davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
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)

I am writing to dispute and request the removal of multiple payments incorrectly reported on my credit report. According to my credit history, there are instances where multiple payments have been recorded for the same account, which is in violation of the Fair Credit Reporting Act ( FCRA ) and the guidelines set forth in 15 U.S. Code 1666b - Timing of Payment.

In the case of Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), it was established that inaccurate reporting of multiple payments can result in a misleading representation of an individual 's creditworthiness. As a consumer, I have the right to accurate and fair reporting of my credit information. 

1. XXXX  XXXX Account # XXXX Please remove inaccurate late payment. Account paid as agreed 2. XXXX XXXX  Account # XXXX Please remove inaccurate late payment. Account paid as agreed 3. XXXX Account # XXXX Please remove inaccurate late payment. Account paid as agreed 4. XXXX Account # XXXX Please remove inaccurate late payment. Account paid as agreed 5. XXXX XXXX Account # XXXX Please remove inaccurate late payment. Account paid as agreed I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to address and request the immediate correction/removal of late payments on my credit report. After reviewing my credit report, I noticed inaccuracies that are adversely affecting my credit standing. 

The late payments in question are associated with the following accounts : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 

XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX XXXX XXXX customer service representative XXXX 

XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. 

XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX customer service representative XXXX 

I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit history. I have thoroughly reviewed my financial records, and I am confident that these late payments are inaccurately reported. I kindly request that you investigate and correct these errors promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough and reasonable investigation into these disputed entries within the legally mandated XXXX period. Please remove or correct any inaccurate information on my credit report and provide me with written confirmation of the changes made. 

I have enclosed copies of relevant supporting documentation, including bank statements or payment records, to substantiate my claim. I trust that these documents will assist you in expediting the resolution process. 

Your prompt attention to this matter is greatly appreciated. I kindly request that you notify me in writing once the investigation is complete and the necessary corrections have been made to my credit report. 

If there are any additional steps or information required from my end, please do not hesitate to contact me. Thank you for your prompt assistance in resolving this matter.
Consumer complaint received 2023-11-21
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. (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.

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 2024-01-05
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. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-22
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. (TX)

15USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish an account WITHOUT MY WRITTEN CONSENT. This erroneous reporting has hindered my ability to support myself. I ask that you use precedent cases Under code listed above.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (OK)

I applied for VA home loan and a Citi bank credit card liability showed up that I owe {$350.00}. I called Citi spoke with multiple people, last operator ID # XXXX at Citi stated since 2020 Citi is not collecting and paying the money won't make the liability fall off. The operator hung up on me and stated statue of limitations would not allow my {$200.00} security deposit to be returned to me or deducted from the total balance. So I can't remove from my credit report according to Citi!
Consumer complaint received 2023-11-21
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: Bread Financial Holdings, Inc. (CO)

I checked my credit report in the morning of the XXXX and noticed that a hard inquiry was added under the name Comenity Capital/Seph. I called them inquiring about the charge along with the reporting credit bureau. Comenity said they had no record of me and that there was no further information that they could provide to me. I have never inquired with Comenity, let alone attempted to open an account with them. This is either them improperly using my information to open lines of credit, or an individual with little information about me applying for a credit card under my name with little to no verification.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc. (TX)

on XX/XX/XXXX someone opened a account with XXXX XXXX in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XX/XX/XXXX someone opened a account with Money lion in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XX/XX/XXXX someone opened a account with XXXX XXXX XXXX  " car loan '' in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XX/XX/XXXX someone opened a account with XXXX  ( XXXX ) Car loan in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XXXX XXXX XXXX someone opened a account with XXXX XXXX XXXX XXXX Car loan in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on date im not sure of the date someone opened a account with XXXX ( credit card ) in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not.
Consumer complaint received 2023-11-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (PA)

During Covid I as like many could not make my car payment, I always talked to Santanders, they deferred my payments and put they to the back of my loan. In XXXX XXXXA drunk driver totaled my car. my gap insurance said had i made these payments .there would be no need for them to cover my car because my insurance company paid Santanders XXXX on XX/XX/XXXX XXXX let the balance of XXXX .But this balance is due to Covid. They said I have to pay that .my Car is totaled .I should not have to pay them this, because 1. My car is totaled,2. because it was Covid a national pandemic. Had that never happed. I would be getting money back. Please help me
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OR)

I applied for the SAVE repayment plan with my loan servicer Nelnet over two months ago. My application is still pending and my balance continues to grow due to interest. The benefit of the SAVE plan is to prevent interest to continue ballooning as long as you make minimum payments, but while the application is still pending, the interest continues to grow.
Consumer complaint received 2023-11-21
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. (FL)

I have already disputed these items with the bureaus, but they didn't delete or validate them. 
Please remove these accounts from my credit files. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2023-11-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XX/XX/2022 I was scammed out of {$150.00}. The representative that I spoke to had confirmed that it was fraud, but then said they could not recover the {$150.00} b/c the scammer had closed down the account. The scammer was paid {$150.00} through XXXX, but no item was ever sent and this was all perpetrated through XXXX and captial one, via XXXX. I have previously submitted a complaint, but the company then responded that there was no fraud- which was in dispute with what they had verified with me previously. 

The fact that I reported this fraud within XXXX hours and the company is unable to rectify this is unacceptable.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-02-11
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. (FL)

I have disputed two accounts that I will list below with experian and they have failed to provide proof that these companies are accurate reporting ... the companies one sold its rights not to the debt they claim I owe but the company that owned them and the new company for XXXX XXXX is a company called XXXX, XXXX told me that XXXX XXXX was the previous owner of the account and they do not have any information on that account reported so please dispute with any reporting agencies that has this information .... so that the reason for this because Ive not gotten anywhere ... 

The second account is XXXX this company has been a joke with communication sending me statements every time I asked to prove I owe the debt, clearly they have no proof, because I never opened a account with them, they said the account was opened on the internet clearly fraudulently. The account must be removed the information that XXXX sends me is not valid so no way the credit bureau experian should have been accepting this information as proof, as per FCRA and FDCPA, nothing about the information is accurate or complete, experian position is that they are not the ones that placed the adverse information the furnisher did, however even so you are required per FCRA to make sure all information given is not 92 % accurate but 100 %, in this case the information is 0 % accurate ... 

Please delete following accounts : XXXX XXXX : {$580.00} opened online no signed agreement XXXX XXXX  : {$0.00} charged off furnisher cant verify the account and its not mines I need it removed ... 

XXXX : {$490.00} well this account they sent notice to experian to delete the account I have also submitted the paperwork, I need it gone no procrastination, I should not have to wait for information that does not belong on my file to be removed its causing me pain in my financial and personal life ...
Consumer complaint received 2023-11-21
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-21
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. (FL)

In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code & 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 912 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have been having a whole lot of trouble communicating with the credit bureaus. I have no idea why. 

If I call, I get put on hold for what seems like forever- with the worst hold music, to boot. I think that they put terrible hold music on in hopes that people will simply hang up. If anyone ever answers, it's always a foreigner with a thick accent that is difficult to understand. I threw my voice out and injured my throat yelling last night on the phone with a XXXX rep after she told me twice that I was being rude or mean to her when I literally was not. My spouse as my witness.
Consumer complaint received 2024-10-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

On Thu, XX/XX/XXXX, at XXXX, I received an email from Hyundai Motor Finance that stated, " Weve received your request to end your recurring payment schedule on your Hyundai Motor Finance account ending in : XXXX Your confirmation number is : XXXX. 

If you wish to once again sign up for recurring payments, you may do so anytime at https : //www.HMFUSA.com/ For questions about your account, please visit XXXX XXXX XXXX or call our Customer Care Team at ( XXXX XXXX XXXX XXXX 

Thank you for being a valued customer. We appreciate your business. 

Hyundai Motor Finance '' I had not cancelled the auto pay and was wondering why/how this had happened. When I tried to go to the website to see what had happened. The website stated I can longer use the website and that I must call the customer support. Upon calling the representative I was informed that the loan had been charged off because it was XXXX  days overdue since XX/XX/XXXX. When I challenge that the account wasn't overdue or even ever late they put me on hold and I ended up being disconnected. Upon multiple call backs I finally got through to someone who stated that even though I had not missed a payment the account was charged off in XX/XX/year> because the account was charged off and that there was nothing I could do even though I made the XXXX, XXXX, XXXX and XXXX payment and they would no longer except any payments. This is a violation of our signed agreement and because of this charge off on my Credit report my score has gone from XXXX to XXXX.
Consumer complaint received 2023-11-21
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. (IL)

In accordance with the Fair Credit Reporting Act these accounts below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
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. (TN)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

I applied for an American Express account and right after I hit the submit button American Express responded DENIED in 2 seconds. I couldnt believe I got a denial in 2 seconds so I called and within minutes I got an email that said DUMMY CODE and a message that said denied for returned payment. I knew that to be a blatant lie that American Express made up so I asked the operator to research and the operator said NO you DONT have a returned Payment. The operator called the credit department to inform them that there is NO returned Payment and that department said ok resubmit application.FAKE DUMMY CODE was applied again and returned payment was used as grounds for denial Again. If there is no return payment in 30 days like the DUMMY CODE says then Im being denied for another reason and thats most likely Race. American Express didnt run my credit as they would others. American Express did not change the denial excuse even after the customer service rep XXXX said I had no returns payments. If there is not a verifiable denial reason then it has to be systematic racism that is customary within the American Express institution. I have a American Express card for my son and the credit limit has been XXXX over 18 years. Now if that isnt blatant systemic racism then I dont know what is at this point. Stop the fabricated denial excuses. Fair trade practices is all I ask. Litigation seems to be warranted as this point because XXXX not the only one American Express is fabricating denials against.