davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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. (NY)

I am filing a formal complaint against the three major credit reporting agenciesExperian, TransUnion, and XXXX failing to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) in addressing and resolving disputes I submitted regarding inaccurate information on my credit report. Their failure to investigate and verify the disputed information within the legally mandated timeframe has severely impacted my creditworthiness and financial well-being. 

Disputed Accounts : XXXX XXXXXXXX Account ( Account Number Ending XXXX XXXX : Reported with a balance of {$630.00} on a credit limit of {$300.00}, and classified as a charge-off. 
XXXX XXXX Account ( Account Number Ending XXXX  ) : Reported with a balance of {$54.00} on a credit limit of {$300.00}, and classified as a charge-off. 
XXXX XXXX XXXX Account ( Account Number Ending XXXX XXXX : Reported with a balance of {$890.00} on a credit limit of {$500.00}, and classified as a closed account. 
Dispute Process : On XX/XX/year>, I formally disputed the accuracy of the above accounts with XXXX, TransUnion, and XXXX, citing discrepancies in the reported balances, payment histories, and statuses across the three bureaus. My disputes were sent via certified mail, and I provided all necessary supporting documentation. 
Non-Compliance with FCRA : The FCRA, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), requires that credit reporting agencies investigate consumer disputes and provide the results of the investigation within 30 days of receiving the dispute. 
As of today 's date, more than 30 days have passed, and I have not received any response or verification from XXXX, TransUnion, or XXXX regarding the disputed accounts. This lack of response violates my rights under the FCRA. 
Impact on Creditworthiness : The failure of the credit bureaus to address these inaccuracies has directly harmed my credit score, limiting my ability to obtain credit, loans, or favorable interest rates. The inaccurate and unverifiable information remains on my credit report, further damaging my financial standing.
Consumer complaint received 2024-09-20
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: Experian Information Solutions Inc. (FL)

VALIDATION AND CEASE AND DESIST Collection agency name XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ( XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor.

to the secure trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors
Consumer complaint received 2024-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (OH)

I am writing to formally lodge a complaint against Hyundai Motors in XXXXXXXX Ohio, regarding the leasing of a vehicle to XXXX XXXX, for which I, XXXX XXXX, acted as a cosigner. Unfortunately, we have encountered several significant issues which have created difficulties for me ( XXXX XXXX and XXXX XXXX. 

We were initially provided with temporary car registration by Hyundai motors, and while Hyundai verified XXXX 's car insurance, they did not request my insurance details, or direct information, per information they relayed as I am merely the cosigner and not the primary driver or driver on vehicle in general When we attempted to register the vehicle, I discovered I ( XXXX ) was suspended from registering any vehicle, which I was unaware of until XXXX XXXX visited the Ohio BMV in person to register the car. Because of this XXXX was told she could not register her car unless my name ( XXXX ) was removed off the title. 
They advised us to contact Hyundai to remove my name from the title so that XXXX could register the car while I sorted out the issues with my license. Following the instructions provided by the BMV, we reached out to Hyundai Motor, to see what other options we had to get the car registered or the process to take to have my name ( XXXX ) off the title. 

Unfortunately, Hyundai has been uncooperative and has not provided reliable assistance or information regarding this matter or even assistance in the name removal off title process. They indirectly indicated that there was nothing they could do to help us. As a result, the vehicle remains parked in our garage for over 3 months, causing significant inconvenience and financial strain since we are responsible for monthly payments without the ability to use the car. 
This situation has left us without transportation, affecting our daily lives and activities. I urge your office to intervene and help resolve this matter with Hyundai Motors so that we can access our vehicle and alleviate the financial burden we are currently facing. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-09-20
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. (IL)

I need your support with the incorrect account appearing on my credit report. This matter has harmed my reputation, and I am requesting your help to fix it. The mismanagement of my credit report has put me in a tough spot, and my reputation has suffered. You are required to eliminate the incorrect details from my credit report.
Consumer complaint received 2024-10-26
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: General Motors Financial Company, Inc. (CA)

I leased XXXX XXXX on XX/XX/XXXX for 3 years and turned it in on XX/XX/XXXX. Before I turned it in, they inspected the vehicle which happened when I was not at home. They did not find the user manual and the car charger which was actually in the car itself. The guy put that on the report and said if we turn in the charger and the manual when returning the car it will be fine, they will remove the note on missing parts and we dont have to pay anything. And, we returned everything with the car and the dealership where we returned even have a letter saying that they received it. However, the GM financial company keeps sending me invoice for {$1100.00} and even after multiple phone calls they are not resolving it. Now my credit is affected because of this. Please see the letter from the dealer attached that shows we returned the charger and manual.
Consumer complaint received 2024-09-20
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)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have attempted to access my transunion credit report through the https : //annualcreditreport.transunion.com site for 2 years now and it has failed to load each time I attempt to access my information. This is unacceptable. I have not been provided with any other way to access the credit report. This company is fraudulently reporting I can access the information online.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NC)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) XXXX ( f ) ( i )., for unlawfully obtaining my XXXX XXXX and XXXX XXXX report on XX/XX/XXXX, XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Yours Sincerely XXXX XXXX
Consumer complaint received 2024-09-20
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: Experian Information Solutions Inc. (FL)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX VA XXXX XXXX Account number XXXX XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX, XXXX, FL XXXX Dear ( XXXX XXXX XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor.

to the secure trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors
Consumer complaint received 2024-09-20
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. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TX)

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC (FL)

I rented a car on XXXX. I paid for the entire I found out within two hours that the car 's AC was not functional so I informed the owner of the car within 2 hours of having taken the car and realizing the AC was not working, he apologized and offered to replace it with a car with a working AC. I went back returned the car and picked up the other car ( which had AC working but had its own issues such as no central locking, car tired had really low tread on them etc. ). I had rented the car for my vacation and moved forward with it ( WITH NO CHANGE TO THE ORIGINAL DATE S TRIP LENGTH OR ANYTHING ELSE ). Upon my return the car has a flat and was towed back to the owner. It was returned 11 hours ahead of the scheduled return time so my trop is actually cut short because of the flat. Either ways, XXXX and owner confirm condition at the time of checking it back in and is same as it was checked out. And a month into it XXXX comes back and bills me an additional {$150.00}. They say they need to charge me one day use of the first car and then then full trip length for the second car. That's what the {$150.00} is for. This is unreasonable. I faced the inconvinience of first the AC not working, then the care going flat ( because of the low tread on the tires I claim ) and I provided them the explanation back. They have since sent the item over to collections - a company called FCR Services. I have again explained to FCR services now three times that they MUST stop bothering me for this charge as it is an illegitimate charge on part of XXXX but they keep calling me and are now threatening that they will send to to the credit bureaus which will impact my credit report. I am attaching all my email communication with FCR services in the attachment. Besides the email I have also provided them the same clarification on voice and yet they are relentless. 

I need action taken against not just XXXX services but XXXX as well by the CFPB to help with this. A search on the internet will reveal I am not alone. There are many many XXXX customers who have been charged by XXXX and pursued relentlessly while XXXX takes no action against their hosts even for their valid fault since if the hosts withdraw from XXXX, XXXX XXXX business will be impacted. Its a game of numbers.. There are more people looking to rent. a car than willing to rent out there's and this works to the disadvantage of the consumers who want to rent a car. PLEASE TAKE ACTION!