davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (MD)

We borrowed money to buy a car from KIA Motors - loan was for {$12000.00} in XX/XX/2019. 
In XX/XX/2019, we requested the full payment amount - we paid off the full amount by XX/XX/2019 after requesting a full balance due and paying it off. For several months after that, we continued to get monthly bills - we continued to tell the billing person that the amounts have been paid off. We even received a letter from KIA Finance that the loan has been paid off. However, the calls continued each month with a new person calling. 

We were recently denied credit and when we requested some further information, it turned out that KIA had reported a dispute and a balance outstanding in the approximate amount of {$310.00} which had caused our credit to be denied. 

We called them at their 800 number today and were told that we owe them approximately {$310.00} and we were not allowed to speak to a manager. The conversation was very abrupt and we were given no options including any accounting of why we owed the balance after we had paid off the loan, received confirmation that the loan has been paid and the title has been released. However, the person on the phone said that the title is not released in their system and that we owe them the money. He refused to allow us to see the documentation of the calculation and just said that we had to pay the money. He said that his record showed that the manager had communicated this to us earlier and was not ready to share the reason for the owed amount but we do not remember or recall such a conversation. 

Attached are the documents.
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022 I XXXX XXXX went to XXXX XXXX XXXX with a Bill Of Exchange and the finance Department XXXX said that they do accept Bill Of Exchange because it legal tender and Tender Of Payment. XXXX Provided me with they account and routing number for the wire transfer and said they bank with Wells Fargo as I do to. Upon entering Wells Fargo the Bank Teller Was Nice and did seek advice about the Bill Of Exchange cause she was unaware of the Bill Of Exchange. She later on stated the Legal Department Viewed my Bill OF Exchange and said Wells Fargo Do Not Offer Those Services. 12 U.S. Code state Different. Also state any member bank may accept drafts or bills of exchange drawn upon it having not more than three months ' sight to run, exclusive of days of grace, drawn under regulations to be prescribed by the Broad Of Governors of the Federal Reserve System. I Then Called Wells Fargo Corporate Office Headquarters and they stated The Treasury Management and Trades Service Department had the same findings that they do not have the function to process my Bill Of Exchange. I have Legal Court Documents that show if you are in the Banking Business A Bill Of Exchange is a Form Of Payment and is used to Discharge/ Set-Off Debt do to XXXX. Its the United State Obligation to Discharge all Debt Of America. The Law Never Change. A Bill OF Exchange is Basically A Federal Reserve Note and Banks Do Deal With Them Type Of Instruments. Bills Of Exchange, Promissory Notes, Etc. Never once told it was fraud cause its not knowing that I do have legal documents of judge saying a bill of exchange is a banking instrument and if your in the banking business its acceptable. I AM BEING DISCRIMINATED AGAINST. On My Bills Of Exchange you'll see it comes with a Full Letter Of Advice and They Was Supposed to Fund The Account Of XXXX So I Can Pick UP My Car But They Interfered with Commerce and that against the law felony under the XXXX Act. XXXX, PUBLIC LAW 73-10, REGULATION Z " TRUTH IN LENDING ACT '' ( REGULATIONS J ) ALL THIS IS INCLUDE ON MY BILL OF EXCHANGE TO MAKE IT LEGAL TENDER AND TENDER OF PAYMENT. WHY AM IT BEING HELD UP?
Consumer complaint received 2020-06-24
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. (LA)

I received notice on XX/XX/XXXX that my Transunion credit score had gone down and when I signed in I found an account from XXXX XXXX XXXX that said that it was a student loan opened in XX/XX/XXXX and most recently updated in XX/XX/XXXX. First of all, I did NOT attend school there in XXXX or XXXX and sure as heck didnt have a loan from XXXX XXXX XXXX. My credit report now says I have 18+ past due payments over the last 25 years and brought my 100 % payment history to an 80 %!!!!!!!!!!!!! Are you kidding me????? 
Transunion obviously has a bunch of morons working for them. This has got to stop!
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trojan Professional Services, Inc. (NJ)

XXXX and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NJ, XXXX, TROJAN PROFESSIONAL SE XXXX Date Opened XX/XX/2018 Balance : $ XXXX
Consumer complaint received 2020-07-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (NC)

A collection agent named Deville Asset Mgmt just reported a {$5700.00} collection account on my credit report. Prior to the appearance of this account on my report, I received no correspondence from Deville Asset. I should have received a 30-day notice to dispute, which i did not, which is a violation of the Fair Debt Collection Practices Act. Furthermore, the original creditor ( XXXXXXXX ) has already reported negative information about this debt for seven years, so a new reporting of this same debt is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-07
Product: Credit reporting 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)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2020-06-24
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. (LA)

I received notice on XX/XX/XXXX that my Transunion credit score had gone down and when I signed in I found an account from XXXX XXXX XXXX that said that it was a student loan opened in XX/XX/XXXX and most recently updated in XX/XX/XXXX. First of all, I did NOT attend school there in XXXX or XXXX and sure as heck didnt have a loan from XXXX XXXX XXXX. My credit report now says I have 18+ past due payments over the last 25 years and brought my 100 % payment history  to an 80 %!!!!!!!!!!!!! Are you kidding me????? 
Transunion obviously has a bunch of morons working for them. This has got to stop!
Consumer complaint received 2024-11-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

I received a debt collection letter from you. Do you have the right person? Please supply me with a contract or agreement signed with your company or the Creditor. PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. PERMISSIBLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owning this debt. Thank you for your immediate cooperation
Consumer complaint received 2022-07-14
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: EQUIFAX, INC. (FL)

30 days ago i contacted each CRA to update my credit report and take of all negative items hurting my lively hood in which they did a false investigation and never rectified the accounts
Consumer complaint received 2022-07-17
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. (SC)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX Account # XXXX and 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
Consumer complaint received 2022-07-14
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. (FL)

30 days ago i contacted each CRA to update my credit report and take of all negative items hurting my lively hood in which they did a false investigation and never rectified the accounts
Consumer complaint received 2022-07-17
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. (SC)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX Account # XXXX and 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
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (NV)

On XX/XX/2022, I sent XXXX, Equifax and XXXX a copy of my credit report that I obtained from them stating that they are reporting unaccurate information on my consumer report, however it keeps coming back VERIFIED, how is this possible when everyone is reporting this item completely different? FCRA states all items MUST be reported 100 % accurate. I provided evidential documents to show the inaccuracy of the account, however they still choose to ignor the documented FACTS that I received from them. XXXX, Equifax and XXXX need to be held accoutable for their NEGLIGENT FCRA REPORTING. Every date of last activity is reporting years apart, balance ECT...
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

On XX/XX/2020 I sent a letter to all three credit bureau 's asking them to send me a letter of " Method of Verification '' as to how they obtained information about a bankruptcy on my credit report. In that letter, which I sent certified to each, I enclosed a copy of my DL, SS card, CCW   license, and a copy of my lease. More than sufficient to identify me. None of them responded so I sent another letter with a copy of the first letter and my identifiers enclosed again on XX/XX/2020 asking if they would please respond. Still nothing from any of them. Then I called XXXX  which was the only one I could get a human on the phone to talk to and I got a supervisor named XXXX. XXXX proceeded to tell me that even though they didn't respond in the 30 days per the Fair Credit Reporting Act, he wasn't removing anything from my file because the letter I submitted from the Bankruptcy Court stating they do not report to the credit bureaus - he would not accept because it didn't have my case number and the seal from the court. Clearly continuing to violate my rights under the Fair Credit Act saying that they are required to remove it from my credit report because they failed to respond in the 30 days. I then submitted a 3rd letter from the court with my case number and the seal on said letter plus all other additional letters and ID 's previously mentioned, again certified to all 3 credit reporting agencies on XX/XX/2020 demanding them to remove the bankruptcy from my credit report ASAP. I have still not heard anything! I am now in touch with an attorney to help me take them to court to have the bankruptcy removed. This is ridiculous. They have not responded in over 70 days to anything.
Consumer complaint received 2022-07-14
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. (MD)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XXXX XXXX XX/XX/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 2021-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

On XX/XX/XXXX to XX/XX/XXXX Fraud false checks was deposited into my account and the banking institution closed my account based on their terms and conditions. However on XX/XX/XXXX my payroll direct deposit was deposited into my account. I was informed that on XX/XX/XXXX a cashiers check will be mailed to me. I've gone to the branch and spoke to customer service to no avail. I have yet to receive my funds from the account as of XX/XX/XXXX. I've been left to feel more like the criminal than a customer. This is PNC Bank and the actual branch that I'm having the issue with is the branch in XXXX NJ. The XXXX XXXX Branch. I also feel discriminated against because on more than one occasion I've been asked what brings me to this branch. My address is not in that area, but nonetheless I didn't know there were boundaries for bank branches and I thought consumers are free to bank at any branch that is available to them as long as they are a consumer. I failed a complaint with the bank itself and now I would like to file a complaint with the CFPB. 
I can be reached at XXXX or XXXX XXXX
Consumer complaint received 2023-01-09
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. (FL)

I sent a letter to XXXX, XXXX, and Experian in the middle of the year 2021. It is now a new year and I still haven't received anything back from either reporting agency. 

According to 15 USC 1861i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Experian have 30 days to respond to my dispute. 

This is a violation of my rights according to the USC laws. 

Account info : 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 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-06-24
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. (NC)

Back in XX/XX/2020 I sent a certified letter to XXXX, XXXX, and TransUnion regarding incorrect, accounts that they are reporting in my credit report. This also included over 15 addresses and multiple incorrect versions of my name, phone numbers, and employment information. 
I asked that the personal information gets deleted as they are outdated and no longer applicable to my current status and for fear of identity theft, asked that the information should be deleted, which they have not deleted per the most updated credit reports that I have received in XXXX. 
There were several accounts that reports as charged off and or in collections, and for each of the credit bureaus, the information across all three has not been reporting correctly, in the amount of the debt, date of last activity, and many other areas that is reporting incorrectly. I sent letters requesting that these information is disputed and requested that upon the outcome of their investigation that I receive updated credit reports, and method of investigation process none of this has been done. 
Responses from the bureaus are that the items are verified and remains, I sent follow up letters asking for the methods of verification, and received again that the accounts are verified and or updated. 
During said process I have sent certified letters to the collection company 's and have got back responses that they either do not have documents and are contacting the original creditor and or asking me to provide them with documentation to support my request for them to validate the debt. 
it is now XX/XX/2020 and I have not gotten any results from the credit bureaus and or collection companies. 
Please help me in getting closure and or results from these companies XXXX, XXXX, Transunion ( XXXX XXXX XXXX-XXXX XXXX ), XXXX XXXX ) ( XXXX-XXXX XXXX XXXX ) ( XXXX XXXX-XXXX XXXX XXXX ) Thanking you in advance
Consumer complaint received 2023-01-09
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. (MD)

When I investigated my credit report, I realized that some of the items was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 2020-06-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditor's Collection Service, Inc. (VA)

On XXXX/XXXX/2020, I contacted Creditors Collections in regards to a collection on my credit. I was asking questions about said debt and the lady, XXXX XXXX, was VERY rude. I asked if it was possible to get a receipt confirmation via fax, she said " Absolutley not, we never do that '' Okay, how about an email receipt? She said " That will take up to 36 hours '' I Said okay I '' m going to have to check with my advisor and see if that will be okay. ( I'm in the process of trying to buy a home so I needed proof of payment to this collector. ) I called back to pay the {$390.00} on the same day ( XXXX/XXXX/2020 ) I was put on hold for an extended amount of time, XXXX got on the phone with extremely poor customer service skills. Never asked me for my e-mail address and when I brought it up she said " It can take up to 72 hours for you '' .... at this point I told her she was being a XXXX and disconnected the call. I NEED PAYMENT CONFIRMATION ASAP.