davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

I got a vehicle lease at Kia Motors about a year ago. Payments are constantly a hassle. The finance department failed to record and/or acknowledge payments at least three times within about a year and it was always up to us to provide records or copies of cancelled checks ; the finance department appears messy and disorganized. 
Calling their customer service is unpleasant and lengthy, their so called customer service acts as an aggressive collector more than a customer service department. On or about XX/XX/2022, I mailed a check to the same billing address we always have, the check was cashed on XX/XX/2022 but the company claims it never received it. 

A document mailed through the USPS to the correct address is presumed received by law so the moment I mailed it to the correct address my obligation has been fulfilled and it ceased to be my problem whatever happened after it was received, but as usual this company 's disorganization was made my problem not theirs and the account was reported to the credit bureaus in collections and my credit score went down almost XXXX points. 
I contacted Kia as well as their Legal department to no avail. I decided to pay again just to fix my credit score but this should not stay this way.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX, TransUnion and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 USC 1681 SECTION 602A. States I have the right as a consumer to privacy.

According to 15 U.S.C 1681- ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


These addresses does not belong to me or belong my credit report. 

1.1300 XXXX XXXX XXXX XXXX, FL XXXX 2XXXX XXXX XXXX XXXX XXXX, FL XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 5XXXX XXXX XXXX XXXX XXXX, FL XXXX 6.XXXX  XXXX XXXX XXXX XXXX, FL XXXX 7XXXX XXXX XXXX XXXX XXXX FL XXXX This is not my date of birth XXXX These telephone numbers does not belong to me or belong on my credit report 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX These names does not belong to me or belong on my credit report. 

1.XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. My fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. My fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rep but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my children. PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2022-04-26
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. (FL)

In XXXX, my mom helped me lease a XXXX XXXX XXXX and the financing was through XXXX XXXX XXXX. At the end of the lease, we turned the car in because I could not afford payments on it. The original sales person at XXXX XXXX XXXX wrote up my contract wrong for the mileage allowed during the lease, leaving my mom and I with a balance of {$1200.00} for the overage of miles. Neither my mom or myself could afford to pay XXXX XXXX XXXX at that time so we let it go to collections. On XX/XX/XXXX, I called and resolved this balance for full and final payment of the lien for around {$850.00}. They sent me a letter stating the account was paid in full and they would report it to the credit agencies as such. Fast forward to XXXX of XXXX, I tried to get a personal loan through a bank and they could not grant me the loan because my credit report was stating I still owed the full amount of {$1200.00} to XXXX XXXX XXXX. I called again in XXXX of XXXX, they apologized for the inconvenience and stated they would resolve it with the credit agencies. In XXXX of XXXX, I went to XXXX XXXX XXXX and bought a new car, but was told XXXX XXXX XXXX would not finance me because I still owed them {$390.00} from the original balance in collections. This is absolutely inaccurate and I do NOT owe XXXX XXXX XXXX a dime. This should be resolved as PAID IN FULL, not charged-off. This needs to be resolved ASAP. XXXX XXXX XXXX had 30 days from the day the {$850.00} was agreed upon and paid for to fix it with the credit agencies and they have still failed to do so. This is messing with my livelihood and is on my credit report to this day.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MO)

I contacted Webster Bank a few times by phone and they wouldn't said I had to write in ( which I did ) and I never heard back in XXXX & XX/XX/XXXX. 

1. I paid this home equity loan account off 100 % and was not late as they are reporting in XXXX, XXXX XX/XX/XXXX and in XX/XX/XXXX & XX/XX/XXXX. They are even reporting me late when I had sold my home in XX/XX/XXXX. I told them this and they still report late pays when I paid on time and reporting late pays when I didn't own the home- the loan was 100 % paid offXXXX I also paid on time in XXXX & XXXX. 
An Example of all the reporting errors and things that are untrue 1. on XXXX XX/XX/XXXX Webster reports I am 90 days late paying- I had already sold the home & paid off the entire balance and owed them zero.. 
2. on XXXX XXXX XX/XX/XXXX XXXX reports XXXX am 60 days past due in XXXX XXXX even though again- I paid off the loan and didn't own home anymore. 
3. on XXXX XX/XX/XXXX they said I paid on time but I didn't own home. 

All 3 agencies are reporting a different number of late pays- Webster are also reporting as the wrong type of account.on my XXXX reports it as an overdraft checking account.. Its not a checking account.. 

I want this account removed and deleted from all 3 credit bureaus- XXXX, XXXX XXXX and XXXX..
Consumer complaint received 2022-09-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Wolf River Development Company (MI)

On Friday XX/XX/XXXX I applied for a loan with XXXX at approximately XXXX. Around XXXX I called them to cancel the loan. I no longer wanted the loan at all. They refused to stop the transfer of funds to my bank and cancel the agreement. I then went to my bank and closed out all of my accounts associated with XXXX and started a different bank account. 

The bank manager assured me that it would prevent any transfer from fineday from posting and the money would be sent back to fineday funds. I then tried contacting them via phone again and they told me I needed to e-mail them to transfer the funds. 

I sent the e-mail late last night on XX/XX/XXXX. I told them I did not wish to receive any funds from them in any form. I wanted nothing to do with their company and I wanted to cancel the loan itself. 

Today on XX/XX/XXXX I received a response from fineday funds. They demanded I repay them {$670.00} in order to do business with them in the future or to pay them back {$650.00} and the loan would be cancelled. I never received {$650.00} from them. There was no possible way for me to receive {$650.00} from them yet they were demanding payment from me. On top of this they stated in the email Please respond to this email by XXXXXXXX XXXX XXXX on XX/XX/XXXX. Otherwise, you will miss the deadline for the cancellation of this loan. 

Which is deceitful. The deadline for cancelling the loan per the loan agreement states. You may cancel your payment obligations under this Agreement, without cost or finance charges, no later than XXXXXXXX XXXX XXXXXXXX of the second business day immediately following the Disbursement Date ( Cancellation Deadline ). Your right to cancel your loan only applies if your loan either hasnt funded or, if it has, the funds are returned to us as explained below. 

Friday XX/XX/XXXX would have been the first business day and Monday XX/XX/XXXX would be the 2nd business day and I would have a deadline of XXXX XXXX  and yet they were wrongly claiming in email that I needed to respond by XXXX or I would miss the deadline. 

I responded to the email stating I never received any funds nor is the deadline today at XXXX XXXX. 

They responded by telling me they could not cancel the loan because the funds were deposited into my account. Which is impossible because the account no longer exists.
Consumer complaint received 2021-12-27
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: EQUIFAX, INC. (NC)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.Pursuant to the Fair credit Reporting Act ( FCRA ) 15 U.S.Code 1681b its my consumer right to have these entries removed from my credit file. Block and remove these entries pursuant to 15 U.S. Code 1681c-2. Failure to comply is civil and criminal non compliance pursuant to 15 U.S. Code 1681n-o.
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c. ( A ) ( 5 ) Section states : 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 then seven years.
Consumer complaint received 2022-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (HI)

XXXX XXXX XXXXXXXX please read this, and know that it has been fradualent in that I have done the service work as a XXXX XXXX XXXX from XXXX, and I have made well over the required XXXX payments and I have filled out paperwork many, many times, and each time I am denied this has impacted our family, and to me it is lies by the government about the programs and how to get loans forgiven my wife says that THIS is diffferent, and I reluctant to even work with you as I have been lied to basically scammed in this process whey tell us you are going to forgive the loans and then just pay lip service to it are you guys for real? will you actually work with an XXXX Veteran who also worked with XXXX XXXX XXXX for XXXX years, along with XXXX XXXX XXXX and XXXX XXXX 

Send this to the federal government, send this to the company that I work with with my loans NELNET To me, it has been a scam as I have fulfilled all the requirements and been told no so many times Please help. Why the XXXX did i join the XXXX, why did I work with XXXX XXXX XXXX, etc. 
Why make those XXXX payments? ETC. 

You set the terms, then you did the lie by not abiding by the terms.
Consumer complaint received 2022-04-27
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 — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (SC)

I have new and updated information this is NOT credit repair. This is me, XXXX XXXX XXXX. Pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) - I have requested and I quote the descriptions of the procedures of the reinvestigations under the FCRA into each of the following account and entries furnished on my consumer report, that were verified as accurate. Early Warning Services has had ( fifteen ) 15 days from receipt Certified mail # ( XX/XX/2022 @ XXXX ) XXXX XXXX XXXX XXXX XXXX Green Return Receipt # XXXX XXXX XXXX XXXX XXXX XXXX The fifteen days are up. Early Warning Service has not answered my demand in accordance w federal law in providing the descriptions of the procedures of the reinvestigation within 15 days pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) and as such the following entries must be removed as they can not and have not been verified as accurate. 

XXXX  XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX Attached is my previous complaint and the response from Early Warning Services
Consumer complaint received 2022-04-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am not able to file a dispute on Experian website. I am continuously getting an error message and Ive tried to file a dispute on the website multiple times. You sent your response to me via your online system and I have a right to use this online system to dispute information on my credit report. I am not able to except use my rights.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2022 XXXX XXXX XXXX XXXX made a check deposit to me and my husband 's checking account. The check was for XXXX XXXX dollars made out to my uncle from a settlement with XXXX and XXXX. My uncle XXXX XXXX is currently incarcerated serving time in XXXX XXXX correctional facility at the moment. I have power of attorney over my uncle and was instructed to deposit the check into our account and use the money freely as he has no use for anything. i signed and deposited the check the ATM accepted it and Capital one cleared the check with different disbursement dates. Later that evening my husbands and my checking account was restricted and frozen. when I spoke with capital one several times, they instructed they would not XXXX restrict our account until they spoke with my XXXX XXXX XXXX which isn't possible. I need this resolved as the money is just sitting in the account and my husband and I have no access to our personal checking account.
Consumer complaint received 2022-04-26
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. (MA)

Experian continues to report inaccurate information multiple examples of evidence that the wrong information is being reported. 
The CFPB has failed to elicit a true response. Simply starting that they will do an investigation is NOT the same as giving a concrete, factual response with evidence they considered proof provided to them and reasoning behind decisions that effect my credit file. 
I expect a true response from experian and not a generic prescripted auto reply. I want specific details that directly relate to my case. 
I will attach evidence that has previously been submitted to them and expect Experian to explain their consideration of the facts.
Consumer complaint received 2022-04-26
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1861 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-26
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)

I am concerned as to why I have previously filed a identity theft report for some fraudulent information on my file and the company did not do anything about it. 
I have filed the FTC identity theft report as required by FCRA [ Fair Credit Reporting Act ], and have provided my identification, made it clear as to what information resulted from the identity theft and provided a statement from myself as the consumer involved. I sent the documentation via priority express and received a return receipt however, the agent states that they do not see anything that I sent in. The agent stated that when this information is submitted ( FTC report or police report ) the information will be removed without any questions. 
I am sending the information via this portal so that I KNOW and have third party proof they received the documents since I keep having this error. 
I have submitted an online dispute and it did not let me add the documentation like the agent stated. The reference number is XXXX.
Consumer complaint received 2022-04-20
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: Resurgent Capital Services L.P. (CA)

Hello, I have disputed this account several times and have not gotten anywhere. I was under the impression the account still belonged to XXXX  but they notified me that you now Resurgent has the account. 
This is a fraudulent account and I had a total of 2 accounts that were being reported. 1 was deleted due to fraud and 1 wasn't. How did they determine 1 was fraud and 1 wasn't. Doesn't make any sense. 
I have filed a police report, ftc report. If nothinggets deleted from my credit reports within the next 30 days I will retain a lawyer and sue for not only reporting a fraudulent account but for damages because I've been denied creditdue to this account being reported. 
Please see the supporting documentation attached. 
Thank you XXXX XXXX
Consumer complaint received 2022-12-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (AR)

Ive been trying to reach them for over 2 months, they have no customer service number and 10 emails have gone unanswered. I cant login to change my bank account for payments so late fees keep piling up and the balance keeps growing plus interest. Im tired of being ignored, Im trying to rebuild by credit and they dont care.
Consumer complaint received 2022-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

XXXXXXXX XXXX  responded with in accurate information also up dates my the account on my consumer report After submitted, responded sent emails, Ive made phone call to them for the last three weeks I spoke with several agents & was giving different information on the account each time! At this point their VIOLATING my federal protected consumer rights according to the Fair Debt collections Practice Act 15 usc 808 XXXX XXXX continue to use UNFAIR PRATICE ACT following 15 usc 1692d ( 1 ), ( 3 ) as well as 15 usc 1692 ( e ) Pursuant to 15 usc 1692 K 813 Following 15 usc 1635 I again DEMAND XXXXXXXX XXXX to zero out this account & remove any & all details off my consumer report As well as refund any & all payment ever made upon this account