davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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 want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Recently my mortgage loan score, auto loan. Dropped after XXXX money was paid i early XXXX. They just did an evaluation an my credit score didnt move. Mind you i was only XXXX in debt. Paid half of that debt off. To include i make XXXX by myself not including my spouses XXXX she makes. How is it that my scores are XXXX, XXXX, XXXX. Ive reported indentity fraud to the bureaus with evidence of it an they still hold this information as a liability to my credit. I collect retirement from 20 years of the military and i currently work how it is possible for my credit to be so low. I need this situation investigated because they poorly managing my credit and because of it as just retiring last year as a XXXX veteran I can't buy my family a house of their own, a suitable loan for a car an be comfortable from after defending my country.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-31
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-08-10
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. (FL)

This company is in violation of the Service Members Civil Relief ACT this also covers accounts that were obtained prior to service and during service and while in a XXXX XXXX. At the time of purchase not only was I on XXXX XXXX but I was also in XXXX. My father purchase the vehicle on my name. The company has lied stating they did not find my information on the XXXX XXXX XXXX XXXX XXXX XXXX, however when I did a search for myself I found it.
Consumer complaint received 2019-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NM)

On XX/XX/2019, I paid off my mortgage. My contract stated I do not pay any fees if I paid if off early, which I did. My Escrow account had a {$1000.00} balance. I was expecting this amount to be sent back to me. Instead I received an escrow refund of {$980.00}. 

I began calling in XX/XX/2019 on what the status is of my account. The call center first said they would take out {$25.00} to close the account, even though my contract states otherwise. 

When I received the refund check an additional {$24.00} was taken out. I contacted their call center and they said it was for closing my account.
Consumer complaint received 2017-08-10
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. (FL)

This company is in violation of the Service Members Civil Relief ACT this also covers accounts that were obtained prior to service and during service and while in a XXXX XXXX. At the time of purchase not only was I on XXXX XXXX but I was also in XXXX. My father purchase the vehicle on my name. The company has lied stating they did not find my information on the XXXX XXXX XXXX XXXX XXXX XXXX,  however when I did a search for myself I found it.
Consumer complaint received 2019-10-31
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. (GA)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I have already gotten a police report with local police. And I have contacted the FTC. These items need to be deleted from my credit report. XXXX, XXXX, XXXX, XXXX XXXX. Inquiries : 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 NA XXXX XXXX XXXX. XXXX. XXXX, XXXX   XXXX
Consumer complaint received 2024-05-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (IL)

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Your Email Address ] [ Your Phone Number ] [ Todays Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Dear XXXX, I am writing to raise a concern with the Consumer Financial Protection Bureau ( CFPB ) regarding the financing terms associated with my vehicle loan through GM Financial XXXX The account number is xxxxxx, initiated on XX/XX/year>. 

Upon reviewing the details of my account, I observed that the loan term spans XXXX  months, with a monthly payment of {$900.00}. Additionally, the interest paid last year amounted to {$36000.00}, with an APR of XXXX  %. The vehicle is identified by the Vehicle ID Number xxxxxxxxxxxxxxxx. 

While I appreciate the opportunity to finance my vehicle through GM Financial and value the benefits of the My GM Rewards program, I am concerned about the significant financial burden associated with the loan terms. The high APR and lengthy loan term have resulted in substantial interest payments and monthly payments that are challenging to manage. 

I kindly request the Consumer Financial Protection Bureau 's assistance in reviewing the financing terms and addressing this matter. As a consumer, I believe it is essential to ensure fair and transparent lending practices that prioritize consumers ' financial well-being. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will thoroughly investigate and take appropriate action to address my concerns. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-18
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. (GA)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-12
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. (MS)

I have disputed all the negative information, collections, derogatory accounts, and public records on my account. I have also disputed inquiries that I didnt authorize. 

Equifax, XXXX, and XXXX  are reporting all of my accounts with different account numbers, different open dates, different closed dates, different amounts, and different payment histories. This is affecting my ability to obtain stable housing, as well as obtaining credit for necessities. 

They are providing false information to anyone who tries to pull my credit. I would like a credit sweep of all 3 bureaus, and all negative information, derogatory information, collections, and inquiries be deleted immediately due to the false information that all 3 are providing.
Consumer complaint received 2020-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

Resurgent Capital Services on behalf of LVNV Funding LLC is attempting to collect a debt that has been determined to be fraudulent. The fraudulent account XXXX in the amount of {$580.00} is continuing to report to the consumer reporting agencies in violation of the Fair Debt Reporting Act and the Fair Debt Collection Act. Resurgent Capital Services has ignored my repeated request to remove this inaccurate information and has ignored any and all documentation that has been sent to Resurgent Capital Services. Resurgent Capital Services is in violation of the consumer laws and has repeatedly displayed a lack of regards to the consumer laws.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NJ)

A couple of weeks ago, I tried to open a bank account with XXXX XXXX. On XX/XX/year>, a representative from XXXX called me to verify my identity. XXXX uses LexisNexis Phone Finder. 

For whatever reason, I failed the verification which I found strange. I dutifully called LexisNexis to correct any misinformation. There was none. As such, I even ordered my consumer report. I have attached a copy of a separate letter which details the minor issues in it which I have already mailed to Lexis Nexis. 

On XX/XX/year>, XXXX again tried to verify my identity and still it failed. This time though, the XXXX representative, XXXX XXXX, and I called LexisNexis to verify that my information was correct. And again, everything was correct ; there was no mistakes. 

Nonetheless Truit wasnt able to verify me via LexisNexis Phone Finder despite my information being correct. 

LexisNexis has the moral and, as per the Fair Credit Reporting Act, legal responsibility to correct any mistakes. Because XXXX ( and imagine others ) can not verify my identity due to, I assume, a technical issues, LexisNexis is failing at its obligation.
Consumer complaint received 2023-01-20
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. (PA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

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 2023-08-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (GA)

I reached out to Westlake Portfolio Management via US mail on XX/XX/2023 requesting a debt validation for a debt resulting in a car loan. Westlake reached out to me numerous times regarding the alleged debt requesting payment even after the receiving the requested information. I was contacted via phone, email and US mail stating that if a payment was not received then they would be forced to take further action. It is now XXXX XXXX and I have not received the debt validation but they are now reporting on my credit.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CORELOGIC INC (IL)

VIOLATION TO CONSUMER FCRA AND METRO 2 XXXX # XXXX TXXXX 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
Consumer complaint received 2021-03-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAM National Arbitration and Mediation (TX)

Company called ADR called my husband, claiming he has a XXXX debt that needs to be taken care of. Said that it had to be taken care of right then, or he would be taken to court. No notification or prior notice had been sent by this company. They called my phone the following day, and then refused to speak to me because I am the wife, and not the debt holder. After multiple times of being hung up on by the lady who spoke with my husband  and her supervisor, he finally explained to me. Claimed it was a debt from 2002, almost 20 years ago. Said I had to pay at least XXXX TODAY, or a judgement  would be filed against us. He was extremely rude ( I was not nice back ), telling me that he was XXXX, and I would not talk to him in that way, that I needed to respect my elders. He called me a XXXX, because he cut me off before I had a chance to explain what I was saying. I was driving and taking my mom  to a doctor 's appointment and he told me I was making excuses to not pay. It was an overall horrible conversation, and I can't find anything legit about this company. They've called from multiple numbers, and none of the numbers bring any information up.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Over the past 10 years I had check my credit report, on XX/XX/2019 XXXX XXXX XXXX called me and said I owed them {$2800.00} which I had no knowledge of that's when I realize I was a victim of Identity theft. I filed a police report and a report with the FTC.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I opened account # XXXX with Toyota motor company and my son XXXX XXXX was the co-owner of the vehicle a 2009 XXXX XXXX. Unfortunately, I fell upon some financial hardship and a XXXX filed a XXXX XXXX bankruptcy. My son had never filed bankruptcy and has never filed bankruptcy. The XXXX was being paid monthly in the bankruptcy payment. In addition to those payments my son and I made additional payments which not only kept in line with both the original contract for the XXXX but also with the bankruptcy contract. 

We have the payoff letter and received the title to the vehicle. 

Essentially, the XXXX was paid in full before the contract end date. There was an over payment made that Toyota refused to return to me until I filed a report with the XXXX. 

Toyota is now reporting the Bankruptcy on my sons credit report. My son does not have a bankruptcy in his history. We contacted Toyota and asked them to adjust the information they are reporting to me sons credit and they refused. 

I am hoping you will be able to assist with this. Again, the vehicle was paid in full before the original contract or the chapter XXXX  contract date was reached.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

Purchased a new Kia from Kia Motor finance XX/XX/XXXX and 5 months later it was totaled by another driver that hit me in XX/XX/XXXX. I was making my monthly payments that Kia was slow to report on my credit report at first. When the car was totaled, the other insurance company made a pay off in XX/XX/XXXX which did not settle the balance. I had to do a dispute to show the reduced balance since Kia was still showing the full amount due. The dispute was done XX/XX/XXXX and completed XX/XX/XXXX. In XX/XX/XXXX Kia started calling me to make payments when I told them it was in a law suit and would be settled. I finally made 2 payments of {$400.00} on XX/XX/XXXX and XX/XX/XXXX. Kia never reported those payments. I received my settlement in XX/XX/XXXX and Kia accepted a reduced offer of {$2200.00} for the balance on XX/XX/XXXX. I had to call about 20 times till I finally got my pay off letter on XX/XX/XXXX. I started another dispute since the 2 payments were not showing up and finally on XX/XX/XXXX my reports were updated but had the wrong information. It showed account was open and there was a balance. It is taking me so long waiting the 30 days for a dispute so I have turned to you to see if I can get results in a more timely matter.
Consumer complaint received 2021-04-26
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: EQUIFAX, INC. (FL)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance to Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission, which I have attached to this complaint, which was sent with my original letter sent to your company, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you