davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
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: HYUNDAI CAPITAL AMERICA (PA)

This is my formal complaint to KIA FINANCE AMERICA for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The inquires in question must be investigated and deleted immediately. I would like this in accurate information investigated and removed from my credit profile immediately The following should be deleted from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 The following should be deleted from Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following should be deleted from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (IL)

I had a XXXX XXXX months ago then right after fell sick and was taken off for by my doctor and XXXX  have been off XXXX months due to XXXX XXXX  issues on unpaid FMLA! At that time I let the XXXX  XXXX XXXX XXXX XXXX XXXX  know this and that I would pay the balance due asap when I am released to XXXX. I an twice widowed, went through all of my savings while off paying my living expenses with it and my credit was ruined after my savings ran out on XX/XX/2022. I am still off all bills are behind and I have no way to get a loan or credit card or pay anyone as my score has tanked to XXXX due to all. I work for the State of XXXX XXXX  and was denied my workers comp and disability. I also provided insurance for them to try to bill all as well as XXXX while I am off work. In addition this bunch of crooks at the collection agency have padded the balance by several hundred dollars so committing fraud and are sending notice via my email instead of mail which I never gave them my approval to do!! I will not be paying the bill at all now!! This is my official CEASE AND DESIST to them and I am contacting a lawyer about suing them!!
Consumer complaint received 2023-06-28
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXX Balance Owed XXXX {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$2700.00} XXXX
Consumer complaint received 2023-06-27
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: CarMax, Inc. (TX)

On XX/XX/XXXX my credit report was pulled from XXXX financial institutions. Those companies that are reporting on my XXXX Credit report are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Carmax XXXX XXXX XXXX XXXX. 

As well as XXXX XXXX on XX/XX/XXXX I have received my own financing from my bank XXXX where they gave me a check for the total amount for the car I was purchasing. I never gave Carmax or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. 

Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.
Consumer complaint received 2023-06-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AZ)

Sent correspondence to XXXX XXXX XXXX XXXX asking to validate the following account : XXXX XXXX XXXX was the original creditor. XXXX XXXX XXXXXXXX is the debt buyer. The actual collector for XXXX XXXX is Resurgent XXXX of which I never received notification asking to resolve the debt, notification came only from XXXX XXXX XXXX XXXX ( dated recently as XX/XX/23 ). 

They simply listed the amount owed as {$680.00}. The previous balance of {$620.00} ( the amount that should have been itemized had " Fees charged '' and " Interest charged '' added to it to reach total of {$680.00}. I am requesting full itemization that leads to the previous balance of {$620.00}. This would include items such as credit card charges, payments, or credits for example. 

I also feel that this account should be removed from any credit reporting until or unless full validation is given.
Consumer complaint received 2023-06-26
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: Bread Financial Holdings, Inc. (TX)

Hard credit hits on my credit from XXXX XXXX, XXXX and Comentity Bank XXXX XXXX 

ALL NOT ME. 

PLEASE HELP ASAP
Consumer complaint received 2023-06-27
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: AMERICAN EXPRESS COMPANY (FL)

I was charged for an out patient procedure performed at a XXXX XXXX XXXX on XX/XX/2023. Before the charge I asked for a itemized breakdown of the all charges and was told they did not have a breakdown, just notes indicating the total amount due whihc was {$3100.00}. Days later after reviewing my explanation of benefits from my insurance company, the amount due by me was {$720.00}. I made numerous phone calls, mailed three letters to three different agencies and filed a compliant online with the Joint Commission regarding the calculation error. Since I did not hear anything, on XX/XX/2023, I signed into my credit card account to file a dispute for the difference of {$2300.00}. 
I provided copies of documents ( as well as my EOB ). I checked my account on XX/XX/XXXX, and saw the dispute was closed. I never received notification of the dispute, never received a temporary adjustment and never received notification regarding why the dispute was closed.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I was recently denied for a car loan as information supplied by Experian ( on behalf of XXXX ) makes it appear that my debt to income ratio is problematic. This is due to erroneous monthly payment amounts being reported totaling over {$700.00}, notwithstanding the fact that I am currently on an Income Driven Repayment Plan with a monthly payment of {$0.00}. I have been on this plan for years, and will continue to remain on this plan so long as I recertify yearly, which I have always done. This issue only appears in error on my Experian report ; my XXXX  and XXXX reports both list my monthly payment correctly at {$0.00}. 

In speaking with these companies, Experian blamed XXXX for providing inaccurate information, while XXXX blamed Experian for " interpreting the information they provide incorrectly. '' The bottom line is that SOMEONE is responsible for this inaccurate information, and responsibility can not simply continue to be shifted back and forth. The information needs to be fixed. Period.
Consumer complaint received 2023-06-26
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hard credit hits on my credit from Capital One, XXXX and XXXX Bank XXXX XXXX 

ALL NOT ME. 

PLEASE HELP ASAP
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I called Citizens Bank last week and spoke to a representative who said my bank bonus would post on XX/XX/year>. Today, XX/XX/year>, it still has not posted. 

I called again today at XXXXXXXX XXXX  and spoke with XXXX. He transferred me to the Contact Center without a warm transfer or update, and after being on hold for over an hour. 

I spoke with XXXX in the contact center, but couldnt get any information about the bonus from her either. The terms of my account were to open the checking account online, deposit a {$500.00} direct deposit, and receive the bonus by XX/XX/year>. I opened my account on XX/XX/XXXX, made a {$10.00} funding deposit on XX/XX/XXXX, and my direct deposit hit on XX/XX/XXXX, all within the 60-day timeframe.
Consumer complaint received 2019-03-02
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)

Experian has willingly neglected to delete and block information on my credit report resulting from Identity theft. They continue to host 30 day disputes which is not in accordance with FRCA guidelines regarding identity theft claims. All information has been provided to Experian through certified letter, prior CFPB claim ( XXXX ), and an existing CFPB claim ( XXXX ). 

An account with XXXX XXXX XXXX XXXX has been placed back on my report after 5 months of it being removed which reflects Experian has failed to block the information which is required by law. It is also out of the 30/60 day of investigation/re-investigation time-frame. 

All information supplied to Experian is attached and shows the multiple attempts to resolve identity theft on my report. XXXX and XXXX handled this matter professionally and quickly. Any further attempts from Experian to only dispute and not delete and Block the  information will result in legal action. FRCA guidelines are attached for use by Experian as they have failed to delete and block the information.
Consumer complaint received 2023-06-26
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. (TX)

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.

The letters are stated with items and issues. 

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 2023-06-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Self Financial Inc. (IL)

I had a credit builder account through self financial online and successfully paid it off to term. Through the loan process I used the balance of the money I had paid in ( {$1500.00} ) to place a deposit on their secured visa credit card. When the loan was finished and it was time for me to open another loan I didnt submit my ID verification documents snd ghe account and credit card account were closed on XX/XX/2023. The bank statements for XXXX and XXXX of 2023 state I am to be issued a refund of my deposit {$1500.00} and I have called this company 4-5 times and asked when I will be getting my deposit/payout sent to my account and they first said I needed to submit identification verification documents which I did promptly. That was back in the last week of XXXX of this year. Every other time I call and complain they tell me the escalation department will email me concerning the issue but they never do! And finally after the last call and request for information they sent me an email stating that they were not obligated to give me any time frame in which my money will be returned to me and thats a bunch of XXXX! Can you please help me get my deposit released and deposited into my account? Thank you.
Consumer complaint received 2022-06-21
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. (GA)

In accordance with the fair credit Reporting Act XXXX Account XXXX, XXXX # XXXX has violated my rights. 

Account XXXX, XXXX # XXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 


15 U.S.C. 1681 section 602 A. States I have a 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 2023-06-26
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. (TX)

I am writing to urgently request the removal of fraudulent information from my credit report. Upon reviewing my credit report for the purpose of purchasing a house for my family, I discovered multiple accounts, addresses, and names that are completely unfamiliar to me. This misinformation is damaging my creditworthiness and hindering my ability to secure a mortgage. 

Fraudulent 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated with these accounts, addresses, or names. I request an immediate investigation into this matter and the removal of all false entries from my credit report. The impact on my creditworthiness is severe, and I need this matter resolved promptly. 

Please provide me with the necessary steps and documentation required to support your investigation. I am willing to cooperate fully and provide any additional information or evidence as needed. 

Kindly confirm in writing once the fraudulent information has been successfully removed from my credit report. Additionally, I request a revised copy of my credit report to ensure complete resolution of this issue. 

Thank you for your urgent attention to this matter. I trust in your ability to rectify this situation promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NV)

I've been trying to contact and resolve the payment issue with PHH since XXXX. I acquired this home from a trust sale and I am the owner. I have been unable to obtain information or the assistance. I submitted a settlement offer along with all required docs and the company has consistently stated they haven't receive the information that was submitted via email that they've confirmed they received. in order to process the settlement they needed proof of funds for which I provided as well as contact information - since XXXX I've been going back and forth with the company because the claim they don't have the documents. The account has a relationship manager who refuses to call me back, iv submitted payments ad the company has returned the funds - I need help in reaching someone in the company who can actually assist me with making payment and approving a settlement. The company has been unresponsive and concerned with assisting through this ordeal. I was advised by the supervisor to not pay until I received a call or response about the settlement but that never happened and whine inquired I was told they closed the settlement because they never received the proof of funds which I sent 7 times. They even acknowledged reciting the documents on XX/XX/23 and advised that they were under review.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protection consumer rights to privacy and confidentiality under the 15 U.S.C. 1681. 
Account # XXXX XXXX XXXX XXXX ) 15 U.S.C 1681 section 602A, states I have the right to privacy 2 ) 15 U.S.C 1681 section 604A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

3 ) 15 U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than several years.

4 ) 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC (CA)

This complaint is in regard to the Zelle payment service used by my bank XXXX XXXX. 

A friend of mine sent me a Zelle payment of {$1800.00}. 

Her bank XXXX, has a glitch in their system which caused a double payment to be sent. She called her bank XXXX and one of those payments were cancelled. 

I received the {$1800.00} ( one payment ) in my account at XXXX XXXX, however my bank XXXX XXXX blocked my Zelle account as they said theres a claim of fraud associated with this transaction. 

Since this occurred, Ive had two called with ( 1 ) the sender of the payment, ( 2 ) XXXX representative, and ( 3 ) XXXX XXXX representative. 

XXXX has reiterated several times that : There was NEVER any fraud that occurred nor have there been ANY claims of any type made associated with this transaction. This issue was caused by a glitch in XXXX zelle system which caused a double payment to be made and one they reversed. 

I have been a customer of XXXX XXXX for over 35 years. I have used Zelle for over 15 years and never have there been any complaints or anything else associated with my account or use of Zelle. 

It has been over two weeks since my use of Zelle has been blocked from no fault of my own. I have requested several senior officials @ XXXX XXXX and Zelle to contact me, yet until this time, none of them have returned calls or addressed this issue. 

My Zelle account is still blocked. 

Please consider this an official complaint against Zelle and XXXX XXXX. 

The block on my use of Zelle should be lifted. 

Thank you. 

Sincerely, XXXX
Consumer complaint received 2023-06-27
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. (TX)

TRANSUNION has helped facilitate a cover of fraud for one XXXX XXXX. On my Fico report dated XXXX his name popped up at XXXX. Since that time XXXX XXXX charged off fraudulent charges starting the XXXX of XXXX. I am getting reports from XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX, and XXXX XXXX. This XXXX XXXX explains the some odd XXXX  credit report inquiries since the first of the year.
Consumer complaint received 2023-06-27
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. (AL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, US department of education account # XXXX, US department of education account # XXXX, and XXXX XXXX XXXX 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
Consumer complaint received 2023-06-28
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. (ID)

Proper investigation. I requested that they go off the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

This was not provided with the original signed contract, thus not aa proper investigation. Please assist with enforcing the company to properly investigate or remove the collection off my account.