davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP (NJ)

I was called by Key bank in XX/XX/XXXX stating that my XX/XX/XXXX payment was reversed for some unknown reason and was now 30 days late. I make elcetronic payment from my checking account and have done so without issue or change since XX/XX/XXXX. I contacted my checking financial institution and received verification of payment being made and no reversal of funds being returned to my account. I then faxed this information to Key bank and was told the matter would then be investigated. Made my XX/XX/XXXX payment and it was applied to my alleged XX/XX/XXXX missed payment and continued to receive phone calls and notice with late fees for a missed payment. We i speak to customer service at Key Bank I'm told they are still investigating and I should make payment to bring the account current. I refuse to make any additional payments until they find the money that was already sent to them with proof of receiving it.
Consumer complaint received 2020-10-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Premier Auto Credit (AZ)

I purchased a vehicle in XX/XX/XXXX I been paying it ever since then I got laid off work in XX/XX/XXXX due to the pandemic I spoke to the finance company and asked for more time to pay my XXXX payment they didnt wan na help me out then my XXXX payment came and I made both payments for XXXX each so the total was XXXX a week later the company repoed my vehicle now Im trying to get it back and they dont wan na help me get it back they are saying they dont want to finance me anymore cus I was laid off but my husband works so he can pay the payments I have XXXX  children ages XXXX and XXXX and not having a vehicle is really hard to get around to do grocery shopping And trying to go out and look for a job i would have thought that because of this pandemic I would be able to get help I have never missed a payment I was just late on my XXXX payment but still payed XXXX and XXXX and still got my vehicle repoed how is that possible?
Consumer complaint received 2019-06-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: HYUNDAI CAPITAL AMERICA (NV)

My auto loan is very high interest and I was pey of the 17 month and every month payment is XXXX . 
I'm taking the Hyundai finance company for fix it and make the best of it but don't fix it.I can't pay for the high interest for the car and l back car to the diler XXXX XXXX XXXX on XXXX XXXX NV.
Consumer complaint received 2019-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (FL)

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/2018 to XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MO)

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P. (NY)

Im writing to dispute an account fraudently opened in my name. Im a victim of identity theft and did not open this account. Im also a victim of identity theft and did not open this account. Im also a victim of the XXXX and XXXX breach. State ID and social security have been compromised. Im not responsible for any charges made to this account. I would like to request copies of any documentation, such applications or any other record showing the activity on this fraudulent account that provide proof I opened this account. According to federal laws this company is required to provide undeniable proof that this debt is valid.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Original case XXXX bureau stated public record bk XXXX XXXX was verified this was a lie and they are committing willful noncompliance. 

Bureau Warning XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) RE : Warning to Remove Incorrect Items from my Credit Report XX/XX/XXXX To Whom It May Concern, I have previously disputed Bankruptcy XXXX XXXX Public Record { Docket Number XXXX } with you, and in your initial response, you veried the item as accurate, stating that you have veried the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately. Sincerely, XXXX XXXX XXXX XXXX UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF ILLINOIS XXXX XXXX XXXX BANKRUPTCY CLERK Telephone XXXX XXXX XXXX XXXX CREDIT REPORTING INFORMATION The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. Bankruptcy filings are publicly available records. Any concerns regarding the accuracy of consumer credit files can be directed to the credit reporting agencies. Each credit reporting agency has specific procedures for consumers to dispute information listed in their credit files. The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) is the law that controls credit reporting. The Act states that credit reporting agencies may not report a bankruptcy case more than 10 years after the order for relief is entered. This is usually the bankruptcy filing date. For more information about the Fair Credit Reporting Act or directions on how to dispute information reported on your credit report, visit the Federal Trade Commissions website, or contact the FTC XXXX at XXXX ( XXXX ).
Consumer complaint received 2019-04-19
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: U.S. BANCORP (OK)

Hello, Upon looking at my credit report i see an inquiry was made on XX/XX/2018 from XXXX XXXX. I did not authorize this inquiry to on my credit report and i Have a security freeze on all my credit report which require anyone to verify anyone attempting to use my Social security number to contact me first before opening any new account. I am asking that this inquiry be removed from my report immediately. Thank you.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (CA)

on XX/XX/XXXX I recieved a report of my Credit. There it showed that my Barclay card had been closed. 

Today XX/XX/XXXX I spoke with a woman by the name of XXXX on customer service hotline. She stated that there was nothing that could be done for the card to be open. She reported that it had been closed in part by reporting of XXXX  and XXXX  suggesting that it be closed due to delinquent accounts. 

The accounts that were being referred to were unknownt to me and I do believe they were unpaid in error. I currently have a dispute to resolve on the accounts. 

I have no late payments to Barclays. I have paid very high APR and carried a high balance, and was just about to pay down the account when I realized that the account had closed on me. Customer service stated that there was a letter sent and there was nothing that could be done. 

As stated before, I have been in good standing with Barclay. I am now in hard and trying times as I am a sole creditor and rely soley on my credit to be able to even rent a place. I find it very unjust that my account be closed based on Transition, and another credit issue whih I am trying to resolve. I would like to continue business with Barclay and make things right.
Consumer complaint received 2020-09-25
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: AmeriCollect (WI)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.
Consumer complaint received 2024-08-28
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. (CA)

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding several accounts listed on my credit report that have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Accounts in Violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Details of the Violation : Right to Privacy : 15 U.S.C. 1681 Section 602 ( a ) : This section underscores my right to privacy, establishing the importance of accurate and fair credit reporting to protect consumers from the detrimental effects of inaccurate or unauthorized information. 

Unauthorized Furnishing of XXXX : 15 U.S.C. 1681 Section 604 ( a ) ( XXXX ) : It is stated that consumer reporting agencies can not furnish my account information without my written consent, except in certain limited situations. I did not provide authorization for the reporting of these accounts. 

Inclusion of Outdated Information : 15 U.S.C. 1681c ( a ) ( XXXX ) : This section prohibits the inclusion of adverse information in a consumer report if it is older than XXXX years, except for certain criminal convictions. The accounts in question contain adverse information that exceeds this permissible timeframe. 

Inaccurate Reporting : 15 U.S.C. 1681s-2 ( a ) ( XXXX ) : This section mandates that furnishers of information ensure the accuracy of what they report. They are prohibited from providing any information they know, or have reasonable cause to believe, is inaccurate. The accounts in question reflect inaccurate information that should not have been reported. 
Given these violations, I request that the Consumer Financial Protection Bureau investigates this matter and ensures the removal of the inaccurate, outdated, and unauthorized information from my credit report. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. ()

I have not been living in the United States since XX/XX/XXXX and I am currently residing in XXXX XXXX. I was trying to obtain a free credit report from Equifax today ( I have never tried to obtain one before ) and I was unable to get a free report as it prompted me to answer 2 security questions to identify myself but those questions are based on my current credit report ( which I do not have access to ) which indicates that 1 ) I  opened an auto loan/lease back in XX/XX/XXXX and 2 ) opened a personal loan installment account in XX/XX/XXXX which clearly are frauds as I am no longer living in the US so there is no way I have obtained these loans while I am physically in XXXX XXXX. Since I can not access my credit report I have no idea how much money was borrowed and which companies were involved therefore I would like to have an investigation on this and would like to have these corrected thank you.
Consumer complaint received 2024-10-27
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. (TX)

I just noticed unauthorized inquiries on my credit report today and have no idea how they got there. When I checked my report, discrepancies appeared out of nowhere. I tried refreshing my browser, thinking it was a glitch, but the inquiries remained. Please review the documents I sent so this issue can be resolved quickly, and I can have peace of mind.
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (LA)

Best Buy credit card, was XXXX when opened, now Citi bank. 

I just found out that I have been charged a " debt protection '' or " credit life insurance '' fee on my Best Buy credit card every month since I have had the card. I was told that I opted for this " service '' when I opened the account in XXXX, XXXX. I disagree as I would not willingly pay a fee for credit life insurance. My wife and I have enough savings to pay for something like this and we both also have life insurance policies. 

I have attached my statement from XXXX XXXX because that's as far back as I can access through my account. Also attached is the most recent statement form XXXX XXXX. The fee was charged every month since the account has been open.
Consumer complaint received 2020-10-07
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)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I paid off XXXX XXXX student loans over 6 months ago, and Equifax and XXXX both still report the accounts as active and in repayment ( and the balances as several XXXX dollars ). I contacted XXXX several times, and they confirmed theyve reported to all XXXX credit bureaus that the accounts are paid in full/closed. Ive also filed disputes with Equifax and XXXX- they closed the disputes without resolving them.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX  XXXX. XXXX BALANCED {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I applied for a loan modification in XXXX i submitted all the documents on XX/XX/XXXX and additional documents on XX/XX/XXXX, i received a email on XX/XX/XXXX stating that 4 items where needed with a due date of XX/XX/XXXX, the letter was address to me and supposedly mailed to me which would have been possible because it had the wrong address on it, also we spoke to XXXX XXXX who is the point of contact for this file and informed XXXX XXXX and my self of the missing documents on XX/XX/XXXX with a due date of XX/XX/XXXX basically giving us one day to get the 4 items in which was on a Thursdays day and we sent the documents in on Friday XX/XX/XXXX, directly to XXXX XXXX XXXX number XXXX which goes to her computer, we followed up with her on XXXX XXXX via email and left messages in her voice mail and called customer service regarding the documents only to be told we could send her a email or leave her a message, we didn't her back from her until XX/XX/XXXX only to told that she didn't get the documents to her efax which is the one we have used all this time, so we resent the 4 items again on XX/XX/XXXX, and of course bayview tells us its after the due date of XX/XX/XXXX and a sale date of XX/XX/XXXX which was more than of enough time to get the loan mod done but they would rather foreclose then to say that XXXX XXXX never responded XXXX XXXX emails or phones calls asking her to confirm that she received the documents that went out two weeks prior on XX/XX/XXXX, we included copy of the dated documents for XX/XX/XXXX a copy of the email from her on XX/XX/XXXX thru her automated dated document system requesting the documents the XXXX items and a copy of the emails asking her to confirm that she received the 4 items.we responded to every phone the same day or the next day from XXXX XXXX but she never responded to any of our emails or phone calls during XXXX XX/XX/XXXX, bayview had plenty of time to process this loan mod from XX/XX/XXXX to XX/XX/XXXX,
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Lender Inc (NV)

I opened an account with selflender.com for the purposes of building my personal credit score. I was informed they were a great company in terms of helping consumers build good credit using their own money. When I open my account in XXXX I was not informed that I could not mail my check in for payment on my account. Instead I received an e-mail stating my check was being returned to me because XXXX XXXX XXXX self lenders banking partner were not able to accept a paper check as a form of payment. I contacted self lender and informed them that check payment method was the only way I could pay due to my debit card being replaced. Self lender rep stated that would be fine and just make the payment when I could. Later when I looked at my credit report I noticed I had a 30 day late for the month of XXXX although my payment is current.