davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Stern Recovery Services, Inc. (NC)

SRS recovery services continues to contact me despite me asking them to validate the debt and send me any information in writing. I have asked each time to no longer contact me by phone. The same repreaentative who called the last time, called again and said they would not. She disconnected the call when I said I had already requested they no longer contact me by phone.
Consumer complaint received 2023-02-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: HYUNDAI CAPITAL AMERICA (MN)

My Hyundai XXXX financed by Hyundai Motor Finance was stolen ( due to the wave of Kia/Hyundai break-ins that have occurred in XXXX  ) on XXXX. I promptly let my insurance companyXXXX XXXX, and HMF know about the theft that day and started a claim. On XXXX I accepted a total loss settlement from XXXX  due to the car being recovered and found beyond repair. XXXX then reached out to HMF for a payoff amount for the vehicle and was told {$9600.00}. On XXXX XXXX sent HMF a check for {$9600.00} which they accepted and cashed. Since XXXX HMF has claimed that they need additional money from me with no explanation as to why. XXXX closed the claim after the check was sent and I thought the matter was handled. I now have a balance of {$11000.00} on my credit file that is 60 days past due from HMF for the balance of a totaled vehicle that has been taken care of by my insurance company. With how poorly run HMF is and how they settled for {$19.00} million in fines for false credit reporting back on XX/XX/ I find it really hard to believe anything they are telling me and refuse to be harassed anymore. I want them to close my file for the totaled vehicle ( Just like my insurance company XXXX did on XXXX XXXX and remove the balance from my Credit Report so I can move on in peace.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (PA)

On XX/XX/23 I opened a Citi high yield savings account online. I was actually solicited to do so since I currently have 3 existing Citi Credit cards that I have had for years. I clicked on the link, opened the account via online application with no issues and even received a debit card and pin # in the mail for the account. I funded the account immediately electronically through my existing XXXX XXXX savings account. Everything was fine and all of the sudden I logged in and saw XXXX available balance when the day before I had an available balance. I called immediately and was read a script that my account has been closed and I could not be provided with an explanation over the phone. They informed me it would take 30-60 days to get my funds back via a mailed check to my address even though it took a matter of minutes for them to debit my XXXX XXXX account for these funds electronically. Now I am left here penniless. No money, no explanation. If there was a problem with opening the savings account or with my application for any reason, the application should not have been approved and the account should not have been opened. Please help me. This is unjust and unfair. I can not eat or sleep over this and I need help regaining my life savings. Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (FL)

Friday XXXX of XX/XX/2023 I open a business checking account inside the branch and deposited the checks that XXXXXXXX XXXX sent me for account closure. Received a call from XXXX this morning that those checks was already deposited and cashed out from them on Friday. Regions is failing to release my funds snd now is stating that their back office has the account on hold because of investigation of the checks 3 total XXXX, XXXX and XXXX all separate checks deposited into the account XXXX Ive spoken with other representatives from Regions and they stated I just to verify more information but when going back Regions that are stating something different. XXXX XXXX  is still releasing negative information about me in which Ive already frozen all information about me previously due to identity theft issues. They have all that information on file already but continues to report on my behalf in which they have been instructed to do so.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

These Hard Inquiries don't belong to me, hasn't being authorized by me thanks hard inquiry - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (GA)

I am writing to you because I am concerned about the accuracy and honesty of bureau 's data. According to FCRA section 611, It Is important that we have accurate records on file with those who rely on them most- including not Just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards I have found that there may be some inaccuracies in reporting going forward. If these issues are not promptly resolved I would love any feedback possible before taking action against you later down this rood together. The inaccuracies that are currently my report are having a serous negative impact on my quality of life The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate I am demanding accurate documentation so you can document me- the person who deserves status, Society - correctly Please make sure that all inaccurate are removed Immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.
Consumer complaint received 2023-02-28
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. (NC)

I XXXX XXXX my SSN is XXXX and my DOB is XX/XX/XXXX. I reviewed my consumer reports and noticed that there was an inaccurate account ( s ) on my credit report! 
I am a ( XXXX VETERAN ) have been experiencing depressions and Hardship I had a my personal information stolen I have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Also, there are fraudulent accounts on my consumer report! Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of their ability with maximum accuracy. I have never been late for payment for any of these accounts and some of these accounts are fraudulent accounts Delete these accounts from my consumer report and Fraudulent addresses! 

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 U.S. Bankruptcy Court Important dates Original filing dateXXXX XXXX XXXX XXXX  Latest status dateXXXX  XXXX, XXXX Additional details Reference numberXXXX Record typeXXXX XXXX bankruptcy discharged CourtU.S. Bankruptcy Court XXXX XXXX Important dates Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal dateXXXX XXXX Additional details Business typeFinance other than personal Contact info Address XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX I contacted TransUnion and asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these accounts to be DELETED /BLOCKED from my consumer report, or payment history must be updated to on time as they should be as I was never late.
Consumer complaint received 2023-02-28
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. (NC)

I XXXX XXXX my SSN is XXXX and my XXXX is XX/XX/XXXX. I reviewed my consumer reports and noticed that there was an inaccurate account ( XXXX ) on my credit report! 
I am a ( XXXX VETERAN ) have been experiencing depressions and Hardship I had a my personal information stolen I have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Also, there are fraudulent accounts on my consumer report! Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of their ability with maximum accuracy. I have never been late for payment for any of these accounts and some of these accounts are fraudulent accounts Delete these accounts from my consumer report and Fraudulent addresses! 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC 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  U.S. Bankruptcy Court Important dates Original filing dateXXXX  XXXX XXXX XXXX Latest status dateXXXX XXXXXXXX XXXX Additional details Reference numberXXXX Record typeXXXX  XXXX bankruptcy discharged CourtU.S. Bankruptcy XXXX XXXX XXXX Important dates Inquiry dateXXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX XXXX  Removal dateXXXX XXXX  Additional details Business typeFinance other than personal Contact info Address XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX I contacted TransUnion and asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these accounts to be DELETED /BLOCKED from my consumer report, or payment history must be updated to on time as they should be as I was never late.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting Act 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 an 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.
Consumer complaint received 2020-04-23
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. (TX)

A new account has been opened on my credit report. XXXX/XXXX  now appears on my report, and its got a XXXX dollar balance It was opened on XX/XX/XXXX, i did not open this account and have no clue who did. 

I filed a dispute with transunion and XXXX, and they say the information is accurate. I have no clue who made this account, or who is using it. I have no access to it.
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

They constantly keep harassing me, these charges has been on my credit report for years and I told them I'm a victim of identity theft. I never charged any of this debt. Please help me guys get my life back on track please!!!
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (OH)

XXXX XXXX  {$1100.00} balance, XXXX XXXX XXXX XXXX XXXX {$830.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX$690.00}, XXXX XXXX XXXX XXXX XXXX  {$330.00}, XXXX 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. 
XXXX XXXX
Consumer complaint received 2023-02-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to several charge off accounts on my credit report, including the Child Support Enforcement XXXX account, XXXX XXXX XXXXXXXX XXXX account, XXXX XXXX XXXX XXXX account, XXXX XXXXXXXX XXXX account, and XXXX  XXXX account. 

As you can imagine, seeing these derogatory marks on my credit report has been emotionally distressing. I have been struggling financially and have been working hard to improve my credit score, but these charge offs are hindering my progress. 

I would like to dispute these accounts and request that they be removed from my credit report. I understand that I have a legal obligation to pay my debts, but circumstances beyond my control have made it difficult for me to make timely payments. 

I kindly request that you provide me with any documentation or information regarding these accounts, including the original creditor and the date of the last payment made. Additionally, I ask that you investigate these accounts and remove any inaccurate or outdated information from my credit report. 

Thank you for your time and attention to this matter. I hope that we can work together to resolve these issues and improve my credit standing. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX, my husband 's hotel room was broken into and his wallet and cell phone were stolen. As a result of this theft, multiple fraudulent charges were made on the credit card associated with USAA and debits were made from our USAA account. In addition to this a XXXX transaction in the amount of {$1000.00} was made to someone named XXXX XXXX. USAA reimbursed us for the debit charges and reversed the credit card charges but they will not refund the money STOLEN from us. We have reopened the fraud case twice and they have denied it once and have not responded to it the second time. We do not know who that individual is, have never used XXXX to send him/her money before and have NEVER sent that much money by XXXX previously XXXX Also that transaction occurred on the same day as all the other fraud associated with my husband 's cards. USAA is in violation of Regulation E of the Electronic Transfer Act of the United States of America and needs to refund our checking account the {$1000.00} that was stolen from us.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Upon checking my report I noticed a account i fo not recognize I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (FL)

This morning I logged into my XXXX XXXX account. I noticed there were 2 hard inquiries on Equifax but not on XXXX. I did not recognize the inquiries and tried to find a way to dispute it but it was difficult to navigate. I did a XXXX research and found that I should contact the inquirer as well. After looking up the inquirer information I noticed that while they were physical entities, the address of the inquirers had been changed by just a number and the other address to be a phony XXXX XXXX XXXX I am concerned this may be an identity theft related event and that my personal information may be at risk. I am concerned someone is or has taken credit in my name and would like guidance on how to know or not. These are clearly fraudulent inquiries, XXXX XXXX as well as XXXX and equifax should diligently review these before applying them to reports.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (KY)

The date of the account delinquency is shown as 1 year and 8 months old. This account delinquency was originally with XXXX and it was a dispute over the closing charges on the account that I chose not to pay because I disputed their charges. This dispute took place in XXXX, XXXX so it is almost XXXX years old, not 1 year and 8 months.
Consumer complaint received 2023-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Key 2 Recovery, Inc. (MI)

As of XXXX key 2 recovery for amount {$250.00} was reporting this account to my consumer report see attached documents they removed and it is no longer reporting to XXXX. They are currently reporting to my XXXX XXXX and they are stating false and misleading information claiming that it is verified when it has already been removed. You are in violation and the information that is being reported is inaccurate.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I submitted a dispute related to a charge. I received notification that the dispute was resolved in my favor and closed. Several weeks later the dispute was reopened and more information was requested because the merchant has responded and contested the dispute.

( I had already received notification from the merchant that they would refund the charge, but they have not refunded the money )
Consumer complaint received 2023-02-28
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: CITIBANK, N.A. (AZ)

On XX/XX/2022 I went to an XXXX XXXX in XXXX to finance and audio system for my truck. Their financing partner is Brandsource by Citibank. The system was {$4100.00}. Immediately after getting my truck back I texted XXXX XXXX to state I wanted to return the system as the head unit they recommended was malfunctioning and had mutlipe issues. The store refused to allow me to return the merchandise and only offered to look at it in the shop. To this day the unit continuously malfunctions. Some things I've experienced are : audio muffled, audio blasting, absolutely no audio coming out, phone constantly dropping from wireless connectivity, screen freezing, and others. In order to fix whatever is happening I have to pull over, stop the engine, and then restart the engine. This has resulted in many situations where I'm on the highway and I just don't get to use the device I paid a lot for because I don't have time to pull over. It's a very disappointing situation being stuck with defective merchandise in my truck that I drive much more frequently than the average person, especially at the high ticket price I've had to continue to pay. I disputed charges with Brandsource and they denied my claim.
Consumer complaint received 2023-02-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/2023. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2023, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why these accounts shouldve already been deleted. The account not being deleted, proves I am owed monetary compensation for the violations of the fair credit reporting act