davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX  account with 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.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
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 complaint received 2021-04-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (FL)

In anticipation of selling my vehicle ( XXXX XXXX XXXX ) that was leased with Kia Finance, I made some advance payments in XX/XX/XXXX, thinking that those payments would be immediately applied against my Lease balance. I subsequently determined through conversations with Customer Service Reps that any advance payments made on a Lease are not applied, but rather remain in a " Suspense '' Account. Amounts are only withdrawn and applied to the Lease balance as payments become due. Upon learning this, I contacted Kia and requested that they refund all of those advance payments, but subsequently only received checks totaling {$6000.00}. I subsequently sold my vehicle to XXXX and the lease with Kia was paid off on XX/XX/XXXX. As of that date, Kia Finance still owed me {$1900.00} as a result of those adbance payments I had made back in XX/XX/XXXX. I have made numerous contacts to Kia, and each time I call, they inform me the refund is still pending, and all they can do is send an email to their " Payment Processing Center. '' Everytime I call the response is exactly the same. As of today 's day, it has been more than 4 months since my Lease was paid off, and I still haven't received my refund of {$1900.00}. I am incredibly frustrated and feel totally helpless. Kia Finance operates with impunity, and apparently never even responded to a XXXX XXXX XXXX Complaint I had previously filed. 

My Account # is : XXXX The vehicle description is : XXXX XXXX XXXX The lease date was : XX/XX/XXXX The company name is : KIA Finance The company address is : Kia Motor Finance XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX The phone # is : XXXX My name is : XXXX XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX, FL XXXX My phone # is : ( XXXX ) XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (TX)

I do not have an auto loan with XXXX from 2019 to present. This is showing on my credit report and hurting my credit score. It needs to be removed. And find out who did this.
Consumer complaint received 2023-09-05
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)

On XX/XX/2023, I notified Equifax that there were several soft inquiries on my Equifax Consumer Credit Report by EQUIFAX XXXX XXXX UP that I do not recognize and I did not authorize. 

Upon review of my Equifax Consumer Credit Report dated XX/XX/2023, these unauthorized soft inquiries by EQUIFAX XXXX XXXX UP are still being reported.
Consumer complaint received 2024-11-06
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. (PA)

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX
Consumer complaint received 2023-02-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC (IL)

ATG has reported twice to my credit report for XXXX XXXX for two emergency visits XXXX for myself and XXXX for my minor son. We are on XXXX per the No SurpriseAct this illegal to try and collect such funds from a XXXX patient and or balance bill a XXXX patient. When I have brought this to their attention they told me that the debt was valid, they never sent me any documentation advising to this debt. They refuse to remove such debt even after the hospital as written this off for tax purposes and now are trying to collect double their money.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (UT)

I attended XXXX XXXX College in XX/XX/XXXX. The loan was in the amount of {$5000.00}. 
The loan was paid in full in XX/XX/XXXX to XXXX XXXX XXXX in XXXX, NY. I just received my latest credit score from XXXX   and its showing a student loan in the amount of {$18000.00} that was opened in XX/XX/XXXX. I've been living in XXXX XXXX, Utah since XX/XX/XXXX. I have never took out any student loans in XX/XX/XXXX nor do I know anything about the loan. If you have any proof of the student loan in question please mail the information to me at the below address. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX.
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/year>, I contacted XXXX to request additional information regarding charge-off account # XXXX, which is being reported by TransUnion, XXXX, and XXXX. Despite providing my full name, address, the last four digits of my SSN, and the full account number, XXXX responded on XX/XX/year>, stating they could not fulfill my request due to insufficient information. Adhering to protocol, I filed a dispute with the credit bureaus on XX/XX/year>. However, on XX/XX/year>, XXXX reiterated the same response, yet the charge-off continues to appear on my credit report. Both response letters from XXXX is attached. 

XXXX, TransUnion, and XXXX, how can you claim that the account has been verified by the creditor when XXXX can't verify me despite having all my details like full name, address, account number, and last four digits of my SSN? Please see the proof of attachment.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX IXXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-11-05
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. (MS)

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2020-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (IL)

My property taxes have significantly lowered. I have a disbursement coming up this month that is set to go to the county any day now. They are set up to pay XXXX more than what is due and have blatantly ignored my requests for an escrow analysis. Now they will disburse the wrong amount and I am going to have to wait for the county to cut a refund check. I love in XXXX and with covid it is going to take forever. I have sent them my tax bill. Emailed twice. Called and was promised it would be done in 4 days ( weeks ago ) and nothing has been done. My mortgage payment is almost XXXX dollars too high due to the projection as well. I also know that if the payment change is in my favor that the 60 day waiting period does not apply. I want my money back and my payment lowered immediately. They have ignored me long enough. I work for a servicer so I am aware it can be done. I pray my mortgage is sold and I never have to work with this pathetic servicer again. Update my payment. Disburse the correct amount. Analyze my escrow account and make the payment change effective for the XXXX payment. I know the law and I know it can be done. We are in the middle of a pandemic and this company is holding MY money hostage. I also have XXXX XXXX and could use the extra money for medication. Shame on them. They clearly dont give a XXXX about the consumers.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (MD)

Chime Bank mailed a check for me using their " Mail a Check '' feature to XXXX for {$4.00} on XX/XX/2023, and the app shows the check was cashed by the recipient. The recipient is stating they never received this payment, and needs a copy of the cashed/cleared check so they can initiate an investigation on their end. I requested a copy of the check from chime on XX/XX/2023. After initially being told in error that a copy of the check could not be provided, I was told one would be requested from the engineering team and would be forwarded to me within a few days. Over the past 2 weeks, I have tried to follow up with Chime more than a dozen times, and I just either get ignored, or I get form responses saying " we are still working on it. '' The biller is charging me fees and extra interest until i can prove to them this payment was made. Chime bank should be able to provide copies of checks sent on behalf of customers within a reasonable amount of time... it is unacceptable to make someone wait weeks for a copy of a cleared check.
Consumer complaint received 2021-06-16
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: BARCLAYS BANK DELAWARE (NY)

reviewing the following accounts that appear on my credit report, which were reported without any authorization, is hurting me : XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

12. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

17. Identity Theft XXXX/XXXX XXXX XXXX Account Number : XXXX This is not mine. 

18. Identity Theft XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX  Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

22. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

23. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

24. Identity Theft XXXX Account Number : XXXX This is not mine. 

25. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

26. Identity Theft XXXX Account Number : XXXX This is not mine. 

27. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2024-11-05
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. (IL)

I've recently received a copy of my credit and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health
Consumer complaint received 2023-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP (MS)

XXXX XXXX XXXX  did not comply with the 30 day dispute nor any requests I had made, and then filed a lawsuit against me in order to collect a debt that was paid through a debt consolidation company I was using. A dispute letter was sent via certified mail to XXXX XXXX XXXX XXXX as well as to XXXX XXXX XXXX which represent XXXX XXXX XXXX which was signed for XXXX. I received a motion for XXXX XXXX dated XXXX. I received a packet of papers for my written dispute which was postmarked for XXXX. I also have an attorney representing and she reached out to XXXX XXXX at least 3 times via email and no response to anything that was sent. The last court date I attended another attorney was in attendance not XXXX XXXX. The case was dismissed without prejudice. I had all documents from my debt consolidation as well as my attorney and this left the case open for them to pursue me further. I tried contacting Rausch Strum LLP for clarification on this matter and no one ever contacted me.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following 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
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2023-02-15
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-02-15
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected soon : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.