davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 in 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 XXXX XXXX XXXXXXXX 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 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX XXXX XXXX XXXX Not Mine XXXX XXXX Not Mine XXXXXXXX XXXX XXXXXXXX XXXX XXXX Not Mine XXXX XXXX XXXXXXXX Not Mine XXXX XXXX XXXX Never late on this account XXXX XXXX  XXXX XXXX Late
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On or around XX/XX/2022, consumer ( applicant ) acted in good faith and completed a credit application for an accepted credit card via CAPITAL ONE. Capital One ran my credit card and obtained a consumer report from. Based on information found in my consumer report, CAPITAL ONE denied my credit application. Based on the Equal Credit Opportunity Act, an applicant shall not be discriminated against because the applicant in good faith exercised any right.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC (NJ)

I was unfortunately severely injured by no-fault of my own in a XXXX by XXXX XXXX auto accident. I requested financial hardship assistance with REVI CARD Issued by XXXX XXXX on multiple occasions by XXXX mail in letters. I never received any correspondence or assistance. This clearly credit discrimination to which i intend to file full legal action if the bank does not recall the Charge Off of this account and settle the account in full for less than {$170.00}. This represents the balance minus all late fees and interest as well program fees since I also requested the account to be closed at my request in XX/XX/2024. Bank and creditor must correct all false credit reporting immediately, removing the charge off and account closed by consumer in XX/XX/2024. XXXX has been paid in full.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (NY)

I applied for a loan because of credit card debt through credit karma because i saw that i was pre approved for the loan with XXXX. I was denied a loan by XXXX  even when told by credit karma that i was prequalified. XXXX referred me to a another company called XXXX XXXX XXXX, by this time i just recieved a negative on my account. XXXX XXXX offered to fight and remove negative so that i can get approved for a loan. They charged me XXXX a month to remove 1 negative. Now this actually hurt me financially because instead of paying XXXX a month towards the loan that could have taken care of my debts, i am stuck with late fees with my credit card company. Now i am in need of even a bigger loan to compenate for the times i wasnt able to pay my credit card. If they had given me the loan my debts would have been paid off and there would be late fees. I felt cheated and tricked into even more debt. I could have even paid the negative with the loan as well so there was no need to get denied a loan. I feel like credit karma shouldnt have told me to apply to XXXX  now i feel like im going im circles.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (CT)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

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 any purpose.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within XXXX  days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt XXXX. 
I never sat across a table from any of the alleged creditors and debt XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Kohls/Capital One Account:XXXX Violations of Privacy and Opt-Out Rights [ 15 U.S. Code 6802 ] : I am asserting that Kohls/Capital One failed to conspicuously disclose, in writing or electronically, the disclosure of nonpublic personal information to nonaffiliated third parties or credit reporting agencies. Furthermore, I was denied the due process and opportunity to opt out, a violation of Section 6802 of the U.S. Code. Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802. - Obligations with respect to the disclosures of personal information. 15 USC 6802b - Opt out. A financial Institution may not disclose non-public personal information to a non-affiliated 3rd party, unless Under this law, the consumer must get 3 disclosures before that information can be exchanged, and the consumer must agree to it. Breakdown the unless portion- Disclosure A - Such financial institutions clearly and conspicuously disclose it to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this data that such information may be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure B - The consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure C - The consumer is given an explanation of how the consumer can exercise that non-disclosure option of how the consumer can exercise that non-disclosure option. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Kohls/Capital One is reporting on XXXX and XXXX.
Consumer complaint received 2024-08-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

We have had a HELOC loan with XXXX for several years and never accessed or used any of it, keeping at a zero balance the entire time. On XX/XX/XXXX we requested a paid off letter for our title company because XXXX refused to provide it to the title agent. We are closing on XX/XX/XXXX. The chat agent assured wed have it in 3 business days. After the 3 days, no letter was received and we were told XXXX minutes by another agent on XX/XX/XXXX after a second request. Still nothing. After reaching out we were told that we had to send a written letter to request it and it would take at least ten day. Then a manager told us she could manually close the HELOC and once closed we could call back to get a closed letter. After engaging with them for over XXXX minutes we were told it would be sent right away. No letter and am another manager a few hours later and they said it was faxed hours before but we never received it. The second manager told us to go to a branch and we could get it because it was now on file, nope another lie. Instead of the closed letter the manager and bank requested the original signed documents, which do not help or closing and had my wife leave work early to sit in a branch with still no letter. XXXX and their incompetence has now hindered my ability to get the funds of XXXX from the sale of my home until I revive this letter from them. This is impacting my families ability to pay needed bills.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2022-09-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Possible Financial Inc (TX)

This account was shown to be opened on XXXX XXXX I was being helped by a customer rep by the name of XXXX which I was told once we verify your police report We will be contacting you in 2-3 business days which was 2 weeks ago I keep emailing and not even a response Im showing a debt of XXXX Im unaware of this account This is not a account I opened and I been trying to get it handled but no one will help me at this company at all You cant even call to get anyone
Consumer complaint received 2022-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NJ)

Due to President Biden 's recent announcement of XXXX loan forgiveness, and the pause in payments due to to XXXX, I was requesting a refund with EdFinancial services. On XX/XX/XXXX, I requested a refund of payments made during the COVID relief period, and was advised that a refund was submitted though they couldn't email me confirmation of this. 

It has been about 2 weeks and my account hasn't been updated to reflect my loans being reinstated, while also not informing me about the refund. EdFinancial is quoting me 150 days to receive the refund, whereas they make almost no mention as to when the account would reflect the loans being reinstated. Other loan service providers such as XXXX, XXXX, XXXX XXXX, are quoting 6-8 weeks to receive the refund and their accounts are being reflecting with the update within days of the request being submitted. 

I would like my account to reflect the loans being reinstated, while also having a better timeline on when the refund would process to my bank account. If it's 150 days, why can't my account atleast be updated to reflect the loans? The application for forgiveness is open in XXXX and I can't file said application due to there being no update on my account. Transparency needs to be met from EdFinancial.
Consumer complaint received 2024-09-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NV)

NAME ON LEASE : XXXX XXXX XXXX ACCOUNT NO. : XXXX VEHICLE : XXXX Hyundai XXXX XXXX XXXX XXXX XXXX : XXXX CAR PAYOFF WAS DONE PER BELOW : Dear XXXX XXXX XXXX XXXX Pursuant to your request, we are pleased to provide you with the following quote of the amount necessary to exercise the purchase option under the terms of your lease agreement : Unpaid Lease Payments due through : XX/XX/XXXX Unpaid Late Fees : {$0.00} Other Amounts Due : {$0.00} Adjusted Unpaid Lease Balance : {$21000.00} Sales Tax : {$1900.00} Less : Security Deposit {$0.00} Total Purchase Price : {$22000.00} HYUNDAI WAS ADVISED MONTHS IN ADVANCE I HAD A NEW ADDRESS IN NEVADA AND I PERFORMED THIS ONLINE WITH HYUNDAI MORE THAN ONCE PRIOR TO MY SENDING HYUNDAI THE FULL {$22000.00} SHOWN ABOVE BUYING THE CAR OFF THE LEASE END OPTION. 

HYUNDAI AS YOU CAN SEE ABOVE CHARGED ME THE LEASE END SALES TAX IN THE AMOUNT OF {$1900.00}. HYUNDAI OWES EITHER CALIFORNIA OR NEVADA THIS SALES TAX AMOUNT, HYUNDAI HAS ACCORDING TO CALIFORNIA NEVER PAID THEM THIS {$1900.00} SALES TAX THAT I PAID HYUNDAI.

HYUNDAI SAYS THEY SENT THE TITLE TO XXXX XXXX OF MINE THAT WAS AN OLD ADDRESS DESPITE MY HAVING ONLINE CHANGED MY ADDRESS TO NEVADA, XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX XXXX XXXX NEVADA XXXX XXXX 

I HAVE REGISTERED THE CAR IN NEVADA AND IT HAS GOOD LICENSE TAGS BUT NEVADA WILL NOT ISSUE ME A TITLE AS IT SHOWS CALIFORNIA HAS NOT BEEN PAID OFF BY HYUNDAI FOR THE SALES TAX. 

I HIRED AN OUTSIDE XXXX AGENCY IN XXXX XXXX, ASAP SERVICES, WHO HAS ATTEMPTED TO GET CALIFORNIA TO ISSUE ME A RPLEACMENT TITLE SO I CAN GET A NEVADA TITLE BUT XXXX XXXX DEMANDS THE SALES TAX HYUNDAI HAS FIALED TO PAY THEM.

IN CONCLUSION, HYUNDAI, ONCE AGAIN, HAS FAILED TO DELIVER TITLE TO A FULLY PAID LEASE WIT HLEASE END BUYOUT AS HYUNDAI WILL ADMIT. I HAVE SPOKEN WITH HYUNDAI OVER AND OVER BUT ALL THEY CAN SEND ME IS A BILL OF SALE WHICH DOES NOT GET ME A TITLE. HYUNDAI SENT THE TITLE TO AN OLD ADDRESS, AS THEY CLAIM, AND IT WAS NEVER FORWARDED AND THE CALIFORNIA LANDLORD HAS NEVER SEEN THIS ALLEGED DELIVERY TITLE.

HYUNDAI IS FULLY PAID AND I AM WITHOUT A TITLE STILL.
Consumer complaint received 2022-09-12
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Transunion and I have been turned down for a credit due to mis-reporting information. I have complete knowledge of the Fair Credit Reporting Act and understand that Transunion has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The other credit reporting agencies found inaccuracies with information listed and updated without incident. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I did not initiate these inquiries section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please kindly check the FTC REPORT I ATTACHED
Consumer complaint received 2024-08-26
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. (AZ)

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.