davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA (PA)

In XXXX of XXXX I purchased a car from Hyunadi Capital America for  the amount of {$23000.00}. I made payments of {$430.00} every month for four years. Sometimes I was late or didn't give the full amount but I always got caught up. Sometimes I gave them the payment early or an extra payment. 

In XXXX of XXXX my car payment money was taken out of my account by a family member who had my pin number. So when Hyuandi went to take it out it was rejected for non payment. I got some of the money back and gave them what I had. I made arrangements to make more payments to get caught up, like I have done in the past. The young lady said she couldn't promise anything. The next day at XXXX in the morning they came to take my car. I cried for days, I never ever had a car repossessed. I paid off many new car loans and I had every intention of paying this off. I had one year to go and it would have been paid off. ONE YEAR!! 

I didn't have the money to get it from them in the two weeks they said, so I had to let it go. The next few days I was watching TV and there were ads for a Hyuandi Program selling used cars that were under 50,000 miles in great condition. I realized this is why they were so eager to take my car as it had only XXXX miles on it and it was like brand new. I was in the middle of getting the brakes done and detailed. They just took my car because they wanted it for their program. They didn't care about what they did to me, so why should I care about the bogus amount they want from me. They took my car and lied to me. 

Then I got the paper work from Hyuandi explaining that they sold my car for only {$5000.00} dollars and that I owed them {$4100.00}. The remainder of the loan was {$9000.00} and some dollars. I asked for a bill of sale to prove to me that is how much they got for my car that was like brand new and had under 45,000 miles on it. They sent me this bill with all these fees attached, I know that they got more than {$5000.00} for my car, it was like brand new. 

I am disputing this on my credit report because it says it is closed. I refuse to pay {$4100.00} on a car that they sold and got way more for it than they told me, they had to. Why would Hyuandi tell me exactly what they got, all these corporations want to do is rob the little people like me. I had one year to go, I paid on it monthly all the time, but sometimes it was difficult. I am asking Experian to take it off my credit report. I can not give them this reason on their website so I thought maybe you can help me get it off my credit report. 

I will try to get up enough nerve to call Hyuandi and tell them to remove it. But I fear that they will just lie to me again and tell me I need to pay this. They repossessed my car because of the program they were having, USED CARS UNDER 50,000 MILES!!!
Consumer complaint received 2024-10-11
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: AMERICAN EXPRESS COMPANY (MT)

On XX/XX/2023 American Express did a credit check for a credit card application. I saw this on my report and immediately called. I did not request this card. They immediately closed it and said they would remove the credit check inquiry from my report. Over the past year I have called five times asking to have this removed. I always get the run around to different departments, I did keep calling back one of the departments and they escalated this twice with no results.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are three public records that appear on my TransUnion credit report. 

One for {$15000.00} for XXXX County Superior Court, which is reporting a balance. This was also remedied under a IRS program. The amount has been satisfied and should not appear on my credit. 

The two items listed under XXXX Magistrate for {$4200.00} and {$5300.00} DO NOT BELONG to me, and should be removed from my profile.
Consumer complaint received 2024-10-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC (IL)

I called in to inquire about my monthly escrow amount increasing when my loan servicer changed from XXXX XXXX XXXX Selene Finance in the month of XXXX. The first time we received any written information about the service change was XXXX XXXX 16 days after the first payment was past due. We are being charged fees, and the escrow amount has been changed without written notification. I called in to get more information about the escrow change, however, XXXX was not able to provide any information and informed me they only accept escrow requests in writing. I asked to be pointed to the company policy stating they only service escrow questions in writing ; however, they stated no such written policy exists and they were unable to provide the information. I requested to speak to a supervisor about obtaining the company policy, but, XXXX refused to transfer my call to one and claimed a person named " XXXX '' was also unable to locate any policy in writing about the escrow process. XXXX stated that they are not allowed to provide their representative ID number per company policy. I was provided with a call reference number XXXX.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-04-16
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. (IL)

Equifax and XXXX are reporting incorrectly that I am 90 plus days past due on XXXX XXXX XXXX Accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 and 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX XXXX keeps incorrectly showing my account as being late. They recently transferred my account to XXXX, in the process of switching account they reported that I was late in XX/XX/XXXX. This is incorrect as I have paid my mortgage payment on XX/XX/XXXX for the XXXX payment. I tried to dispute this with Transunion, but their website is not allowing me to start a new dispute.I am not 30 days late and did in fact pay my XX/XX/XXXX payment, and my XXXX and XX/XX/XXXX payments.
Consumer complaint received 2019-04-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Submitted a dispute for an ongoing issue with XXXX XXXX XXXX XXXX, who is incorrectly reporting, and requested to have it looked into. I contacted Equifax and XXXX, using their online dispute systems. Equifax said my results were ready, and gave me a link to their website to check the status. I have gone back periodically for the last 2 weeks and the system has been down. I spoke with Equifax technical support and they knew of the issue and would not tell me when to check it. I called Equifax 's customer service and they asked me to verify my identity with information I could not have ( My major credit cards and their monthly payments ) and would not help me until I verified this information. I asked for the dispute information to be mailed, but they insisted it had to be in writing. I believe Equifax is making it so difficult to get or view your dispute and credit information that it is a violation of the FCRA.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I recently reviewed my XXXX, XXXX XXXX, AND EQUIFAX consumer report and see there are unauthorized inquiries and accounts reporting that i did not initiate nor did i benefit from any of them. The accounts listed on XXXX XXXX, XXXX, AND EQUIFAX are fraudulent reporting from creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

This scam lasted for about XXXX months. I was looking to learn more about stocks and cryptocurrency when XXXX XXXX ads led me to a person with contact number of XXXX who intrduced himself as XXXX who is a receptionist in XXXX XXXX. Later they made me join a crypto whats app group called XXXX XXXX XXXX. Initially, I was inactive and didnt invest much. A few days later, I connected with a woman ( XXXX ) in the group who mentioned XXXX XXXX long history. Intrigued, I researched and found XXXX XXXX  website, where I saw that XXXX XXXX was the main financial representative. Finding his profile on the XXXX XXXX website and XXXX gave me more confidence, and I began investing more. Another group member, a seasoned trader named XXXX XXXX, claimed to know XXXX XXXX well. When I mentioned that I didnt have enough money to invest, XXXX sent me {$20000.00} on the trading platform ( which I later realized was part of the scam ). Unfortunately, that same day, everyone in the group suffered major trading losses, and I lost everything. Although I was devastated and ready to stop, both XXXX and XXXX encouraged me to recover my losses. Feeling pressured, especially since XXXX had given me {$20000.00}, I took out {$120000.00} loan and invested it as they suggested. They talked about a XXXX trading cycle. 

When the cycle ended, XXXX advised me to pay taxes to XXXX XXXX immediately, warning that delaying payment would result in a higher tax percentage on my tax return. I invested {$35000.00} out of the {$74000.00} I owed, and XXXX sent the rest to a crypto address provided by XXXX XXXX ( which was also part of the scam ). However, when I tried to withdraw my money, the app ( XXXX ) we were using denied my request, demanding my bank credentials, drivers license, passport, and other identity verification documents. I complied, but then they asked for XXXX XXXX of the amount I was trying to withdraw, which I couldnt afford. This raised my suspicions, and after some research, I realized the entire operation was a scam. The contact info for the XXXX XXXX app is XXXX which was provided to me by XXXX XXXX XXXX XXXX XXXX ). 
In hindsight, I believe the main reasons I was scammed were their use of a reputable company name like XXXX XXXX and the app they used, XXXX XXXX, which closely resembled the legitimate platform Coinbase. I even checked the XXXX XXXX XXXX ( XXXX ) registration and, seeing XXXX listed, felt more confident in the app.I have other related information and screenshots of the scammers profile and contact number but was unable to send it with this form.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

IAM XXXX XXXX XXXX DOB XX/XX/XXXX SS # XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX Todays date XX/XX/XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX XXXXXXXX ACCOUNT # : XXXX XXXX i ask for the companies involed to do a proper investigation and delete this fraud account please and thank you THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER IDENTIFIES AS IDENTITY THEFT MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have contacted Experian and XXXX via certified mail twice requesting for verification of accounts listed on my credit report within a 30 day time frame and both have failed to provide verification nor have investigated this matter to their fullest extent. 

I have enclosed a copy of my XXXX credit report and the most recent credit report from XXXX XXXX showing XXXX did their due diligence in requesting actual verification from these creditors.
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2019-05-29
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. (TX)

Wording on status is incorrect. On report states foreclosure started 2017. This foreclosure has been completed and updated on all other bureau s but Experian have done 3 disputes no results. XXXX XXXX  is lender and reported correctly
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jana Ferrell & Associates LLC (OK)

I offered for a pay to delete settlement, they claim I owe XXXX. I offered to give them {$200.00} and {$50.00} a week till paid in full, and all I ask is that the remove the debt and tradeline name from credit report, they refused the offer. XXXX is the first collector I taked to who state that the FCRA would not allow them to remove the account, but he would have me talk to his superviser XXXX, who tried stating that the contract with the credit agencies doesn't allow them to remove validated or accurate accounts, and the FCRA act doesn't let them either, So I called the FTC after I got off phone, the FTC told me that they are wrong there is no federal law that stopes account from being removed from credit reports even if they are Validated, The FCRA just state if you report to credit reports it must valid and accurate, I Then contacted XXXX, and XXXX and the stated they have no contract that restricts clients from removing accounts from credit reports, creditors can remove accounts or add accounts as the choice, even validated accounts, the only requirements is that they report so many accounts to use the system, that to keep the creditor from removing accounts in a contract would violate federal laws. and they don't use contracts, it a user agreement and XXXX sent me a copy for my review, so my offer still stands but I want it in writing from you that upon completion of paying you off you will delete you tradeline name, and I don't want XXXX or XXXX on this because they already started with lies, they said it was recorded so feel free to listen and send me a transcriped of the call, you can email me. thanks
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CO)

Discover allowed an identity thief to access my account for fraudulent charges during XX/XX/2016. The following transactions were never investigated, or credited back to my account even though I provided proof that they were not made by me. 


XXXX. Date Post Date Description Amount XX/XX/16 XX/XX/16 XXXX  XXXX 'S # XXXX XXXX XXXX CO {$2.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX CO {$3.00} XX/XX/16 XX/XX/16 XXXX  XXXX 'S # XXXX XXXX XXXX CO {$38.00} XX/XX/16 XX/XX/16 XXXX XXXX 'S # XXXX XXXX XXXX CO {$7.00} XX/XX/16 XX/XX/16 XXXX XXXX - XXXX XXXX CO {$28.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX CO {$14.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX  XXXX XXXX {$27.00}
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I had an account with Capital One who had outsourced the account to XXXX XXXX whom I settled the account with, XXXX XXXX has sent receipt stating that the account is paid and settled, however, Capital One is still showing that I owe a balance. After contacting Capital One and being told that the account is no longer with them again after multiple attempts to try and get this matter resolved the account is still not in good standing on my credit reports. Capital One has updated the settlement amount but is till reflecting a balance owed. 

I am in the process of purchasing a home and settling this account will help me to do so. However, the non cooperation of the company to update the information correctly is hindering my progress. I would like the account removed promptly from all three major credit bureaus for this continued oversight.
Consumer complaint received 2019-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: A.R.M. Solutions, Inc. (SC)

XXXX XXXX : A.R.M. Solutions, XXXX, CA, Phone XXXX I talked with Small Balance Department Manager, XXXX, ID # XXXX on XX/XX/2019 at around XXXX XXXX. ET. 
They sent a collection letter on XX/XX/2019 stating that I owe {$45.00} to XXXX XXXX ( newspaper ),. Subsequently the charge was canceled by the XXXX XXXX after my discussion with them. XXXX says my account is closed. I requested a letter verifying that the account is closed, but the manager said she can't send it. I need something in writing that this matter is closed, in case this issue shows up on my credit report. 
Please help how to get that the account is closed in written form.
Consumer complaint received 2019-04-14
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: Resurgent Capital Services L.P. (NY)

I am contacting you because XXXX is reporting things on my credit report that do not belong to me and I have already submitted a police report and added a fraud alert on my credit report my score dropped 45 points for an account that doesnt belong to me and that was fraudulently opened. I want this fraudulent account removed at once because it does not belong to me and I had no knowledge of it being opened and it is fraud and I want it removed from my credit report at once because its fraud and does not belong to me. This is the account I want removed it is fraud and does not belong to me. Resurgent Cap Srvcs Lp Opened XX/XX/2018 + {$390.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX Also I keep asking them to update balances on all my accounts which they refuse to do XXXX XXXX and XXXX are purposely reporting inaccurate balances on my accounts in order to keep dropping my score these three companies have been doing this to me for sometime I have contacted XXXX XXXX news and they are following my contact with you into this matter as I am XXXX XXXX and a single mother and its time these fraudulent companies be made to treat people fairly here is a list of all the account balances that need to be updated