davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (CA)

My car lease agreement ended with GM Financial and returned vehicle on perfect conditions to the dealer on XX/XX/XXXX, a few months later I got this letter saying that I own them {$1200.00} on fees, taxes and repairs. I purchased on XX/XX/XXXX a excess wear and tear addendum with my lease agreement for {$7500.00}, I wrote them back to get detailed information on what exactly they did to the car if I had the addendum protection and I havent heard from them, this situation affected me by 151 point on my credit score already. Also I summited a dispute with XXXX.
Consumer complaint received 2021-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has just reported a delinquent account in collections original Company XXXX XXXX, with debt collection company XXXX. This is NOT my account. I was a victim of fraud and spent countless hours removing two other collections accounts that were not mine. I tried to go through Transunions online dispute and their website continues to be down or not functioning properly. I have previously filed fraud reports with the FTC. This is not my account. It needs to be removed from my credit report. 
My two addresses have been for the past 9 years. XXXX XXXX XXXX XXXX XXXX, CA XXXX and most recently XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have never lived where XXXX XXXX XXXX cable accounts and have not opened a cable account in my name within the past 10 plus years. This is NOT my account. 

I have attached my theft report that was filed with the FTC originally as proof.
Consumer complaint received 2023-01-23
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I stopped using my credit card after paying it off several years ago. Recently a fraud appeared on my debit card, the bank provided provisional funds while they investigate, and I can use the money in the meantime. Not an often occurence. They stop all activity on the account until I get a new card in the mail and activate it. This time however my prescription came in at XXXX. I didn't have cash so I used my old charge card. A few days later I called the bank to ask how much I owed. In addition to the XXXX for the prescription I had made another 1 or 2 small purchases under {$10.00} on XXXX. I wanted to pay it off immediately. To my surprise it was XXXX. I explained that I didn't make any purchases that large and wanted to dispute the charges. I couldn't. Not only would I have to pay the minimum due for months while the process ran through, but I would have to pay a late fee as well. I explained that I was on a fixed income of {$820.00} per month, on food stamps, medicaid and TX pays my Medicare. I can't afford to pay someone else else 's debt in that amount over time. Because of my slender means it may of necessity be late because I don't have the money. That's why I never used that card after paying it off several years ago.
Consumer complaint received 2023-01-23
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY (TX)

Refinance the car in XXXX, they sent the title. We continued to make payments for years only to find out years later when we was in a car accident that, they had no rights to the car after they sent the title. We were asking so who received the payments we were sending no had answers
Consumer complaint received 2023-01-23
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. (PA)

Due to identity theft, they're a list of inaccurate items on my consumer credit report that are not associated with me. I attached my FTC report, XXXX ID, and detailed document in regard to my claim.
Consumer complaint received 2023-01-23
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. (NY)

In accordance with the Fair credit Reporting act XXXX account # XXXX and # XXXX. Has violated my rights. 

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

15 U.S.C 1681 Section 602 A. Section 2 : states that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened a new account online with HSBC with a {$100.00} direct deposit. A week later, I used their mobile app to deposit a paper payroll check on Friday XX/XX/XXXX. Upon depositing my payheck, HSBC promptly froze my account completely, blocking me out of online access, ATM machines, or anything related to my account. I showed up at the branch to verify my identity and the legitimacy of the check, but they refused to let me gain access to my account/funds and told me I would have to wait until XX/XX/XXXX at earliest before I could gain access, but they're not completely sure. Before depositing my paycheck, there were no indications, warnings, or description of when I'd have access to my funds, that it may be flagged for fraud for x amount of days, or that my account would be completely frozen.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

I am filing this complaint to DISCOVER BANK. I am requesting that all late payments markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you correct the said account. Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (MO)

I subscribe to XXXX XXXX and XXXX XXXX to monitor my credit resport. I noticed a hard inquiry dated XX/XX/21 from Discover. This was not something of my doing. I contacted all 3 credit agencies and file and report in addition to calling Discover which they said they have no record of anything processed. How coild that be true if it clearly stated that my info has been ran. 

XXXX dispute file # XXXX XXXX dispute file # XXXX XXXX dospute file # XXXX XXXX is requesting a copy of the ftc dispute report to be faxed to them at XXXX
Consumer complaint received 2019-12-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NV)

XXXX had agreed to close account and yet continues to sell the closed account to other collection agency, persists in reporting old debts with updated activity dates, and persist in threatening me with garnishment, and continues the illegal practice of Re-aging a settled debt.account has been closed since XX/XX/2016 and continues to reage this settled debt as updated and present.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. Transunion Credit bureau has failed to respond about the removal of the erroneous information about my inquiry. Sending them letters dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiries are continuously reported on my Credit Report. Therefore, Transunion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (TX)

Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to NCC Business Services XX/XX/2017. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. NCC Business Services claims I owe a debt from an apartment complex that I actually left on my given time. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by NCC Business Services. Therefore, by the FDCPA that NCC Business Services was not able to prove that I had a left over balance. So, NCC Business Services was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and NCC Business Services agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. Neither one has made an attempt to call not send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, NCC Business Services is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of NCC Business Services from my credit report. I am going to provide all my evidence to my case.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter. 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-01-16
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capio Partners, LLC (VA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2019-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

In XX/XX/2018 two XXXX XXXX XXXX accounts were sold to XXXX XXXX in an attempt to collect debts that were not mines. I wrote letters to XXXX XXXX to provide proof that these accounts belonged to me and to also provide a signed contract with my name and they were not able to do that so all collections attempts were ceased and account was deleted from my credit. I see that now those very same XXXX XXXX XXXX accounts have now been sold to Enhanced Recovery Company in an attempt to say these accounts are mines again. The account are in the amounts of {$830.00} and {$610.00}. Please provide me with proof that these accounts belong to me with a signed contract or cease collections on both these accounts.
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ID Analytics, Inc. (OH)

On XX/XX/2019 I received a letter from XXXX XXXX  XXXX XXXX advising that after initially approving our auto lease on Sunday, XX/XX/XXXX they are choosing to deny the financing due to additional credit information later pulled from a company called SageStream , LLC. My credit score based on XXXX  was XXXX and according to SageStream was XXXX. The most unacceptable and I find that has to be unlawful toward consumers is retracting a loan weeks after approval based on a credit report that I did not authorize. Along with that at this point a month out from initial loan inquiry my credit score has dipped due to new debt this auto loan created and multiple credit inquiry hits. I have also paid fees to the dealership that can not be refunded. As a consumer I find it has to be illegal to perform these reports after initially approving loan. Should I have to return the vehicle or seek out alternative financing now I will not qualify for rates I would have a month ago. This has put me in a financial situation that should never been acceptable. If they wish to use SageStream LLC then they should be pulling this information at the dealerships along with 3 major scores. We signed a contract and it was approved.
Consumer complaint received 2022-12-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Carvana Group, LLC (AZ)

I purchased a XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX with less than 15k miles on it from Carvana. I also purchased the extended warranty through Carvana from XXXX XXXX warranty which was the only option that Carvana allowed and now less than 4K miles later, and less than a year later the convertible roof malfunctioned and Carvana will not cover nor will the warranty company. The repair costs is estimated atXXXX and that is why are they are denying although the warranty company is siting the broken top as cosmetic however that is not the case. Also, the back window is partially collapsed and I can not drive it without fear of theft or further damage.
Consumer complaint received 2023-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

PHH Mortgage reported we were 30 days late on payments dating back to XX/XX/XXXX. We sent bank statements several times proving we have not missed any payments dating back to XX/XX/XXXX. Never got a clear response in writing showing when or where we had missed a payment. This cumulated last year when PHH reported we were 2 months behind on our payments. Once again we sent proof of all payments. PHH refused to produce proof of missed payments and dates of those payments. In XX/XX/XXXX we made XXXX extra payments totaling {$3000.00} to stop the harassment. We still have not received proof that we missed these payments.
Consumer complaint received 2021-09-27
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Report and needs to delete immediately : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2023-07-15
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: HYUNDAI CAPITAL AMERICA (WA)

My car has been paid off since 2017. I'm in the process of selling it, when I noticed that KIA still is on the registration. I have contacted them numerous times about sending me a title release, and I get excuses that the fax machine is down, etc. I get told that it takes XXXX days to have this faxed to me.This has been ongoing for XXXX weeks now. I have escalated to talking to two supervisors. I call everyday, as I need the release to sell my car. This is costing me a deal if I can not get the title release in time. I am selling my car because they did not honor the warranty after saying they would. Instead, they offered me a " killer deal '' on a new car. I really liked my car and had no plans to sell it, but now I have to look for a new vehicle.
Consumer complaint received 2023-01-16
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. (CA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.