davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (MA)

I am writing to file a formal complaint regarding Kia Finance America 's ( KFA ) failure to correct an inaccurate charge and its subsequent negative impact on my credit report. I lease a vehicle through Kia Finance America and am eligible for a military excise tax exemption in accordance with the Servicemembers Civil Relief Act, as confirmed by the City of XXXX XXXX XXXX XXXX. Despite this exemption and multiple attempts to inform KFA, I was charged excise taxes for XXXX and XXXX, which I paid under duress to prevent further damage to my credit score.

I have repeatedly communicated this exemption to Kia Finance America, provided supporting documentation, including an abatement certificate from the XXXXXXXX XXXX XXXX, and requested a refund for the excise tax payments. Kia Finance America has yet to refund the payments or correct the inaccurate information on my credit report, which has unjustly resulted in my account becoming delinquent.

This inaccuracy has significantly impacted my credit score and, as a result, delayed the pre-approval process for purchasing a home. After disputing this matter with the credit bureaus, I was further disappointed to learn that their " investigation '' only consisted of forwarding my dispute and supporting documentation to Kia Finance America. The credit bureaus then provided Kia 's response as the final " dispute results, '' after almost a month of anticipation, without any meaningful investigation or mediation. 

I am requesting the CFPBs assistance in resolving this matter and holding Kia Finance America accountable for refunding the excise tax payments and removing the incorrect negative information from my credit report. The inaction from both Kia Finance America and the credit bureaus has caused undue financial hardship, and I would appreciate the CFPBs prompt attention to this issue. 

Thank you for your assistance in addressing this matter.
Consumer complaint received 2017-07-12
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: EQUIFAX, INC. (OH)

1. On XX/XX/XXXX, I pulled my free annual credit report from EQUIFAX ( Confirmation # : XXXX ) and noticed a collections account for a debt I did not owe from XXXX ( XXXX XXXX XXXX XXXX XXXX ). 2. On XX/XX/XXXX, I sent a certified letter to the name and address listed on my Equifax credit report, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, OK XXXX, stating that I disputed this debt and that it was not owed by me. 3. On XX/XX/XXXX, this certified letter to XXXX XXXX XXXX XXXX XXXX was returned to me and marked " Return to Sender. Not Deliverable as Addressed. Unable to Forward. '' 4. On XX/XX/XXXX, I sent a certified letter to EQUIFAX INFORMATION SERVICES, LLC, XXXX XXXX XXXX, XXXX, GA XXXX, stating " This letter was returned to me by the post office stating it was not deliverable as addressed and no forwarding address was left. Thus, the address listed on my credit report for this creditor is not accurate. I am requesting you to immediately remove this account from my credit report for inaccurate reporting. '' 5. On XX/XX/XXXX, Equifax responded to my later stating " they have verified this item belongs to me. '' I 'm not sure how since the address is inaccurate, not deliverable and I have no recourse to contact this alleged account to dispute the inaccuracy of this information on my credit report. 6. Under the Fair Credit Reporting Act ( FRCA ), EQUIFAX has a duty under the law to remove negative information from my credit report if it is inaccurate. I have proven this account has reported an inaccurate contact address ( as my certified letter disputing the account was returned to me by the post office as not deliverable ). Therefore, under the law, it should be deleted from my credit report. 7. To date, this negative account with an inaccurate reported contact address information remains on my credit report when it should be deleted under the FCRA.
Consumer complaint received 2024-09-11
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. (TX)

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 2017-07-12
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. (VA)

Inquiries have been showing up on my credit file that I have not authorized. I have contacted every single company listed and not one has removed them from my credit reports. I have been a victim of identity theft and want them removed so I contacted the credit bureaus directly and they have yet to remove them. Please help me. My credit is ruined do to this and I am in need of help with this situation.
1.   XXXX   XXXX   XX/XX/XXXX  2.   XXXX   XXXX    XX/XX/XXXX  3.   XXXX   XXXX     XX/XX/XXXX 4.   XXXX   XXXX   XX/XX/XXXX 5.   XXXX   XXXX   XXXX    XX/XX/XXXX  6.   XXXX   XXXX   XXXX    XX/XX/XXXX  7.  XXXX   XX/XX/XXXX ,  XX/XX/XXXX  8.   XXXX   XXXX     XX/XX/XXXX ,  XX/XX/XXXX 9.   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX 10.   XXXX   XXXX    XX/XX/XXXX 11.  XXXX   XX/XX/XXXX  12.  XXXX   XX/XX/XXXX 13.   XXXX   XXXX   XX/XX/XXXX  14.   XXXX   XX/XX/XXXX  15.  XXXX   XX/XX/XXXX 16.  XXXX  XX/XX/XXXX ,  XX/XX/XXXX  17.   XXXX   XXXX   XX/XX/XXXX 18.   XXXX   XX/XX/XXXX 19.   XXXX     XXXX   XXXX     XX/XX/XXXX ,  XX/XX/XXXX  20.   XXXX   XXXX    XX/XX/XXXX  21.   XXXX   XXXX   XXXX     XX/XX/XXXX 22.   XXXX   XXXX    XX/XX/XXXX ,  XX/XX/XXXX 23.  XXXX  XX/XX/XXXX ,  XX/XX/XXXX  XX/XX/XXXX ,  XX/XX/XXXX   XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX .
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2017-07-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USA Service Finance LLC (KY)

In XXXX of 2017 I saw a late payment reported on my credit report. XXXX of 2017 I contacted the company to find out what it was. The representative explained to me that I failed to make the monthly payments. I explained to them that I was not notified of failure to pay the monthly payment. The representative said they called me and I told them I would call them back. I told her if I knew it was them I would have asked all the same questions that I was asking on the current phone call. I explained to them that I was not made aware of the date of repayment and the representative agreed that they had not made any other attempts outside of using an old email address and the one phone call. I asked if they sent anything to my residence and the representative said no. I asked why not and she kept responding that was all they did.
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The representative proceeded to tell me that my credit would continue to be negatively affected if I did not pay a certain amount of money, and that if I did pay that amount, they would go back and correct their mistakes. I asked for this agreement in writing. The representative ignored my request and continued to ask for a form of payment. I asked for a supervisor and the representative told me that they were unavailable. I continued to ask for someone with the ability to provide the statement that I was unaware of the payment dates and amounts and the representative said they would tell me the same thing and that someone would contact me.
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The next week I called again to speak with a supervisor and the representative told me again that if I paid what they were asking for they would provide the letter stating that it was their oversight and they did not send me a notice and understood that I was not aware of the amount and dates. I told her that if they knew it was their responsibility to make me aware and they did n't that I should not be penalized for it. I told her that I would like to have a supervisor contact me to discuss this issue and the representative told me that I should make the payment and then dispute the late payment reports and that request would go straight to the supervisor and she would change it. I again asked for that in writing or to speak with the supervisor that had that authority. I also asked why, if I was willing to make the payment, and she could do it at any time, would n't they do the right thing and fix it now. The representative told me that I would have to pay first to have it changed.
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Aside from knowingly misreporting my payment status, this company threatened my credit further and tried to convince me to give them money to " fix '' my credit report.
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To XXXX XXXX XXXX AS TRUSTEE Attn : LEGAL DEPARTMENT Address : Unknown Ref. : XXXX XXXX XXXX Acc # XXXX NOTICE TO DISCLOSE INFORMATION This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to XXXX XXXX XXXX AS TRUSTEE to disclose the following information regarding the loan account # XXXX : 1.- Default date of Loan 2.- Proof that status of Limitation has not expire 3.- XXXX XXXX XXXX as Trustee 's Headquarter address and agents, all information, but no limited.
Since Bank of America and XXXX XXXX XXXX has refused or failed to provide the requested information or released the loan.
We ask to the Consumer Financial Bureau ( CFPB ) to open a judicial complain against Bank of America and XXXX XXXX for Fraud and its criminal involvement in Mortgage Fraud, Wrong Foreclosure, forge assignment and misrepresentation and conspiracy to steal.
We acknowledge that Bank of America is XXXX XXXX XXXX AS TRUSTEE.
Solution Release the Loan and return all payment collected since 2006 Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America debit card was stolen in the mail, activated by someone other than myself, and used to withdraw {$1000.00} and accumulate an additional {$8.00} in ATM fees over the course of two days ( XXXX XXXX and XXXX ).
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This was my initial card received and Bank Of America has done nothing to help this fraudulent activity. During the appeal process I asked that Bank of America not send any more personal information to my address, they agreed but then proceeded to mail the information rather than email as I requested. Bank Of America has been completely unhelpful in the situation.
Consumer complaint received 2017-07-12
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: First Associates Loan Servicing LLC (NC)

I called around the XX/XX/XXXX, to start making payments since I was unable to finish the course. I spoke with XXXX and explained to him that I could only pay XXXX dollars a month, and I would continue paying that amount until it 's fully paid. I further asked if my payments could post to my account? And to taken out of the past status on my account. XXXX explained that I had to pay more than XXXX dollars but I had to pay XXXX exactly. I asked why? When the course was only XXXX dollars? He explained that with interest I now owed XXXX. He further explained that I would be forwarded paperwork that I had to sign and when I signed the paperwork and made my first payment my credit reports would reflect current status. Since I only get paid once a month the payment was supposed to post XX/XX/XXXX. I must explain that my billing comes from XXXX XXXX XXXX ; but when the money was taken from my account it showed XXXX XXXX XXXX while seemed fine. Until on the XX/XX/XXXX it withdrew XXXX three times, then on XX/XX/XXXX, totaling XXXX. To be withdrawn and causing my financial downfall. I called XXXX everyday until I was able to speak with him on XX/XX/XXXX. He voiced his concern and explained that he made a mistake and marked daily instead of monthly. He said my money would be refunded within 4 business days and any overdrafts. It took four days but shortly after I spoke with XXXX and he explained that I needed to sign another contract, and this time my credit report would be updated and in order for my late fees to be paid I had to send in an email.
What XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX did not realize was that because of their mistake my XXXX credit card was cancelled because each time they attempted to collect their payment it was not there because of the aftermath of their mistake. My cellphone has to be paid in cash only because their payment was rejected so many times.
I have went on their website to make a payment but a statement explains that I need to use the mail in method. I have also shown proof to the credit bureau that i was paying and had them removed from my credit report, only to have them placed back on their in two days with no warning or 5 day notice.
Please help me get rid of this financial, credit nightmare.
Thanks for your time, XXXX XXXX XXXX
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

XX/XX/XXXX I sent a letter to XXXX XXXX ( XXXX ), XXXX  and XXXX XXXX XXXX XXXX asking them to close my accounts and list as " Closed at consumer 's request '' on my credit line as I am working with XXXX XXXX XXXX to lower payments and be debt free. My credit reports show that I am delinquent 2 months. I have never been delinquent on a payment. I was not delinquent prior to working with XXXX XXXX XXXX. I also received a collection notice from XXXX XXXX for being delinquent after sending the letters. I had a card with XXXX XXXX ( XXXX ) since XXXX and was never late. I have XXXX XXXX also with XXXX XXXX and they recently cut my credit due to XXXX. I received an approval loan in the mail from XXXX XXXX XXXX in XXXX XXXX Pa. which was preapproved. When I inquired about it I was told I could not get a loan because my credit report listed I was delinquent. My husband called them and was told that XXXX XXXX XXXX does things different. XXXX XXXX also stated they did everything legal when they lowered my credit line without warning. The bottom line is there is negative information on my credit reports that I ca n't see but financial institutions can which they are using against me.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, 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. (CA)

Inquiries on report that are unknowing. Contacted companies and was referred to contact XXXX. When contacted XXXX customer service treated me rather poorly and I 'm now deciding to just file a full complaint here about my service and credit report. Inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX An older one that I have contacted several times including by mail is XXXX XXXX. <P/>I had a freeze on my credit report for identify theft but I 'm not sure if it " expired ''. Please help me with these issues and inquiries as soon as possible as I would greatly appreciate it. Thank you very much in advance and I hope for a better response than the first reach out.
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

I payed my Credit Card Balance. It did not post until 1 day after the due date. I did not realize this. The company proceeded to charge me late fees, that I was not aware of. This happened again the next month due to balance from original late fees, again not aware. Company refuses to re-credit late charges.
Consumer complaint received 2017-07-12
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: Experian Information Solutions Inc. (MD)

I have made several attempts via certified mail and notarized documentation requesting the XXXX, XXXX, and Experian to submit " proof '' of how accounts on my credit file were verified by their companies prior to them inserting them on my credit file as required under the FCRA 611 and 609 statues. Each company has parroted me with responses that items were investigated and verified and never submitted proof of any kind, described who in there company investigated my request and simply refused to comply with the FCRA laws and regulations. No hardcopy proof has ever been submitted as requested. These copies continuously attempt to redirect me to the companies who placed these electronically placed these items on my file without any sign contracts to verify I owe any financial obligation too.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, 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. (TN)

I requested that XXXX remove several unauthorized inquiries from my credit report. I made them aware that I had no knowledge of the inquiries. I spoke with a supervisor at XXXX on XX/XX/XXXX ( XXXX XXXX ) who refused to remove the inquiries. The inquiries were made on various dates and are listed below XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2017-07-12
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: EQUIFAX, INC. (MD)

I have made several attempts via certified mail and notarized documentation requesting the Equifax, XXXX, and XXXX to submit " proof '' of how accounts on my credit file were verified by their companies prior to them inserting them on my credit file as required under the FCRA 611 and 609 statues. Each company has parroted me with responses that items were investigated and verified and never submitted proof of any kind, described who in there company investigated my request and simply refused to comply with the FCRA laws and regulations. No hardcopy proof has ever been submitted as requested. These copies continuously attempt to redirect me to the companies who placed these electronically placed these items on my file without any sign contracts to verify I owe any financial obligation too.
Consumer complaint received 2017-07-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (LA)

I was a cosigner on my husband car that was almost 3 years ago I communicated with debt collectors before they removed it off my account which was with Chrysler capital also the car was given back to the people without a hassle and all of a sudden these people XXXX XXXX for XXXX which they said it was open on XXXX XXXX 2017 which is false information and have my critic messed up I am trying to get my life in order trying to get things together and I feel like these people is purposely trying to tell him tear me down it is really stressful so my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely XXXX So my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely XXXX XXXX
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, A recurring payment in the amount of {$110.00} .00, caused my checking account to be overdrawn and a fee in the amount of {$35.00} was assessed. On XX/XX/XXXX, i deposited the amount of {$560.00} however Wells Fargo only released part of the funds until days later. <P/> On the same day i deposited the amount of {$560.00}, Wells Fargo charged an overdraft fee in the amount of {$170.00}. I understand that a bank may charge the account for over draft fee, however the amount charged was excessive and not in accordance with Federal Laws. The account had only been overdrawn two days when the excessive amount of {$170.00} was debited from my account. <P/> On XX/XX/XXXX, a fraudulent transaction from XXXX was debited from my account twice yet i have not made any purchases. These two transactions are fraudulent in nature, not even XXXX has a history of these purchases.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been a victim of identity theft I filed a police report and a FTC report as well. It is 3 accounts on my credit report that have been open fraudulently the first account is with a company named " XXXX XXXX '' and another one with " XXXX XXXX '' and also " XXXX XXXX '' I have never opened any accounts with them, and it is clear that someone fraudulently opened these in my name without my consent. I have contacted the company and the Credit Bureaus but they have not been helpful in resolving this matter.