davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
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: HYUNDAI CAPITAL AMERICA (SC)

On XX/XX/XXXX I changed my lease by trading in my XXXX XXXX XXXXXXXX for a XXXX XXXX XXXX with the pull forward option Kia was offering. The sales rep stated that in order to take advantage of this deal I had to make 4 payments on the XXXX lease and I would qualify for NO down or deposit on the new XXXX lease. I made sure to make the 4 payments required as I only needed 8 payments to finish my XXXX lease contract. Which then the sale rep stated that they would take care of the last 4 payments. At this moment XXXX XXXX has yet to make the last 4 payments that was agreed upon when turning in the XXXX Kia lease and leasing a new Kia with them. As a result of their false promise I find myself being affected as well as my credit has taken a plunge due to their lack of professionalism and not following through with what was agreed. To include I am being charged {$260.00} disposition fee when I faithfully stayed with XXXX and leased my new XXXX XXXX the same day as I returned the XXXX. 

Attached you will find the paper work from XXXX XXXX when my tag was transferred from the XXXX to the XXXXXXXX XXXX. I request the {$400.00} disposition fee to me removed being that I stayed with Kia. I request the XXXX to be removed I did in fact return the car the same day and terminated my lease under the push forward program. 

In the attached paper you will see email traffic from the dealership manager accepting fault additionally you will see email traffic with KIA Motors XXXX stating they can no fix the issue due to the dealer being sold to new management and not being able to verify the information. 

Ive attempted correcting this information through all avenues. I am not being heard and my evidence is not being viewed.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NV)

I made payment under contract terms and the terms of the contract have not been carried out by Chase Bank. Payment was sent via Postal Money Order via certified mail on XX/XX/2019 and was cashed by Chase Bank on XX/XX/2019. Credit reports do no reflect upon the agreed terms of the contract. I have a copy of the contract terms and proof of payment in regards to contract. All evidence can be provided upon request. Terms of contract are once payment was cashed by Chase, negative tradeline was to be removed within 30 days of acceptance of payment. ( not a duplicate issue, this is for another payment )
Consumer complaint received 2024-11-02
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. (NC)

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-10-10
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. (FL)

I have submitted disputes to Experian.com in regard to the XXXX XXXX XXXX accounts that are on my report and they have been unsuccessful in resolving these errors. They have failed to notate they have completed any of my previous disputed causing me to believe they never completed an investigation on my part. Furthermore, they are reporting false information for 10 months as the term. How did they validate this information is accurate? I wouldn't know because they fail to provide me this information. Finally, they are reporting a past due amount on a charged off account that was written off per my report. This is a violation under the FCRA as well. Included proof of information and disputes and they have failed to do their job. I have never received any of my results from my disputes and they are being negligent on resolving my concerns that are violations under the FCRA by law.
Consumer complaint received 2024-10-29
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. (PA)

This afternoon, I found incorrect accounts on my credit report, and Im at a loss as to why theyre there. I check my report often, but this time, these discrepancies just showed up out of nowhere. I refreshed my browser, hoping it was an error, but the accounts didnt disappear. Because of this issue, Im urgently asking for a detailed review of my documents so I can finally have peace of mind.
Consumer complaint received 2023-09-06
Product: Credit 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: Atlanticus Services Corporation (MO)

The company continued to charge the statement balance. They were small transactions throughout the billing cycle. However, they charged me the remaining statement balance as a full payment. Example, I may have only of used {$50.00} in credit for the month of XXXX but they charged me XXXX dollars which would be my statement balance, and included it into my balance, ( see attached documents ). They continue to do this month after month even after I called and explained that this was an incorrect and unfair business practices.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX 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 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received notification that my credit score dropped 34 points and I did not do anything differently. The two open accounts I have are not late. My credit monitoring service says late payments. The only late payment was more than 6 months ago and at that time my score was lowered more than 50 points to prevent me from refinancing my home. Transunion is the principal offender, siding with big corporations and not advocating for consumers. Additionally Transunion refused to removed a XXXX unwarranted collection account from 2011. I am sure if I was born on the other side of the tracks I would not constantly be fighting these hurdles.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have incorrect accounts showing on my credit report for all 3 credit bureaus and I have individually disputed online and in physical letters to all 3 multiple times asking for them to verify proof of the various debts and they have not ever sent me back any verification. I have requested multiple times based on the laws and each time they just say its accurate with no proof given to me and leave the accounts on. I should not have these accounts still listed on my credit reports.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXX/XX/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 2019-09-02
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-09-06
Product: Credit reporting 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: Experian Information Solutions Inc. (PA)

I have had on-line access to my Experian credit report and the ability to freeze my credit report for the past 10 years. Experian revised their on-line access system and I was unable to access my account in XX/XX/2023. 

I was able to reset my password on-line in XX/XX/2023 and access the on-line service. However, I was unable to utilize ANY functions within the system. I am specifically unable to freeze or unfreeze my account. All actions resulted in an error page instructing me to call Experian for assistance. 

The Experian phone number provides access to a phone tree. There is no option to speak with a human being to resolve access problems. The phone tree offers 2 recorded messages to gain access to the new system : 1 ) Utilize the on-line website and 2 ) Submit a letter by US Mail with full information ( including pictures of drivers license, bank statements, etc. ) I then utilized option 2 and submitted a formal letter and all requested information to Experian in XX/XX/2023. Experian responded with a written letter within 30 days indicating that my account had been " reset '' and that I would be able to access the system. 

I attempted to access the system and encountered the same problem. I can not freeze or unfreeze my credit report. 

I would like Experian to provide me access to their on-line system to access my credit report AND freeze and unfreeze my credit report. I am currently stuck in an endless loop of submitting letters by mail without resolution. 

I have attached pictures of Experian 's system that indicate, step-by-step, the continued error that I am receiving.
Consumer complaint received 2019-08-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

When the calls started I was at work I would answer and let them know that I could not speak with then right now I was at work if they could reach me at a later time to discuss the matter at hand. They were very rude and demanding that I speak with them now would not take not right now for an answer ... being that I was at work I would have to hang up they wld call back repeatedly by they I mean ( IQ Data ) the calls were more than 2x a day  even after I had already spoke with them once that day they would call back with in minutes talking about how this would go into legal action if not handled right then and there. Again I was at work but that was no exception to them. I'm not sure if this will help but I'll be filing a formal complaint with the states attorney about this company
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-10-29
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. (NV)

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, XXXX XXXX
Consumer complaint received 2019-08-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Credit Management received our change of address over 60 days ago. Still continuously calls prior XXXX and more than 3x daily. I have communicated with them on lengthy phone calls the financial situation ; however, the calls still continue outside of regulations.
Consumer complaint received 2024-11-02
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. (NC)

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the accounts that are appearing on my credit report. First off the name of the credit is completely different from the same account that was appearing on XXXX. Furthermore the account was showing a past due amount which I had stated in my previous dispute was not a 100 percent accurate which it must be per the FCRA since the account was closed the past due amount must state {$0.00} or the account must be removed. Following the date closed was in accurate, it was appearing the account was opened however the status of date closed was completely different. They refuse to remove the accounts due to their negligence on correcting their mistakes. I had another account which shows a different name on other bureaus again causing me to believe it was in accurate. Monthly payment was again showing and the date closed was inaccurate. Furthermore the second account XXXX did not state anywhere that the account was EVEN DISPUTED. They completely disregarded the fact that I disputed the account and did not acknowledge their mistakes. I have done my research and I am able to confirm my report must be 100 percent accurate and if their are violations on my report that I am able to confirm the account must be removed. They are negligent and I am demanding the removal of the two accounts on my report showing XXXX XXXX.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

a former bank teller with an unusual first name I hate to write for a reason robbed me of about $ 6000 years ago then quit. 
it was another bank teller who told me something about the suspect or wouldn ; t have known because I only checked my safe deposit box once in a while. 
I stupidly withdrew {$5000.00} in {$100.00} dollar bills at Capital One years ago as one crooked bank teller with an unusual first name saw all the many hundred dollar bills and saw me take the bank elevator to the safe deposit floor and connected the dots. 
a locksmith told me all the crooked teller did was remove my key I always left in the keyhole to enter 1 of 3 small rooms to examine my safe deposit box and created a wax impression of my key in seconds. 
of course I can't prove this but wanted the senior bank VP Mr XXXX to question the suspect who called the bank at XXXX & XXXX XXXX in XXXX XXXX and someone tells the senior bank VP he doesn ; t know the suspect which is nonsense as I called the FORMER BANK MGR XXXX XXXX who told me HE ONLY KNEW THE FIRST NAME OF THE SUSPECT WHICH TRAPS Capital One in a serious cover up for years, I asked Capital One for a copy of a letter the senior VP sent me who admitted years gao he could be wrong and can't find a copy in my room. 
Capital One hdqtrs in VA REFUSES to send me a copy of that letter by the senior VP I demand the cfpb investigate for a serious cover up, a bank your CFPB hit twice for screwing many bank customers years ago and hit with heavy fines it paid and admitted nothing Sincerely XXXX XXXX
Consumer complaint received 2019-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CT)

I was served Execution for Ejectment papers on about XX/XX/XXXX, the papers stated that the authorities would be at my house to move my belongings out on XX/XX/XXXX. I went to the Courthouse and filed for a motion to stay. At that time, the judge granted me the stay, after I explained I had applied for a mortgage modification. The judge then asked the attorney representing PHH Mortgage Services, roughly how long does it take to get a decision on the modification, the attorney said 15 to 45 days. It was at that point she granted my stay until XX/XX/XXXX. Since that time I have been going back and fourth between the attorney and the mortgage company trying to get a rescission on the completed foreclosure. PHH wont review the modification application, because it states that the foreclosure is completed.

When I ask PHH to consider doing a rescission, I was told that I would have to contact the attorney for that to be considered. When I finally got in touch with attorney asked them to consider doing it, they said they would have to get those instructions from PHH.
Consumer complaint received 2019-09-04
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. (FL)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (UT)

I am requesting to dispute the following unauthorized credit inquiries on my Equifax credit report. These were done without my permission. 

XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX   XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX I am also requesting the following addresses be removed as they are not associated with me. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2023-09-06
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.