davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-04
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$26.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Date : XXXX Someone, by the name of XXXX XXXX, hacked into my Regions on line bank account and using XXXX did 9 transferred out of my checking account totaling {$5000.00}. 

I discovered these transfers and immediately contacted Regions bank fraud department. 
Over the course of the last 3 weeks Regions told me my money would be refunded within 7-10 days. When that did not happen they told me the had to go to XXXX & it would be another 7-10 days.

On 2-9 I spoke with a Regions representative XXXX XXXX XXXX XXXX XXXX who told me that Regions believes I stole my own money because the IP address was the same as mine. I have checked w/ multiple folks that understand computers. They told me that IP addresses can be spoofed. 

I have never used XXXX in my life. I don't know who XXXX XXXX is and no one will help me at Regions. 

I am XXXX years old and that {$5000.00} is important to me.
Consumer complaint received 2022-07-04
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: CLGF Holdco 1, LLC (GA)

I did not authorize my information to be shared 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment Consumer law
Consumer complaint received 2022-05-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have reached the end of my lease and Toyota Financial not only isnt allowing me to extend my lease, but they are also reporting " late payments '' to the credit bureaus, without allowing me to make a single payment. 

Month after month they report late payment, despite several conversations about this issue every month. I have asked them countless times to let make the monthly payments, as I work out financing arrangements to purchase out the lease, but they say they can not accept monthly payments but yet report me to the bureaus as if they did give me the option to do so. 

I should not have negative and inaccurate reporting of " late payments '' when the company itself does not offer a way to pay or resolve the negative reporting.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC (FL)

Around the end of XXXX or early XXXX I called them to let them know I was still having trouble paying the monthly payment due to loss of income because of COVID 19 crisis. I Called them two times after this to follow up and they told me they were still working on this and they would get back to me. I never received a response from them until now on XX/XX/XXXX. I receive an email as a charge off letter. I called them immediately and told them I had never received any response from them prior. They said they had sent me emails saying they were offering me a re-age program which meant put late payments at the end of loan so I could start fresh now on XX/XX/XXXX. I reiterated I never received this email, never in my spam fielder either. They said they could not do anything because account was already charged off. This could ruin my credit for 7 years and I do not want this to happen. If I would have been informed properly I would be paying this loan right now.
Consumer complaint received 2020-10-15
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. (MS)

Customer service would not help and take care of inquiries reporting to credit report. 

XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2020-11-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I paid rent for my final months of living here at XXXX XXXX XXXX XXXX XXXX in XXXX. I mad one payment for XX/XX/2020 and one for XX/XX/2020 to my landlord XXXX XXXX from XXXX through the Bank of America. Mr. XXXX is very difficult to get a hold of when it comes to things where it is non beneficial to him in any way. He is also very unreasonable and he told me my lease ends in XXXX on the XXXX. That means I paid XXXX rent for no reason and without my cash I will not be able to find a new dwelling because my rent money is now gone. 

I was told nothing can be done. It is unacceptable for XXXX to acccept that payment and feel it is done with ill will and is fraudulent since there was never any intention on having me stay through the month of XXXX which i paid with good intent and was taken advantage of. 

This puts me in danger of Homelessness during covid19 with my XXXX condition it can even mean death for me on top of the homeless situation.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 I DID MADE THE PAYMENTS ON TIME I NEVER MISS A PAYMENT ON THIS ACCOUNT
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IL)

I already reached out to the credit bureaus and to DEPT OF ED/NAVIENT and notify them of their error posting of information on my report. I never missed any payment on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MI)

In XX/XX/2020, I purchased a cell phone from a third party seller through XXXX. The purchase was made using my Chase credit card. Upon receiving the cell phone, it became clear it was defective and would not hold any battery charge. I contacted XXXX to initiate a return/refund. XXXX promptly approved the refund so long as I returned the product using the " return authorization '' form which included the third party sellers address. 
I mailed the product using the " return authorization '' form using XXXX with tracking at the end of XX/XX/2020. Per XXXX records, the package was delivered to the seller and signed for by someone at that address. 
I waited, and waited, and waited and still no refund from the seller onto my chase card. 
So, I disputed the chard with Chase in XX/XX/2020. I provided Chase a copy of the return authorization form and the document from XXXX showing the package was delivered and who signed for the package. 
At the end of XX/XX/2020, Chase denied my dispute and said the merchant claimed I never returned the product. I immediately called Chase and reopened the dispute. I also resent the documentation. I also followed up with a phone call to their dispute center and got verbal verification that the documents were readable and included everything that was needed to get the charge taken off the account. 
Fast forward to XX/XX/XXXX, Chase denied the dispute again. According to Chase, the seller said that even though I have proof that the package was delivered and signed for by the merchant, I did not have proof that the merchant actually received it. I was told to refiled the dispute if I had additional documents proving that the person who signed for the package at the merchants address actually worked for the merchant. This would be impossible. I asked to speak to a supervisor. 

The supervisor then said that there was no need to redispute because the claim was so old that they would do nothing. The claim was filed within 30 days of the issue and I have been waiting for Chase and relying on the information they provided. 

Chase has continued to report this fraudulent debt to the credit bureaus affecting my credit score and now they are violating their no hassle dispute policy.
Consumer complaint received 2021-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (GA)

New car loan with Kia Finance. AutoPay was setup on the loan to pay. The first auto payment, in XX/XX/2021, was not processed due to an unknown reason. I had to manually pay online. 
The second payment was also not processed due to an unknown reason. Attempted to pay manually again while I figured out the issue and the account was locked. 
I called Kia Finance and found that the account was locked for 90 days because the account data for the auto pay setup was entered incorrectly. Unfortunately this wasn't known earlier so it could be addressed. 
Kia now says since the account is locked and all payments have to be made by phone with a {$7.00} fee added. I called Kia customer service to get this resolved but they refused to remove the lock or remove the punitive fee. I have no choice now but to call and make a phone payment and incur the additional {$7.00} fee. 
I asked Kia customer service to resolve this by removing the lock so I could correct the auto pay, but they refused. I also asked them to waive the {$7.00} fee until the lock is released but they also refused that option. 
I spoke with XXXX from Kia Finance, employee ID XXXX to try and resolve this matter. 
My account number with Kia Finance is XXXX.
Consumer complaint received 2019-03-29
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. (LA)

My credit report is not reporting correctly. I have made several attempts to remove negative items that I believe occurred due to identity theft. These items has lowered my credit score and has made it difficult for me to get approved for housing. I followed the processes of a trusted advisor to aide in fixing this issue, so far some items have been removed but a few still remain on Equifax. I am hoping that with your assistance, I can finally remove these items to reflect only the items that belong to me on my report.
Consumer complaint received 2020-11-03
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. (TX)

I sent 3 different letters to Experian, ( different accounts ) that they signed for on XXXX XXXX2020. Experian only responded to one of my letters, and never responded to the other two. I sent out a failure to respond letter that was delivered to them on XXXX XXXX2020 along with copies of each letter I sent, a copy of the one response they sent and all 3 copies of the certified tracking slips. Ive submitted complaints about how Experian has violated the FCRA by not inputting notice of dispute as well as failing to perform a proper investigation into my disputes. I recently received an updated credit report with no changes! Why were these accounts not handled properly. Experian failed to respond within the allotted time, however they still did not take the proper steps to rectify their mess up! Last time I made a complaint Experian responded they could not look into the situation because they were not sure I was who I claimed to be.
Consumer complaint received 2020-11-29
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: GOLDMAN SACHS BANK USA (GA)

XXXX  is violating The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which is a U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I have been a victim of fraud and identity-theft, which my personal information got stole/compromised with someone. I have filed a police report and have submitted an affidavit a number of times to XXXX, trying to get my XXXX credit file cleaned and fixed. On the other hand, I have submitted those documents to XXXX regarding a particular account called : Goldman Sachs Bank USA. This Account was opened on XX/XX/XXXX by an unauthorized person who stole my identity. XXXX removed the account twice and it got re-inserted on there because the company really think that I actually opened the account and provided unofficial documentation to XXXX, which is incorrect. I am highly upset because XXXX  is violating the Fair Credit Reporting Act and is reporting and re-inserting incorrect and inaccurate information on my credit file. My next steps are to file a small claims court lawsuit against XXXX for not complying with the standards of the Federal Government. Please correct this issue. This account was re-inserted on my credit file on XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. This is making me very upset and is causing additional stress in the mist of a pandemic of XXXX, which I was affected and those around me was affected as well. Please honor my request and have this fraudulent account removed from my Experian XXXX XXXX. Also, this is the only credit bureau this fraudulent account is listed on.
Consumer complaint received 2019-05-07
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. (GA)

XXXX XXXX is reporting a debt on my credit file that I not owe. I have never heard of this debt and received not one notification, letters, or any phone calls regarding this debt. I found out about this debt when I checked my credit file, and immediately paid it. XXXX XXXX is in clear violation of my 30 day right to dispute.
Consumer complaint received 2019-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a loan with KOHLS/CAPONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and KOHLS/CAPONE with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (CA)

I placed a fraud claim on my account on XX/XX/2019. the credit card company has stated that they have refunded my money but now I can not access my account online or through the app and my current card does not work. I was told on XX/XX/2019 that I was being sent a new card but I have not recieved one yet. I have no way of accessing my account at this time and the company has not responded to assist me. I was able to access my account 3 days ago through the app.
Consumer complaint received 2022-05-13
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. (OH)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # : XXXX, has violated my rights. 

15 USC 1681 Section 602 A. Stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX XXXX and XXXX XXXX XXXX  are reporting incorrectly on my credit reports and not removing them accordingly. They are reporting two accounts on my XXXX report and even after dispute they are still reporting incorrect information which is resulting in a lower score. I need the account removed off my report.