davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
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 (TX)

My car was financed through Kia, which I purchased in XX/XX/XXXX. I paid on time for 1 year, then in XXXX of XXXX the car was totaled. I informed Kia as well as my Insurance Company and My GAP insurance. Kia failed to send the proper documents to the Insurance companies. This was told to me by both Insurance companies, In XXXX both companies informed me they had all my paper work they were waiting on Kia to send in their paper work. Then in XXXX of XXXX I received a letter from Kia stating that it was finally done. But then in XXXX I received a letter stating I owed over XXXX. Not only that Kia reported my loan as a bad debt write off. How can they do this. I had Insurance as well as Gap insurance. 
This has damaged my credit score so bad I can't even get my home loan refinanced which I am in desperate need of during this hard time with my hours being cut. 
Please can someone help me get this matter resolved and fix my credit score.
Consumer complaint received 2022-05-14
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. (GA)

I see a number of inquiries on my credit report for XXXX, XXXX, and Transunion that I did not authorize in XXXX and XXXX. I keep getting frequent notices that my information was sold on the black market. I need this inquiry to remove from the credit bureau.
Consumer complaint received 2022-06-28
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account Account Name XXXX  XXXX XXXX Account NumberXXXX, has violated my rights. 
Account Name XXXX XXXX XXXX Account NumbeXXXX, has violated my rights. 
Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX, has violated my rights. 
Account Name XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

Hard inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA, XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX These accounts have 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
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NE)

I had a credit balance from overpayments. Chase can not find the money and can not find notices they sent me from latest of XX/XX/2020. Total is around {$2000.00}. Their customer service said only option is writing to their correspondence department and can not give any time on a possible reply.
Consumer complaint received 2020-11-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

For several months starting XX/XX/2020 I have not been able to speak with a person at Experian credit reporting agency. They have my S.S. number blocked as to where I am not able to speak to a person. I have received copies of my credit report however I can not speak to a person in regards to it at Experian. This should be some type of a violation because EXPERIAN has control over my credit score and is INCORRECTLY reporting on it! Ex. my credit score goes up and down in ONE TRANSACTION on the SAME day at the SAME time! HOW and WHY cant someone at Experian answer that! 
I have put in numerous complaints with CFPB and it keeps coming back the same. I am only interested in speaking with a person as to why my scoring is not reflected the way it should be and is being manipulated in a negative manner! I do NOT want them to send me another copy of my credit report as an answer to these complaints!
Consumer complaint received 2022-06-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JDJ Investments, INC. (LA)

Tried to call apartments who are claiming I owe this debt. They said I didnt owe XXXX $ that I owe XXXX $ They said I cant fix it because my lawyer has to call them. I am not sure whats going on but, its stopping me from being able to rent in other apartment complexes. I dont even know the correct amount Im supposed to pay or if I even legally owe this money. The apartments had a hate crime against me and didnt give me proper amount of days to move out when I moved out.
Consumer complaint received 2021-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tulsa Adjustment Bureau (NM)

I was not contacted for 2 years abd this charge which was paid in XXXX of XXXX and is noted by XXXX XXXX XXXX as workers compensation was attached to my credit for lack of payment. I was hit with XXXX points fir a bill I dont owe. I was told last week by TAB services that this was immediately remedied on theyd end as a workers comp and it would be removed from my credit. YET, they did not remove it, they only updated that it was paid in XX/XX/XXXX still effecting my credit reports and credit scores. Im asking to have these erroneous charges removed completely from my score and that my credit score no longer be negatively impacted by this biking which was paid in full by insurance 2 years ago. There should be laws on the books that if a collection agency is going to hit someones credit, they be required to circle back to their clients first to double check these bills are still outstanding. XXXX XXXX XXXX could have also corrected this by updating my file in the two years they gad a XXXX balance. Tab services is negatively impacting my credit and this bill was workers comp. it was avoidable and they still havent removed it knowing its paid and erroneous & hurting my credit. I am XXXX as I find T h a t a bit unethical.
Consumer complaint received 2021-05-27
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: Google Compare Credit Cards Inc. (GA)

Attached is the representment from google to XXXX requesting dispute reversal. 

The representment provided by google also indicated on the Case Summary, that I checked marked that " Authentication '' is required for each and every digital content purchases, which google failed to follow and allowed those unauthorised and unauthenticated charges to go through. These were not reoccuring subsrcription, because there were none.

I did not authorize those charges that didn't have my password.

Google authorised those charges without my permission, thereby putting me in a financial hardship.

For the fact that I requested for password to be entered for every digital purchase, and google allowed the purchases without password verification against my request, I am not liable for those unauthorised charges and based on the compelling evidence provided by google that comfirmed what I have been crying all along that I never entered my password to authorised those purchases as I had indicated when I stored my credit card on my google account, I am requesting refunds to every unathorised and unauthenticated purchases. 

The purchases that have Password verified, I authorised. 

The purchases that have " User Opted out of Password '', Google authorised, and therefore Google should bear the burden and consequences for allowing such without my permision.

I do not wish for this to happen to any consumer, ever again.

Companies are bound to honor consumers request when indicated.

On No circumstances should google should have allowed those unauthorized purchases without my permission.

The Representment from google did infact show that Purchases that I authorized have password verified, and Purchases that I did not authorize have " User Opted out of Password Challenge Password '', which was never supposed to happen. 

Out of the numerous unauthorised purchases, google only refunded one of the unauthorised purchases, in the amount of {$49.00}, while over {$2000.00} in Unauthorised purchases are yet to be refunded by google.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have been a victim of identify theft and I have reported the problem with local police, FTC AND CFPB I did notice some incorrect addresses and employer information that needs to be removed as soon as possible because it is incorrect. I have reached out to the companies already and got no help I have attached my Florida driver licenses which has my correct address. The employer information is incorrect as well and needs to be removed I am monitoring my credit daily sense my ex boyfriend use my information to obtain fraud accounts in my name.
Consumer complaint received 2021-02-24
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. (GA)

I have spoken with all the credit cards that are associated with my name and they will not clear up the negative effect this has had on me. COVID 19 was a disaster my husband and I maintained pretty good. We called everyone and they assured us that we would not get a late on our credit and now that we are trying to qualify for a house the scores have been effect I need these fixed immediately. The home we have been renting the owner has to sell due to COVID 19 and we would like to purchase but the late payments seem to be the only thing that is affecting us.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OK)

On or about XX/XX/XXXX I submitted a complaint to this agency as well as inquired to my mortgage servicer SPS as to why they filed paperwork to start foreclosure procedures and added that to my mortgage balance on XX/XX/XXXX even though they had given me a letter stating I had until XX/XX/XXXX to make a payment. I also submitted a QRW to them in XXXX inquiring as to why they were sending my payment of {$410.00} back, but did not send my {$4000.00} plus of payment I made all of XXXX even in a forbearance period and during a pandemic. I have yet to receive a response from them regarding either matter. My attorney has attempted to reach out to them with no response as well. We have started bankruptcy procedures. I am a single mother of 3 children and will be homeless. Even though I have been making payments and those payments were accepted and applied even during a nationwide pandemic in which I was impacted. I was impacted during COVID-19 and have attempted to reach out to them. They have yet to respond in writing. When my " relationship manager '' called me I asked her to respond in writing she hung up on me. I have that recording of that call as well and can provide it in a court of law if needed. 

I have also asked them who was the owner of my loan and they insist it is XXXX XXXX, but when asking XXXX XXXX, they say they are not. When I inquire about the mortgage assignment that is attached to my note of a handwritten document that finally attached after they attempt two times before to foreclose without an assignment. They have yet to provide an answer. The notary and the " manager '' who signed that assignment has given testimony and willing to testify in court about that document. The " manager '' says she was never a manager with the company of XXXX who was the original owner of my mortgage. That company went out of business in XXXX but the assignment was filed in XXXX with the XXXX XXXX XXXX XXXX XXXX in XXXX after the company had already closed. And after the date of the proposed assignment. 

I also sent SPS a letter stating that another company sent me a letter saying they had bought my mortgage and I made payments to them. I am not sure if that is accurate as I can not reach them and I am out that money. 

SPS and their parent company XXXX XXXX have been preying on borrowers and the American people for years. Court filing after court filing even with the the Department of Justice can prove that. 

They are not honoring a forbearance and relief period granted by the United States government.
Consumer complaint received 2022-10-19
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: Prince Parker & Associates (LA)

On XX/XX/22, I discovered an identity theft on my XXXX Credit Report. I contacted the reporting agency, but have not received a fraud packet. My identity has been stolen 8 times this year and I am extremely diligent with monitoring my credit. The alleged creditor is XXXX & XXXX XXXX. The collection Agent is Prince Parker & Associates, XXXX XXXX XXXX XXXX, XXXX, NC XXXX, phone ( XXXX ) XXXX.
Consumer complaint received 2022-10-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: UMB FINANCIAL CORPORATION (MO)

I am unsure exactly what type of mortgage fraud it is. 
There is a phone number that came back on my mother 's credit report to a woman. 
The exact same woman has mail continuously coming to our house along with several other random pupils mail. These individuals are people whom the either of us have ever even met. 
I looked the phone number up to the woman on my mother 's credit report and she once worked at UMB Bank.Several members in my family including my mother, both grandparents, grandparents business, and myself all had Accounts with UMB BANK over the years. 
My grandparents banked with the bank for many many years. 
I reported this to the post office months ago but have yet to hear back except for one time the same week of XXXX. 
My mother 's name is XXXX XXXX, she pays a mortgage on her home that my children and i occupy with her. Her monthly mortgage prices change seldomly as well.
Consumer complaint received 2022-01-06
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: CURO Intermediate Holdings (TX)

I'm getting several loan and credit card statements saying I've opened all these accounts and it's not me. 
XXXX XXXX XXXX Application # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX- date XXXX - {$200.00} approved XXXX XXXX XXXX- XXXX account XXXX ending XXXX and XXXX XXXX XXXX Ad Astra Recovery ServicesXXXX Inc.- XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX Approved XXXX XXXX XXXX- Account number XXXX $ XXXX approved
Consumer complaint received 2022-05-14
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. (TX)

I was granted forebearance & hardship from XXXX on my Mortgage and any missed or late payment are not to be reported to any of the XXXX reporting credit bureau per the forbearance law that the president signed. Experian is the only Creditor that is still reporting and hurting my credit. My forebearance & hardship has been granted by XXXX- when the co-borrower died back In XX/XX/XXXX. I submitted Mortgage assistance to XXXX as requested. My Mortgage loan is stated to resume, modified to new payment beginning XXXX of {$2400.00}. Relief was granted from forebearance & hardship to resume on XXXX. All the missed or late payment must be removed from XX/XX/XXXX to XX/XX/XXXX. 

Experian is the only single credit reporting agency that is still reporting my credit wrong and inaccurate. 

I have tried to fix this, but everytime i call they act like they do not know anything how forbearance works. I tried to download files and documents online and their website is unable to download. They have a serious problem on holding XXXX on someone credit report and demand... they fix and remove the late payment while I was in forebearance and hardship. The XXXX account under XXXX - mortgage - is XXXX XXXX and XXXX XXXX. XXXX XXXX has died, my spouse. I was granted hardship relieft until XXXX by XXXX
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DE)

We have a security freeze with all the major credit agencies for myself and my spouse XXXX XXXX, XXXX, and Equifax. The complaint is only with Equifax. On XXXX XXXX We temporarily lifted the freeze on these accounts. We were unable to access our online accounts with Equifax, we called and spoke to a representative at Equifax to complete the order. We then spoke to several representatives about this access for our accounts. These conversations lasted over three hours on XX/XX/XXXX. We are unable to check our credit report or credit score or lock or unlock our accounts. We were assigned case numbers for this problem. Equifax stated that they would close the old accounts and reset for new ones as they were unable to recover the accounts. I was told to wait three to five days and check back. We called again on XXXX XXXX which lasted another two hours the cases were escalated. We were told a second time to wait 24 to 48 hours. Still the same problem. We need our myequifax accounts accessible!!
Consumer complaint received 2022-10-21
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: MECHANICS BANK (GA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (TX)

I asked Cash App to provide me with the total amount of XXXX purchases and sales ( in aggregate ) on my account. They did not provide this information and explained to me it is not available. I need to be able to understand this information in order to buy and sell the cryptocurrency they offer on their platform.
Consumer complaint received 2021-03-31
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: JPMORGAN CHASE & CO. (MO)

I received a message in my email in box stating that I had placed an online purchase for a lap top computer in which I did not order. I called this telephone number that was in the email in XXXX to confirm that I did not place the order.After speaking to the individual on the phone, the process he was taking me through for some reason didn't sound right so I hung up the phone, because it felt as if I was being skammed in the process of trying to report a skam.Iwould appreciate if you could check or report that number up above as being a skammer
Consumer complaint received 2020-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

On XX/XX/XXXX I disputed a debt with XXXX ( XXXX  ) with both the collection agency at the time and XXXX  Credit Bureau. Both XXXX ( on XX/XX/XXXX ) and XXXX XXXX XXXX ( on XX/XX/XXXX ) deleted the debt. XXXX then gave ( or sold ) this invalid deleted debt to AFNI Collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX, IL XXXX ) who very aggressively and rudely called me and would not disclose who they were or why they were calling but instead asked me repeatedly about a former address. When I told the man I would not give personal information unless I knew why he was calling he became even more aggressive and rude and I had to hang up because I was worried and uncomfortable. I called AFNI shortly after and explained that this debt was deleted and therefore not valid and to cease contacting me. I additionally Chatted with XXXX ( I do have screen shots of the conversation attached ) where they assured me they were taking my debt out of their system and not to worry about it. Now I have received a letter from AFNI trying to settle the invalid AND deleted debt that they are aware is INVALID AND DELETED.
Consumer complaint received 2022-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (VA)

I have a XXXX cell phones services for my family from XXXX. 
I bought them from their website and connected during covid coz stores were closed. 
We put the account on Autopay since the beginning of the account. 
I suddenly see a letter came to us saying that my XXXX account is in collection for 2 diff bills on {$18.00} and {$54.00} that I am not aware of. XXXX customer services say they created sub accounts. 
I never got a bill or nor should I coz they are not my account number. 
So I disputed it with the customer service rep and they said it has gone to collections and I have to pay to save my credit. That was ridiculous. 
So I wrote to the collection agency saying these are not my accounts. Not sure what a sub-account is. Asked them to remove it from my record. My credit took a 54 points dive due to this. I need help to maintain my credit with this big corporate giant.
Consumer complaint received 2022-06-27
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. (VA)

Company has reported same medical debt 5 times in credit report. I have contacted the original creditor who verified that only one amount is valid. This bill is attached. The collection agency has reported this debt identical times on all reports. I would like all duplicates and the original to be removed as the multiple false reporting is harming my credit and is a violation of the FCRA.