davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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: General Motors Financial Company, Inc. (NY)

On XX/XX/2023 a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my XXXX XXXX and my ability to acquire credit. I need these false items removed from my credit report as soon a possible.
Consumer complaint received 2023-06-24
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. (IN)

To Whom it may concern, I was told that the charge off on my credit file was accurate by all three credit bureaus. I asked them to please make sure everything pertaining to my credit report is correct. Iam disputing inaccuracies on all three credit reports. 
XXXX XXXX Account-XXXX, date openedXXXX, amount {$720.00}. Paid closed. 
XXXX-Account-XXXX, date opened-XXXX, amount {$5000.00}. 
XXXX-Account-XXXX, date openedXXXX, amount {$780.00}. 
XXXX XXXXXXXX XXXX-Account-XXXX date opened-XXXX, amount {$550.00}. 
XXXX XXXXXXXX XXXXAccount-XXXX date opened-6/10/2022, amount {$1000.00}. 
XXXX XXXX-AccountXXXX  date opened-XXXX, amount {$300.00}. 
Please provide me these items I previously requested according to the FCRA laws. 
These Items are : Account information, amounts, full validation of each account, the original contract with my signed signature for each accounts, a payoff disclosure, interest rate disclosure, balance history and credit insurance by law.
Consumer complaint received 2024-03-21
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. (TX)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 2024-03-21
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 hope this letter reaches you well. I am contacting you to discuss a troubling matter regarding my credit report. After a detailed review of my credit history, I've discovered discrepancies related to late payments associated with the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


These inaccuracies concerning late payments significantly distort my credit report. Therefore, I urge you to promptly correct this information. Enclosed are supporting documents such as bank statements and payment records verifying timely payments for the specified accounts.
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (PA)

Concora Credit Milestone Credit card XXXX. I closed account to pay off the card after retirement. I was charged {$40.00} late fee. I get paid XXXX of month. They charge me on the XXXX. Interest rate {$30.00} monthly. Indigo credit card from Concora also is closed and charging {$40.00} late, interest fee {$7.00}. I make payments every month. It is never enough. President Biden put into law that credit cards could not charge more than {$8.00}. Is that correct? I also filed a complaint with the better business bureau, ( there was an adjustment of XXXX of the {$40.00} late fee ) they sent me a letter, no resolution. I also filed a complaint with XXXX they had your information listed. Can you assist? Thank you
Consumer complaint received 2022-03-08
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. (OK)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (FL)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to my SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, real employer paycheck stubs, driver 's license, and my W-2. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name- XXXX XXXX Account Number- XXXX ( XX/XX/XXXX ) Equifax INACCURATE INQUIRES THAT NEED TO BE REMOVED! 
XXXXXXXX XXXX XXXX XXXX  CREDIT CARDS XX/XX/XXXX ( XXXX XXXX XXXX CARD XX/XX/XXXX ( EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX ( EQUIFAX ) XXXX XX/XX/XXXX ( EQUIFAX ) XXXX CARD XX/XX/XXXX ( XXXX XXXX XXXX XXXX MISCELLANEOUS FINANCE XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
Consumer complaint received 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Zenith Financial Network Inc (CA)

I was contacted by this company that I do not recognize. I told them that I dispute this debt and it had been paid in full years ago. They sent me a letter saying its a valid debt. No backup from the original creditor nor the other company they subposably purchased it from. They continue to call early in the morning ( before XXXX ) and even on XXXX. They threaten litigation and say that I 'm a dead beat that does not pay my bills. Even after I told them it was paid. They continue to fail to provide proof that they even have a relationship with the original creditor or provide any assignments. This morning they called and were verbally abusive and made threats again in damaging my credit and litigation on top of calling me every name in the book. I told them that they were in violation of the XXXX act and they said they did not care. They even said that the debt would be reported on my credit report multable times.This debt is paid in full and is disputed.
Consumer complaint received 2022-03-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-25
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)

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureau are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX Balance {$820.00} ;
Consumer complaint received 2022-03-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have tried many times to disputes this bankruptcy and accounts that are on my credit, I filed a complaint in XXXX because I hadn't received any responses from Experian that they claimed they had sent. They also claim to have verified the XXXX through another company which can not be accurate because my 3rd parties, such as XXXX are all frozen.
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2022-01-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-04-07
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: Professional Credit Analysts of MN, Inc. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any invention result
Consumer complaint received 2022-03-07
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: Nelnet, Inc. (FL)

at this time, XXXX XXXX, the living woman and consumer protected by federal law is writing the request in regards to errors that have not been updated nor deleted off my consumer report. It is a fact that the US DEPARTMENT OF EDUACTIONS NELNET has not proven, validated any facts regarding my written consent given to them or any permissible purpose to report on my consumer report. I NEVER GAVE CONSENT so how can NELNET overturn me the consumers decision, this is a identity theft act and violation. If i did not consent this is in fact identity theft. Pursuant to 15 US code 1681B you MUST HAVE WRITTEN CONSENT FROM THE CONUSUMER.NELNET has been sent by certified mail showing signature confirmation. In addition, XXXX continues to verify the information " accurate '' in violation pursuant to 15 US Code 1681AE, verifying information with public sources, family, friends, can not be factual, unless coming from the CONSUMER, XXXX, which in this case HAS NOT. The information needs to be deleted immediately. a Federal Claim is pending for violations under the US Codes and unlieable rights. NELNET IS IN RECEIPT OF DEBT VALIDATION LETTER also requesting the following pursuant to the fdcpa laws of requeting documentation to prove non ill will toward the situation in hopes of correcting thereof. Nelnet XXXX wa asked to provide ... .I am requesting the following from [ DEBT COLLECTOR ] : 1.Name and address of alleged creditor. 


2. Name on file of alleged debtor. 



3.Alleged account number or numbers 4.Address on file for alleged debtor. 


5.Amount of alleged debt. 



6.Date ( this alleged debt became payable ). 

7.Date of original charge or delinquency. 



8.Was this debt assigned to a debt collector or purchased? 



9. Amount paid if debt was purchased. 



10. Commission for debt if collection efforts are successful. 

However they responded with the attachments below, and without nay factual validation or any contract ties to myself and nelnet. We have none. and if so please request the ledgers the on and off ledgers pertaining to this account showing the bookkeeping. as well a any tax forms copies. NELNET can not.
Consumer complaint received 2022-03-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AUTOMOTIVE CREDIT CORPORATION (MI)

Automotive Credit Corporation has been taking my State Income Tax since XXXX it is XXXX and they will not update the correct owed amount if any at this point! I have attempted to resolve this error numerous times, the car was handed back over to them voluntarily it was a botched deal they charged me originally $ XXXX for a XXXX  that was 10 years old with problems they were aware of but I wasnt when I purchased the vehicle which was reported as well!
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit, Inc (TX)

I bought a VolksWagen  XXXX XXXXXXXX XXXX XXXX XXXX from XXXX XXXX Volkswagen XXXX, TX and I was pushed the following extra products. 

1 ) Blue Steel 2 ) Easycare Appearance 3 ) Vehicle Extended Service Agreement My wife and son asked me to agree to it so I did agree on that at that time but within 30 days as per Texas laws, I called back the dealer and requested that these be cancelled. 

Dealer has refused to cancel these add-on optional items. I complained to Volkswagen and VolksWagen Credit but they said it is dealer who is doing this and I have to deal with the dealer. 

Secondly, for the car loan, I signed only 1 paper for availing loan and approving credit check but dealer did three hard inquiries on my credit file without informing that it would be three hard inquiries. I was already told on interest rate when I made the purchase. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VW Credit XXXX XXXX XXXX XXXX XXXX The hard inquries of XXXX XXXX XXXX XXXX XXXX and XXXX ) XXXX XXXX XXXX are fradulent. 

After lot of follow ups, the dealer was finally able to issue a refund check for 3 ) Vehicle Extended Service Agreement. However the service agreement was for {$2300.00} and I was only refunded {$2200.00}. 

Volkawagen Credit and Volkswagen needs to work with their dealers and have stringent terms that let consumers cancel optional items sold by dealers within 30 days, and stop dealers from doing multiple hard inquiries on customer credit file without customer being informed.
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (TX)

Re : Netspend/XXXX XX/XX/XXXX someone apparently skimmed my debit card. There were 4 ATM withdrawals and a balance inquiry made between XXXX and XXXX XXXX XXXX XXXX and XXXX each time I was charged by my bank XXXX and the balance inquiry was charged XXXX. 
The ATM withdrawals were made at XXXX XXXX XXXX, XXXX, TX and I had that card on me, in my purse while I slept before work. I do not know how they were able to use the debit card without having possession of it. I did file a police report with XXXX Police Department and the bank issued a temporary credit but added other transaction from that day without my asking. The credit was for {$600.00}. The bank then went me a secure message saying an error was found and that the provisional credit would stand but had mailed me ( to my home address but I am working in another city so I did not get the letter ) stating they would be taking the XXXX back on XX/XX/XXXX, which they did and when I asked about the secure message saying the credit would remain, they just kept saying then that they had found no error with their investigation. I asked for some proof of the ATM withdrawals and they could provide none ( because I did not make the withdrawal ) now they keep saying the case is closed and all i want back is the XXXX for the ATM withdrawals and fees that i did not make
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

This is the second time I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In accordance with Fair Credit reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX Acct # XXXX, XXXX  Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX/XXXX  Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX  Acct # XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, INQUIRTIES : XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX