXX ( 6 yrs, 2 mos ) and the Original Creditor Name : XXXX XXXX. At the time they are saying this was opened I was already living in another state for a year and a half.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax .... And they also removed both XXXX Credit Card Account from my report, and have not added them back even after documentation was sent in verifying the account and that the institution was and still is reporting both accounts to them.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

TU # 6 XX/XX/XXXX file complaint TU # 5 XX/XX/XXXX sent, XX/XX/XXXX response dated XX/XX/XXXX - no changes TU # 4 XX/XX/XXXX sent, response, dated XX/XX/XXXX - deleted XXXX XXXX, no other changes TU # 3 XX/XX/XXXXsent, response, dated XX/XX/XXXX - no changes TU # 2XX/XX/XXXX sent, XX/XX/XXXX no response TU # 1 XX/XX/XXXX sent, XX/XX/XXXXresponse
Consumer complaint received 2023-08-01
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I filed a dispute with the credit bureau to remove public record bankruptcy reporting on my credit report that i have no knowledge of. This bankruptcy was filed XX/XX/2019 and closed the same day. This account is reporting to my credit in error. I have contacted the bankruptcy court and they advised me that they do not verify information with the credit bureaus, how can the credit bureaus continue to report this information as verified. I have also requested that the credit bureaus send me original documents with my signature which they failed to do. Without proper verification showing my personal responsibility to this account the credit bureaus have to remove this account from reporting to my file which they have failed to do. 
I have also requested that the address associated with this account be removed because i have never been associated with that address.
Consumer complaint received 2018-03-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC (WI)

I have fallen on hard times and called your office yesterday to try to work out some arrangement that I could afford and was not offered any assistance. I borrowed {$1200.00} and have paid back {$1100.00}, however due to the interest rate being so high you have me owing a balance of over {$1000.00} still. I was told when I took this loan that after a period of time I would be able to refinance the loan and lower my payments. This was not true, I have attempted to refinance and the APR is the same 291 %. I would like to cancel my account and come to an agreement that works for both of us. I am a single mother and paying {$160.00} every time I get paid equaling to {$260.00} per month is unbearable. I have also mad large payments over the past few months hoping this would decrease the balance and it has not.

Kindest regards, XXXX XXXX XXXX
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My student loans are incorrectly reporting late payments for each loan account listed on my report for the months of XX/XX/XXXX- XX/XX/XXXX On XX/XX/XXXX the Federal Trade Commission issued an advisory opinion in which it renders a decision on the interpretation of Section 623 of the FCRA ; it states, A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. See attachment For further reference the FCRA section 623 ( a ) ( 2 ) states : ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation , or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.