davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OK)

Hello, I am writing to complain about ALL THREE CREDIT BUREAUS. They are illegally reporting a XXXX XXXX XXXX on my credit profile. I have sent numerous letters asking for the method of verification of the bankruptcy but they have ignored my request which is A VIOLATION! I even reached out to the courts and they advised they have not released any of my personal information to the credit bureau. This is illegal and I will sue for all possible damages. How are you guys reporting an unverified account? Also, I saw numerous FCRA Violations as well. Everything isn't reporting the same across the board 100 %. I'm not showing the court name across the board and the filing date is wrong. There is so many errors on this report is not even funny! Remove this unverifiable account NOW
Consumer complaint received 2021-07-14
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. (NC)

The three credit bureaus continue to allow XXXX XXXX XXXX to report XXXX medical bills on my credit profile, due to HIPPA violations, but they refuse to fix the glaring issue. This collection agency is revealing specific information about the medical facilty where the bills originated to be seen by potential creditors. My medical information is private, and this collection agency continues to violate my rights of protection, covered under this federal law. I have made repeated attempts to have the credit bureaus take action to correct this issue, but they continue to be complicit in allowing this collection agency violate federal HIPPA law.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Lease via XXXX XXXX. Due in XX/XX/2020. All lease contract obligations were paid in full on XXXX, paid via bank including any turn in fees, etc per the contract. Vehicle was turned in to dealership on XXXX. Dealership accepted vehicle and provided turn in paperwork to me. Lease/ Loan debt was fully paid as indicated by XXXX XXXX credit report update issued on XXXX showing that account was paid in full and has a XXXX balance. Experian Credit Agency XXXX. 
Credit agencies receive report that my loan is past due by {$390.00} on XXXX, though they indicated it was paid in full on their credit report submission on XXXX. They are now saying that an early termination fee is due, though I paid the account in full to satisfy all contract obligations. 
I have contacted XXXX XXXX only to be told that that is their policy and therefore could not be helped. 
I have disputed any claims of delinquency via Experian and XXXX XXXX credit reporting agencies.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX DEPTEDXXXXT Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Was offered a {$400.00} bonus for opening a checking account with them and completing two direct deposits before XX/XX/ 2021 and receive it ( as long as you don't close your account amongst other requirements ). I somehow became a victim of identity fraud ( second or third time now in my life, I lose count ) and instead of helping me with my issue, they close my account and told me that I would not be receiving the incentive in which I completed to satisfaction. I was recently laid off and became XXXX XXXX within 2 days, XXXX  my family ( wife and XXXX small children XXXX and XXXX ) .That additional money, even though coming next Month, XX/XX/2021, according to the small print, would be so helpful for my family.
Consumer complaint received 2022-05-18
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)

For 5 years, I have requested a document ( permissible permission used in XX/XX/2017 ) from Experian and XXXX XXXX XXXX XXXX ( XXXX ) to prove the XXXX loan was fraudulent. I complained to both companies. I get two useless results. 1 ) Experian does nothing, passes the buck and sends my request to XXXX who repeatedly states they are reporting accurately. 2 ) XXXX  immediately labels my complaints and request as " Marked as a duplicate complaint and This complaint appears to be about the same issues as your earlier complaint. '' The deflection and fear of liability is as a 3rd world government.
Consumer complaint received 2022-04-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc (FL)

XX/XX/2022 searched on XXXX gave a fraudulent website which I believe PayPal provides their customers. Only confirmation was PayPal email which seems official and was valid with my bank when I immediately disputed it because the PayPal customer service phone number is a menu that doesnt allow for any interaction with customers non-delivery of paid product and there was an email which was not PayPal customer service and was fraudulent. I am staying from PayPal because it is the largest scam in the United States and internationally where they fare better since most of their customers take a loss. Not only was there no confirmation that was valid with an ETA of the product and where it was coming from but there is zero communication for months and then two months later I receive a system generated email saying we can not help you with your issue of this charge due to your bank dispute which again was over seven weeks later with zero response from PayPal. This is incredibly dis concerning that a company with PayPals assets and operations is an out and out fraud. I already knew not to use it but this particular item there was no option to use your Credit card only so it went through PayPal
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2020, I called TransUnion to challenge the public record item showing on my credit file with them. The supervisor named XXXX replied stating that the record was verified with XXXX XXXX, but provided me the telephone number XXXX. That was strange to me because that is a XXXX XXXX area code, and to my knowledge we dont have a XXXX here, so I called and indeed it was NOT XXXX, it was the US Bankruptcy Court. So I spoke to someone in the courthouse, and they stated that they do NOT EVER validate or confirm bankruptcies. I have been writing and calling for an update on this item per the FCRA privacy law to no avail. Per FCRA section 609/a/1/a, the credit bureau must provide physical verification from the original consumer, as I've requested time and time again, if they can not this item must be eradicated as it is a violation.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CARCO Group, Inc. (TX)

On XX/XX/2021 a consumer background screen was ordered by XXXX to a third party vendor Precheck. I authorized the check with the impression that the third party vendor would follow the FCRA rules and guidelines when reporting. That meant following the 7 year rule. I consented to that. Upon completion of the report on XX/XX/2021 the report was released by the vendor Precheck with unverified, inaccurate data in which I reached out to Precheck during the investigation process to provide details. The report also violated my privacy in that it included information that may have been public records but was nearly XXXX years old without my knowledge that it would be reported. When I reached out to dispute the consumer report I was met with resistance and stonewalled. I was told by management that they had the right to report public records so long as it appears public with or without my express consent. As a result of defamation and gross negligence on the behalf of this company my employment status is in jeopardy, not to mention the possibilities of further discrimination and character misrepresentation.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that are reported on my Credit Reports : XXXX XXXX Balance Owed : {$15000.00} Date Opened : XX/XX/2019
Consumer complaint received 2021-01-29
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. (CA)

I have an incorrect inquiry on my credit report that was not authorized. The inquiry has had a negative affect my credit report. Below is the unauthorized inquiry. 

EQUIFAX XXXX XXXX  XXXX XXXX -- XX/XX/19 XXXX  has also sent a request to Equifax to remove the inquiry off my credit report.
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

My father, XXXX XXXX XXXX, opened up a credit card in my name using my social security number when I was just XXXX years old. I have not personally used this card and I do not have access to it. It is affecting my credit score. I need the card to be paid off my by father, as he is using it for his personal purchases, and I need the card closed and I need it nullified from my credit. The card is from capitol one and has a balance of {$1500.00} as of now. This card was unlawfully produced by my father from my social security number. I need it paid off my him and canceled.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NJ)

My Chime bank account was hacked and {$11000.00} was removed. 

Chime bank have not been cooperative in answering my questions as to how and when I was going to be made whole again with the money that was removed from my account. 

On XX/XX/2021 at approx. XXXX XXXX  I received a text msg from Chime with a security code which I had not requested. 

A few minutes later I received a 2nd security code. At this time I contacted my husband to see if he was trying to access the account and he said no. I then immediately phoned Chime support. 

While on the phone with support I received another text message stating that my email address on the account had been changed. Still on the phone with Chime I advised them of the text and advised her what my balance should be, she replied that there was nothing in the account. 

There were apparently 3 different transfers made at that time on XX/XX/2021 by someone without my authorization. At this time they told me to send copies of my ID to chime support which I did. 

I have been in contact with them daily attempting to get a status and an explanation of what was happening and how and when they were going to fix this situation and replace my funds that were stolen. 

At one point I received an email showing the 3 transfer transactions and also indicating 2 transfer returns totaling {$9100.00}. The 3rd transfer for {$2000.00} had still not been recovered at that time. 

During this time my account was locked from my first phone call when the email address had been changed from mine to someone else. Therefore I have had no access to the account to remove any of my funds that may have been returned. They would not answer questions but kept transferring me from one person to another and finally after days of phone calls they told me on Wednesday XX/XX/2021 that my account would be unlocked in 48 hours. By Wednesday night they had closed my account without explanation and I now have no way to contact them or to check on my balance. 

My concern is that I will not receive all of my funds that were in my account if I dont stay on top of this. There is no phone number I can call because I now have no active account due to their closing it.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc. (PA)

This account was an auto loan. It was closed and charged off in XXXX. In XXXX, GM financial reported to XXXX that the account was current by reporting a current payment which was fraudulent. GM financial reported this to keep my account in negative standing with the credit bureau. Despite several letters to GM financial explaining their fraudulent practices, there has been no movement in this matter.
Consumer complaint received 2021-01-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

On Monday, XX/XX/XXXX. a check was delivered to PHH Mortgage services, overnite payment office, received by the receptionist. Verified by XXXX XXXX, the check was for XXXX for XXXX and XXXX payments. I called on XX/XX/XXXX to verify and ask why it was not posted, the agent said he would send a message to cashiering dept. I emailed on Monday and Tuesday to the relationship manger email. I received two responses stating they received my emails. Today XX/XX/XXXX I have yet to receive any response or resolution. 
I called on XX/XX/XXXX and spoke to another agent checking on the status of the payment and if it was posted, I git the same answer, they are working on it and give them time. I called two more times, I requested an escalation manager on XX/XX/XXXX. Agent number XXXX, he said he will email cashiering and get back to me. He did not return my call XX/XX/XXXX or XX/XX/XXXX. I called on XX/XX/XXXX and spoke to agent XXXX, escalation manager, she rambled on about it being a process and they are working on it and there is no way to get a hold a chairing except through email. I was furious and said how the XXXX does it take one week to post a payment. This is illegal, this is disgraceful. So I wasted money on a XXXX XXXX  and wasted time and emotion all week trying to get payment posted. I need resolution. 
XXXX XXXX PHH account number XXXX
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I noticed inquiries on my credit report that I did not authorized and have notified XXXX, XXXX  and TransUnion that the inquiries were not initiated by me. The inquiries are still showing on my report at this time. The misuse and/or misreporting of my credit report goes against FCRA.
Consumer complaint received 2021-09-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

United Revenue has continued to willfully report inaccurate information of an alleged debt after being notified several times via certified mail. I never received notification from the debt collection company PRIOR to add this to my credit report which is a violation of the FCRA laws. I have attached the debt validation letters, inaccurate reporting, and certified mail receipt. 
This company has failed to respond within 30 days as requested from the debt validation letter. I have attached the certified mail receipt. 
The company has not been able to provide a contract with a wet signature for the alleged debt as requested. 

This account is reporting to experian only has been removed from the other credit bureaus due to inaccurate reporting of the alleged debt. 

There is a 1 month term showing for this alleged debt which is falsely indicating that there was a contract between myself and United Revenue Corp. which is not true. I have never had a contract with this debt collection company. 

There is another violation is showing a past due balance for a collection account which is a violation you have a past due balance for something you have never owed to a company you have had no contract with. 

This 3rd party, has no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. Familiarize yourself with 73 Am Jur 2nd, Section 90. You have no right to " subrogate '' ( substitute ) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you " bought '' the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction '' ( voluntary payee ).
Consumer complaint received 2021-09-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (NM)

On XX/XX/XXXX, we leased a XXXX XXXX XXXX XXXX XXXX  from XXXX XXXX in XXXX, NM, via Kia Motors Finance XXXX The car and service has been great and we have had no problems until attempting to exercise the " option to purchase the Vehicle '' as specified in writing in the lease. The lease states in section 9. Purchase Option at end of Lease Term : " You have an option to purchase the Vehicle from us at the scheduled end of the Lease Term, AS IS, WHERE IS, from us or a party we designate ( See Section 23 ), for the Residual Value on line 7D above ( " Purchase Price '' ) plus a Purchase Option Fee of $ N/A. You are also responsible for any official fees, such as those for taxes, tags, license and registration. Please see Section 23 on the back of this Lease for additional terms and conditions. '' Since the " Purchase Option Fee '' is printed as N/A ( not applicable ) we are entitled to exercise the purchase option for the Residual Value , printed on line 7D, of {$17000.00}. However, when we contacted Kia Motors Finance on XXXX XXXX XXXX, their telephone representative insisted that we must also pay a " Purchase Option Fee '' of {$320.00}. We informed her that she was mistaken and that both parties were bound by the written terms of the Lease. After approximately 20 minutes, she obtained a copy of the lease from their records and confirmed that it indicated N/A in the space for Purchase Option Fee. However, she insisted that such a fee must still be included or they would return the check. We calmly explained that would be in violation of the Federal Consumer Leasing Act and that if they persisted in this position, we would contact the CFPB and the NM Attorney General. She agreed to elevate the issue to a manager and get back to us within 72 hours. However, since we must pay the Residual Value by the fast approaching XX/XX/XXXX, we are alerting you in hopes that this can be resolved prior to that date. This error should not have occurred, and based upon the initial attitude of the Kia Motors Finance telephone representative ( she stated that they were recording the call ) it sounded as though this violation might be common practice. We also alerted the dealership ( XXXX XXXX ) of this problem, however the responsible manager was not in the office and would not be able to contact us until Monday, XX/XX/XXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX and XXXX XXXX  XXXX posted that the dates are currently being from 2022 not true they are accounts that are 7 years too old to be reported on my credit report and must be removed XXXX  was once reported before it was removed then someone changed the date on it to be current XXXX is reporting accounts that are 7 years and 8 years too old to be reporting and I gave all companies cease letter so by reporting on my credit report is a form of communication which violates the letter