davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-11
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 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 in XX/XX/year> 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 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 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-07
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-01
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 (TX)

I picked the closest catagories possible in the unusual incident. I lease a Kia Sportage, never have missed a payment in the XXXX  years since lease begain. Daughter was fully insured on the vehicle. Daughter found it to be stolen, reported it stolen. Police find it quickly impound the car,. XXXX Police Auto Pound never tries to contact me, only sent communication to title company which is Hyundai XXXX. Hyundai gets the certified mail and contacts XXXX Auto Pound, XXXXXXXX Auto Pound INCORRECTLY tells Hyundai the vehicle has been retrieved by person registered to, Hyundai moves on to next case. XXXXXXXX Police Auto Pound sells the XXXX  Kia Sportage XX/XX/XXXX. Never once was I contacted or given any opportunity to pick up said car or even know about it to need to pick it up!! Nothing. I have never missed payment, fully insured, then bam daughter driving the car... I learned that daughter had been evicted which prompted me to look up the car since her phone was not paid and shut off. To my dismay I see the vehicle listed and SOLD! Still to this day nobody has contacted me. I found this out on my own just looking it up when hadnt heard from daughter. My credit is very important to me and I cant believe I am faced with suddenly this car having been sold! what? I cant comprehend how this could happen but it did and I really need help.Have spent countless hours on the phone with Hyundai XXXX, XXXX Police Auto Pound and Kia Finance ... none of which plan to take responsibility and instead plan to send me a bill to buy an entire car that was sold without my consent. I am still making payments on a car that is sold in an effort to not mar my credit in the interim.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Creditor : XXXX XXXX Amount Reporting as Owed on Credit Report : {$12.00}, XXXX XXXX XXXX is operating fraudulently by reporting false, inaccurate information on my XXXX and XXXX XXXX reports. I had an auto loan with them beginning in the year of XXXX. In XXXX, I was involved in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I notified XXXX XXXX of the accident and left the vehicle at the XXXX XXXX XXXX XXXX  as it was XXXX XXXX XXXX. They informed me that they would go to the tow yard to assess the damage of the vehicle and determine what if anything I owed. 

At the time of the accident, I had already paid most of the balance on the auto loan. After the accident, XXXX XXXX asked me to make a payment to satisfy the account. I sent the payment to XXXX XXXX, yet they continued to report the account as open and delinquent on all XXXX of my credit reports. I then contacted them to discuss this issue, and they continued to demand MORE money from me. I refused to pay any additional money as this was not our agreement. So, they continued to report the account as open and report payments as delinquent each month. After my refusal to pay additional money, XXXX XXXX turned my account over to a credit collection agency. 

However, in XX/XX/XXXX, XXXX XXXX sent me a letter stating that I PAID the account off and that they were releasing their security interest in the vehicle and that they were releasing the auto title of the vehicle over to me. I have both the letter, envelope which the letter was sent, AND a CLEAN car title sent from XXXX XXXX as evidence. I have uploaded this documentation below. 

In spite of sending me a payoff letter and a clean title, XXXX XXXX still continues to seek money from me and refuses to close the account unless I pay additional money. When I asked them why they sent me a letter stating that I paid the account out and why they sent me a clear title to the vehicle with NO XXXX HOLDER LISTED, they stated that they made a mistake and sent the documentation to me in error. 

This has been a XXXX battle of dealing with a CORRUPT auto lender who lies and takes advantage of people for their own financial gain. They have damaged my credit for XXXX XXXX  and continue to do so by engaging in illegal business practices such as double-dipping and seeking money from me which I do not owe them for a car that they have already been compensated for. 

Please rectify the XXXX XXXX of damage that this company has illegally done by deleting this item from ALL XXXX credit reports. 

Thank You, XXXX XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments. I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 

Below are the accounts in question : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance XXXX {$6200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00}
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

XXXX at XXXXcst I spoke with customer service representative XXXX who after advising me of repayment options set me up on the Standard Repayment plan and advised my payment would be {$85.00} per month and the due date would be XX/XX/2023. 

One week later I checked my online account and it stated my bill was {$100.00} and due XX/XX/2023. While this info was incorrect, I went ahead and paid the amount. 

One week later I received a letter advising I had been set up on an Income Driven Repayment plan and would now be charged {$180.00} per month. After calling and e-mailing Nelnet SEVERAL times with no answer/ response, I was able to reach Customer Service representative XXXX on XX/XX/2023 at XXXX cst. She put me back on the Standard Repayment plan and advised my bill would be {$93.00} per month going forward. 

I then checked my account a few days later and it showed my new payment amount would be {$140.00}. 

I have called XXXX times, sent XXXX emails, and am as I write this on my XXXX phone call and have been waiting XXXX minutes to talk to someone. 

This whole ordeal has been absolutely atrocious, if any other agency or company acted this way they would no longer have a business. How peoples Federal student loans were put into the hands of this incompetent services is beyond appalling.
Consumer complaint received 2023-09-13
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 (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third-party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.
Consumer complaint received 2024-06-11
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 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 in XX/XX/year> 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 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 2024-06-07
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I never got my XXXX time {$25.00} credit yall promise to give me proof. to my account and is active to add to XXXX XXXX. As of XX/XX/year>, the debit card has been activated with XXXX XXXX. If you wish to open a savings account in the same titling, you will have to visit your local branch. If you are requesting to open a new savings account as sole owned or joint, you can visit wellsfargo.com or your local branch. As a courtesy, we opted to provide you a {$25.00} credit into the checking account. XXXX  reviewed the account and was able to confirm that no bonus offer code was added at the time of account opening. You would have had to present the bonus offer code at the time of opening. The account opened on XX/XX/year>, is the only account under each My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX please add the {$25.00} credit to my new account checking number is XXXX because my old checking account number XXXX is closed and cant get money there if its there transfer the {$25.00} to the new account number is XXXX or add it there at XXXX thanks and please etc and here is proof below etc.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have tried to contact XXXX XXXX XXXX for months by mail no response, there is no available phone numbers. I would like to know how can Credit bureaus FURNISHER investigate reports ACCURACY if the company does not have available phone numbers doesn't respond by mail.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

Hello my name is XXXX XXXX I need my Claim number XXXX to be reopen because I have dispute with XXXX but I have lost the dispute because I have send it with friends and family not with goods and services and XXXX won't help me with it further they keeping telling to go to y'all and I have told them I did but I lost the dispute there too please reopen it or give me a credit for {$100.00} because I didn't get my order she scammed me and block me on social media on XXXX please reopen it XXXX wont reopen my dispute or give me a one time credit and they say to go yall again and again please reopen it or give me a XXXX time credit or send it to a supervisor etc. My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX.
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2024-07-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I submitted a claim on XX/XX/year> for capital one to look into why XXXX XXXX received my XXXX mile signing bonus. They called me back with the result of the claim on XX/XX/XXXX saying that they can not honor this promotion despite their customer representative confirming on XX/XX/year> that Ive met the signing bonus limit on a recorded line. The credit card for this claim was the personal card for the XXXX XXXX.
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.