davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (KY)

Account was charged off XXXX. And closed XX/XX/2020, never sent 1099c form to notify so I could balance the books. I'm the XXXX of said accounts. And there's been No written agreement to share Any information pertaining to account.Experian/ XXXX XXXX Do Not have my permission at all displaying personal information
Consumer complaint received 2023-05-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

Vehicle was paid off in XXXX. We have been unable to find title. Went to dmv they said Hyundai finance still showed lean. We contacted Hyundai they told us we could log on and print release letter. This letter and information was not accepted by dmv they requested a notorized letter. We contacted Hyundai finance XXXX. We're informed that they would process release and we should expect in about 14 days. After 21 days or so we called back as we had not received it. We were once again told it would be sent. Few weeks passed and nothing. Third time we called they told us it had been sent to XXXX XXXX We contacted XXXX and they have no info on receiving any letter. They also stated there would be no reason as to why they would receive it as the car was not totaled. We contacted Hyundai finance once again, after speaking to supervisor they were going to " escalate " to next dept. Waited for response with nothing. Contacted them again only for them to just go back to say we need to contact farmers. We again contacted XXXX they say there is no reason they would have it not a way to get it. I have tried for past 3 months to get this resolved with no apparent effort or reasoning by Hyundai finance
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (CA)

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some items that are not mine. The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. According to FCRA section 605b, the credit bureaus must block or delete any items mentioned in an identity theft report. To aid with the blocking of the fraudulent items that were discovered on my report, I have included some documents. 
Inaccurate name : XXXX XXXX XXXX PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX  Date XXXX : XX/XX/XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I HAVE REQUESTED THE FRAUD ALERTS TO BE PERMANATELY REMOVED FROM MY CREDIT FILE. XXXX HAS REFUSED TO REMOVE THE FRAUD ALERTS ON XXXX OCCASIONS.
Consumer complaint received 2022-08-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank filed a foreclosure complaint containing a promissory note that I did not sign because the original lender denied my loan for the amount Wells Fargo is complaining of. Also, Wells Fargo attached a mortgage to its complaint to foreclose that did not have acknowledgements or have been sworn to before a notary.
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

I paid my XX/XX/2020 payment to Shellpoint Mortgage Company using my electronic bill pay service through XXXX XXXX. The check was for {$1400.00}. Shellpoint Mortgage Company cashed the check and then stated they never received payment. I contacted them by phone for approximately 2 weeks. In the course of one week, my wife and I were sent more than 24 notices from Shellpoint Mortgage stated I was delinquent. I had my bank send the cancelled check as proof of payment to Shellpoint Mortgage in the beginning of XX/XX/2020. The check is dated XX/XX/2020 and on the bank it is endorsed on XX/XX/2020 by " New Rez LLC aka Shellpoint Mortgage '' Additionally, I sent the copy I received from the bank. I also sent a copy directly to a supervisor on XX/XX/2020. I am still getting calls from collection agents from Shellpoint Mortgage attempting to collect money I don't owe.
Consumer complaint received 2022-08-04
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. (NC)

I submitted a request on 3 different occasions to Experian Credit Bureau to have the debt XXXX XXXX XXXX removed from my credit report. To my understanding, per CFPB complaint File number XXXX there was a settlement where this listed is to be removed from the credit report. I have provided this information on all disputes, however Experian would only mark my dispute as updated. When I requested information as to what was updated, I receive the same reply back, which lets me know they are not following the FCRA. Based on this disregard to my consumer rights, I am requesting for XXXX XXXX XXXX and all accounts related to this to be removed and deleted from my credit profile. This is a clear violation of not only my consumer rights, but also the FCRA.
Consumer complaint received 2022-08-05
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. (DC)

XXXX XXXX has closed my checking account due to fraud ; therefore, I did not benefit from the loan deposit. My XXXX  XXXX account was compromised and overdrawn due to identity theft. ( Account Ending XXXX ) XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$4500.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$2000.00}. 

I am a victim of identity theft and I never opened these accounts Please see the included FTC Identity Theft Report
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXX has closed my checking account due to fraud ; therefore, I did not benefit from the loan deposit. My XXXX  XXXX account was compromised and overdrawn due to identity theft. ( Account Ending XXXX ) XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$4500.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$2000.00}. 

I am a victim of identity theft and I never opened these accounts Please see the included FTC Identity Theft Report
Consumer complaint received 2020-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (GA)

On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item FRANKLIN COLLECTION SERVICE ( ADDRESS : XXXX XXXX XXXX XXXX XXXX MS XXXX ) Allege Amount Owed {$270.00} I have No knowledge of this accounts.
Consumer complaint received 2023-07-25
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. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 U.S.C. 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 2022-08-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (PA)

NCB management services incorporated sent a letter on XX/XX/2022 to collect a debt of {$6900.00}. This letter was sent due to failure of NCB to send me the supporting documents that I asked to see in regards to the debt in question. I wrote NCB and asked that they remove the Debt within 30 days if they can not find the documents I needed, and report this to the credit bureau. I responded within the time frame that they needed no later than XX/XX/2022. It is now XX/XX/2022 and they still have my account under review and it has caused me extreme financial hardship due to the false collection tactics and shady practices that go against the FDCPA.
Consumer complaint received 2020-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (GA)

On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item RENTDEBT AUTOMATED COLLECTION ( XXXX XXXX XXXX XXXX, TN XXXX ) Allege Amount Owed {$3600.00} I have No knowledge of this accounts.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (AZ)

After changing my phone number, I don't have access to my account anymore, because the bank sends a code to the phone number on file each time when a customer tries to log in. KabbageXXXX wouldn't even send me account statements. I have informed them several times that I have changed my phone number but they seem to ignore it. 

I sent them a written request on XX/XX/2022 to either change my phone number or to close my account. Today, on XX/XX/2022 I received a message on my new phone number from a lady with the name XXXX acknowledging that they received my letter and asking me to return her phone call. When I tried to return her phone call, someone else answered and refused to transfer me to her. This lady who would not identify herself also refused to discuss my written request to close my account.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I am a joint owner in this lian with my niece. Payments were behind with Credit Acceptance XXXX XXXX XXXX Mi XXXX. The account charged off in 2018 we were sued and payment arrangements were made with the attorney. It looks like the charge off was reversed and it is appearing as an open delinquent account on my credit bureau. I never received a notice that this was going to be done. I thought once an account was charged off that it remained as such unless an error was made by the creditor.
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (CA)

This debt concerns a 30 day trial of XXXXXXXX XXXX XXXX XXXX. As per their trial policy, if the account is cancelled and the device is returned within 30 days, the use for the first 30 days is free. I canceled the service and returned the device within the 30 day window. XXXX acknowledged this on two phone calls ( see dates below ) Nonetheless, XXXX has ( 1 ) charged me {$60.00} and ( 2 ) referred this non-existent debt to a debt collection agency ( XXXX XXXX. 

The relevant dates are below : XXXX - Order placed for the XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX - XXXX Device delivered to XXXX XXXX - Cancelled service via XXXX 's chat feature. XXXX told me to drop it off at a XXXX store ; they would not provide a return XXXX number. 
XXXX - XXXX Device was delivered, by hand, to XXXX store in XXXX, Montana. 
XXXX - I called customer service because I received a {$60.00} bill, despite having cancelled service and returned the device within the 30 day window. XXXX stated that they did receive the device in XXXX on XXXX, and it was received in the " warehouse '' on XXXX. XXXX stated that they would fix the bill and zero out the account. 
XXXX - XXXX confirmed again that I cancelled and returned the device within the 30 day window. They could not explain why the charge remained. XXXX opened an " investigation '' ( confirmation XXXX ; Order ID XXXX ) that they said would resolve the issue within 5-7 days. 
XXXX - I receive an email from MRS ( mrsbpo.com stating that XXXX gave them my " bill '' ( again, that XXXX twice stated should have been remedied and zeroed out ) for collection. Same day I called XXXX and was told there was nothing they could do because the " debt '' was in collection. 

This is a false debt collection ; there is no debt and XXXX and MRS are attempting to collect on a non-existent debt.
Consumer complaint received 2020-07-17
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 check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream home. 
The account listed below is not mine. Sent in multiple letters and haven't received any response. I don't understand why. Please help me ... 

List of the accounts ; -XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX
Consumer complaint received 2020-06-26
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. (CO)

XXXX  ; Experian and XXXX are incorrectly reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5.  These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as  well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (FL)

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. 


Account XXXX XXXX XXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account XXXXXXXX XXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account namXXXX  XXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 U.S.C. 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 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I called Equifax and asked if my personal information could be updated because all of my personal information is either missing or incorrect. I spoke with a Front supervisor ( XXXX ) after not getting an answer on why my report had new accounts on it if the information never matched to begin with. He became very irate, wouldnt give me his superiors information and told me to report him to CFPB.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am being charged XXXX per transaction for ANY XXXX transaction under my Capital One card ending in XXXX. I tried to discuss waiving this fee and they flatly said they would not discuss waiving it and that it is considered a cash advance. I have used XXXX for years with different cards both bank and credit cards with never more than a XXXX or small convenience fee but to have XXXX taken for transactions even when the transaction itself is under XXXX is completely predatory. I want to fight this legally but am not certain what are the next steps to take. I cancelled my card today. Please help.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (CO)

I agreed to move {$25000.00} into Huntington bank and keep it there for 90 days and as a perk I was to receive {$600.00}. When opening the account I put the money in a XXXX XXXX account and then when I'm checking on the funds they said it had to be in checking so I moved it over to checking. Now they are saying that that is Not new funds when I've done everything I was told to do. Yes I verified with a branch manager and a supervisor in the customer service department that I have indeed met the requirements. Checking on this for 2 weeks now and I have been ouldtold everything is OK. They're saying that the {$25000.00} that is in checking was a transfer within their bank and does not count. I have followed everything that they have told me to do and have confirmed twice that I have met the requirements with their bank personnel. I know that they have phone recordings when I've spoken to a supervisor and they have told me that I have met the requirements and I just need to wait for it to be deposited. I would imagine that you could request a copy of the phone records.
Consumer complaint received 2023-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

According to my credit report, I have an account with CAINE & WEINER. I am very confused about how I ended up with not only an unauthorized soft inquiry, but also a debt of {$190.00} that I somehow owe to CAINE & WEINER even though I've never done business with them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I do not, nor have I ever held an account with CAINE & WEINER. I have never signed any kind of physical agreement to pay this amount to CAINE & WEINER, nor has the debt been verified on my credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that all three bureaus have on file of the accounts listed above because their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the bureaus ( along with collection agencies ) are unable to provide me a copy of verifiable proof, they must remove the accounts listed above. I demand the following accounts be verified or removed from all three bureaus immediately.