davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
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. (IL)

I had a GM Financial Loan since XXXX XXXX  XXXX. I paid off the loan in the beginning of XXXX. Their app was messed up and gave me an inaccruate payoff amount which included an OVERPAYMENT of approximately {$18000.00}. I paid the " PAYOFF AMOUNT '' Which was {$17.00}, XXXX, then the following morning it showed a new " PAYOFF AMOUNT '' of ~ {$200.00}, which I paid. The loan has been paid AND there is a credit balance with a refund due to me of approx {$18000.00}. 

GM Financial is refusing to release the title.

I have already traded the vehicle to a GM Dealer who is now unable to sell the car because GM Financial is refusing to issue me the title to the vehicle I have paid for.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

XXXXXXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX FIXXXX XXXX XXXX  Date of Inquiry XX/XX/20XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-10-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

The account in question is listed under the account number XXXX. I am deeply concerned about the validity of this debt, as I have no knowledge or record of any such obligation. 

I have taken the following steps in an attempt to resolve this issue : Requested Verification : On XX/XX/2023, I sent a written request via certified mail, return receipt requested, to your company, requesting verification of the debt as allowed by the Fair Debt Collection Practices Act ( FDCPA ). Despite the required XXXX response window having passed, I have not received any documentation or evidence validating the existence and legitimacy of this debt. 

Investigated My Records : I have meticulously reviewed my financial records and can not find any reference to the alleged debt. This further strengthens my belief that the debt is either erroneous or does not pertain to me. 

Checked for Identity Theft : To ensure my financial security and identity have not been compromised, I have reviewed my credit reports from all major credit bureaus and found no other references to this debt with any other collection agency. 

In light of the above, I formally request that XXXX XXXX XXXX provide me with the following information : Valid and verifiable proof of the debt, including but not limited to any contracts, agreements, invoices, or statements that validate this obligation. 
Detailed documentation showing the original creditor 's name and contact information. 
The complete history of the debt, including dates of first delinquency and the date of the last activity on the account. 
Until such time as XXXX XXXX XXXX can provide me with the requested information and demonstrate the legitimacy of this debt, I kindly request that you cease any and all collection activities and refrain from reporting this disputed debt to the credit reporting agencies. Please be aware that I am aware of my rights under the FDCPA and the Fair Credit Reporting Act, and I am prepared to take any necessary legal action to protect my rights. 

I expect your prompt attention to this matter, as your failure to respond within the legally mandated time frame will be seen as an admission that the debt is not valid. Please send all correspondence related to this matter to the address provided at the top of this letter. 

I look forward to a swift resolution to this issue and to removing the disputed debt from my credit report.
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Remove Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NAVY FEDERAL CREDIT UNION (CA)

I received a letter in the mail from my mortgage company, Navy Federal Credit Union, stating that my homeowners insurance carrier, XXXX, no longer has an acceptable financial rating. Therefore, I must find an insurance company that currently has a financial score of XXXX or above. I then contacted XXXX and received documentation showing that their financial rating is XXXX and has a long term rating of XXXX. I contacted Navy Federal on XX/XX/XXXX and XX/XX/XXXX to resolve this issue. On XX/XX/XXXX Navy federal told me that their system is unable to process the homeowners insurance from XXXX. On XX/XX/XXXX Navy Federal stated the same thing that they previously stated, so I asked to speak with a manager. I was told that one will call me in 24 to 48 hours, and that they will request a review of my complaint. I went ahead and collected multiple quotes from other insurance companies, which the companies were either refusing to insure homes in California or their quotes were much more expensive with less coverage than my homeowners policy with XXXX. I have been with XXXX since XXXX, have multiple policies with them, and have never had any issues. I refinanced my home loan with Navy Federal in XXXX and have had issues with them for the full 3 years of the loan. I have the letter that was sent to me from Navy Federal as well as the document from XXXX showing their current financial score.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

This company charged outrageous interest and then delayed the payments, charged more interest, constantly resulting in a small amount due to charge 26.99 % interest on and when finally paid did not return the overpayment. I had to contact them to issue a check refund and the automated phone system is a nightmare to get through. They should be sanctioned.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am not liable to any dept withXXXX XXXX XXXXnor do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by Experian and Deleted and this company re added negativeitems to my credit file I am attaching a notice of deletion from Experian.
Consumer complaint received 2018-04-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (LA)

I contacted the loan company ( XXXX XXXX XXXX ). in XX/XX/XXXX and XX/XX/XXXX. I was hounded by the company to sign my son up for student loans. when I was told that my son could not sign for the loans. I was told when I signed that this was a federal loan program using state money and that upon graduation the loans would rollover into the federal loan program and my son would sign for the loans and I would not be the co-signer. They Lied. When I signed the note in XX/XX/XXXX I asked for a copy of the documents. I was told that they would send them to me. XXXX   XXXX XXXX did not send me a copy. 
I made payments on his loans until XX/XX/XXXX, when XXXX XXXX XXXX sent me a letter telling me because my son had received a XXXX XXXX degree in XX/XX/XXXX, they would not except further payments because in the contract I signed, but never received a copy, there was a clause that if the student received a XXXX XXXX degree the loan would be for 11 years instead of 20 years. I asked for the paperwork for the change in the contract and an accounting of what I owed and a payment schedule. I never received that accounting and payment schedule. 6 months after I received the notice to stop payment I was told that I was in default. I called many times between XX/XX/XXXX and XX/XX/XXXX and I received many phone calls all with the same nasty message that if I did not pay in full they would ruin my credit.XXXX XXXX XXXX never sent me an accounting of my debt. 
XX/XX/XXXX I was working for the XXXX XXXX with a XXXX XXXX clearance. I have had credit since XX/XX/XXXX and never defaulted on any loans. the end of XX/XX/XXXX I had an interview with clearance personell. XX/XX/XXXX I was told that I had until XX/XX/XXXX to fix my credit problem. I call XXXX XXXX XXXX to resolve the problem with the same nasty people threathing me and my family. I retired because XXXX XXXX XXXX ruined my credit and I was unable to work because I lost my XXXX XXXX clearance. In in XX/XX/XXXX I received summons papers from an attorney representing XXXX XXXX XXXX. My original debt was around {$74000.00}. The summons has my current debt around {$200000.00}. To this date I have not had an accounting on the co-signed debt.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Please understand that the details in my credit report are inaccurate. It includes name, addresses, employers and inquiries that are not associated with me. I urgently require the removal of this fraudulent information. Given that I have been a victim of such issues in the past, I am taking every possible step to ensure the accuracy of my reported information. Since I have not received a satisfactory response from the institutions responsible for reporting accurate and permissible data, I am now seeking assistance from a higher authority. Kindly expedite the process of removing this erroneous information.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (RI)

PLEASE REMOVE THESE ACCOUNT IS NOT MINE AND THESE INQUIRIES I DONT AUTHORIZE. 

ACCOUNTS : 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 XXXXXXXX XXXX XXXX
Consumer complaint received 2023-10-11
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: EQUIFAX, INC. (RI)

PLEASE REMOVE THESE ACCOUNT IS NOT MINE AND THESE INQUIRIES I DONT AUTHORIZE. 

ACCOUNTS : 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 XXXXXXXX XXXX
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (LA)

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 The State of Louisiana notified me that my information was stolen from the database I have never applied to any of these companies. this is affecting my score badly.
Consumer complaint received 2023-09-26
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. (CA)

I am formally requesting that XXXX, XXXX, and TransUnion remove the following items from my credit reports. It is imperative that my credit reports accurately reflect no negative items. This serves as a follow-up to my previous complaint, as I anticipate that upon updating my credit reports, the listed items below will have been removed : XXXX : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-06-12
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)

This complaint is in reference to Fraudulent information contain in my credit file. I have reached out to the credit reporting agencies via phone and mailing address. I was told the FTC report I filed did not contain account numbers for each item listed. This is my second attempt to have Equifax clear up this matter. Every time I contact the credit reporting agencies via phone they pull up a file that does not relate to me. I have to be transferred to special handling department. Please I need help with getting this matter resolved. I understand filing a FTC report will block, delete, remove etc the items I have listed.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX  & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (CA)

I noticed a large collection on my Credit report in XXXX of XXXX with XXXX XXXX XXXX XXXX Account number XXXX for {$15000.00} which was originally from XXXX XXXX XXXX which was attached to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Needless to say I was very alarmed for a few reasons : 1 ). I had moved out and my XXXX, XXXX XXXX took over the lease back in XXXX. 
2 ). XXXX XXXXXXXX attempted an unlawful eviction on XXXX by shutting down his ability to pay online and he went to court for it and came to an agreement that he would move out and no monies owed. 
3 ). They told XXXX that they listed itemized repairs of {$1300.00} and back rent owed, which the judgement from the court states they are not able to do this. 

I have attempted to dispute this with the Credit Bureaus on 2 separate occasions : XX/XX/XXXX and XX/XX/XXXX ; both times these institutions had said that the original creditor validated the information despite the ample evidence that I provided to them. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are violating the FRCPA and the FCRA by illegally putting a collection on my Credit report after I moved out and was removed from the lease, but also after my ex boyfriend went to court and came to an agreement that he would move out and no monies is owed. 

Attached to this complaint I have included the documents from the court that XXXX received ( not me as I was removed ) that clearly states XXXX dollars is owed to XXXX XXXX XXXX ( Dated XX/XX/XXXX ). I have also attached documentation from the XXXX XXXX who is an attorney at XXXX XXXX XXXX where it clearly states the record is sealed and done ( Dated XX/XX/XXXX ). I have also included text messages with XXXX notifying me of said information. 

At first, I believed that this is a simple mistake, which is why I tried to dispute it with the Credit Bureaus yet the Credit Bureaus did not seem to look at the documentation which clearly shows that XXXX is not allowed to report this information because it is violation the Court Order. The Attorney who represented XXXX, XXXX XXXX stated to reach out to her if this information ever showed up on a consumer report so they could pursue this illegal collection matter. Before I pursue that route and hire an attorney, I wanted to attempt one last time to see if the bureaus would remove this inaccurate information.
Consumer complaint received 2023-10-11
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)

I noticed a large collection on my Credit report in XXXX of XXXX with XXXX XXXX XXXX XXXX Account number XXXX for {$15000.00} which was originally from XXXX XXXX XXXX which was attached to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Needless to say I was very alarmed for a few reasons : 1 ). I had moved out and my XXXX, XXXX XXXX took over the lease back in XXXX. 
2 ). XXXX XXXXXXXX attempted an unlawful eviction on XXXX by shutting down his ability to pay online and he went to court for it and came to an agreement that he would move out and no monies owed. 
3 ). They told XXXX that they listed itemized repairs of {$1300.00} and back rent owed, which the judgement from the court states they are not able to do this. 

I have attempted to dispute this with the Credit Bureaus on 2 separate occasions : XX/XX/XXXX and XX/XX/XXXX ; both times these institutions had said that the original creditor validated the information despite the ample evidence that I provided to them. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are violating the FRCPA and the FCRA by illegally putting a collection on my Credit report after I moved out and was removed from the lease, but also after my ex boyfriend went to court and came to an agreement that he would move out and no monies is owed. 

Attached to this complaint I have included the documents from the court that XXXX received ( not me as I was removed ) that clearly states XXXX dollars is owed to XXXX XXXX XXXX ( Dated XX/XX/XXXX ). I have also attached documentation from the XXXX XXXX who is an attorney at XXXX XXXX XXXX where it clearly states the record is sealed and done ( Dated XX/XX/XXXX ). I have also included text messages with XXXX notifying me of said information. 

At first, I believed that this is a simple mistake, which is why I tried to dispute it with the Credit Bureaus yet the Credit Bureaus did not seem to look at the documentation which clearly shows that XXXX is not allowed to report this information because it is violation the Court Order. The Attorney who represented XXXX, XXXX XXXX stated to reach out to her if this information ever showed up on a consumer report so they could pursue this illegal collection matter. Before I pursue that route and hire an attorney, I wanted to attempt one last time to see if the bureaus would remove this inaccurate information.
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC (GA)

Believe this is Illegal loan in State of Ga. Lender is not listed in Georgia NMLS. Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requested to stop further ACH payments from my account.
Consumer complaint received 2023-04-09
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. (VA)

XXXX 's Class Action Lawsuit due to it's predatory lending practices have adversely affected me. 

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 : XXXX XXXX 15 U.S.C. 1681 Section 602 A States that 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 an account without my written instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States that no consumer agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) 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 information is inaccurate.
Consumer complaint received 2023-07-08
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # : XXXX and XXXX XXXX XXXX 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