davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

Over two-months ago, while applying for a home equity loan, I learned that since I had a " derogatory/no payment/charge off/written off/loss to Hyundai '' that I was unable to obtain one. This was news to me as it was handed in and paid for in XX/XX/XXXX. I called Hyundai multiple times to speak with someone but I was advised that I would have to contact the credit bureaus. I then mailed Hyundai and the credit bureaus all of Hyundai 's documents proving that the lease was given back to them at the end of the lease. It was sent to their lease inspectors, AIM, a couple days later and shortly sold to a buyer in Virginia. At this point, it should state " Paid in full '' only. This lease was handed in, in XX/XX/XXXX and it is now XX/XX/XXXX. Hyundai 's inaccuracies in reporting have put an undue hardship and stress on me for many months now.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (FL)

I learn in 2023 thru a denial on a mortgage that i had two inaccurate information on my credit report. XXXX from a bank called XXXX XXXX and the other Discover Card. I never own any of these accounts.. i dont know how they got on my credit report. Only XXXX XXXX is the only creditor i owe. From then and now I reported this to the police and sent copies to all three credit bureaus and the credit bureaus has yet to remove these fraudulent information on my credit file i request that they send me who open these account, what date account open, date account closed, amount of the accounts and any information in relation to these acount was never sent to me.
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (CA)

I received a letter in XXXX stating that the law firm was attempting to collect a debt on behalf of the credit card company. I wrote a letter by certified mail saying that I would pay any debt that is proven lawful and indeed owed once provided with proof that I indeed owed the debt which was to include all invoices, a signed contract in wet ink by both parties, and proof any additional proof that I am indeed responsible for the debt they are claiming. I was sent a letter stating that the credit card company still owned the debt but they charged it off on XX/XX/year>, accompanied by a stack of statements that were paid. They failed to prove I owe the debt, that they legally own the debt to collect on it, and proved that the original debt holder charged off the debt already. Since they failed to prove this debt is valid I am asking that they call off their collection efforts, mark this debt as paid in full, and retract all negative reporting to the credit agencies.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (AR)

I bought XXXX on my Gemini app through my bank and I am unable to withdraw the bitcoin I contact Gemini support and did every verification they ask me to do so I could withdraw my funds back, but I was still unable to withdraw back my funds, This is the second time I am lodging this complain with CFPB The first time I told CFPB to help contact Gemini to allow me update my banking information because the bank linked to my Gemini has been closed and I need to change the banking information before I withdraw my funds, I got a response from Gemini that I can update my bank info and withdraw my funds on the XXXX of XXXX but I still couldnt update my bank information when I logged in the app. Anytime I logged in and linked my new account it says successful on plaid then when I return to the app to withdraw my funds I wont see the new linked account but the old one on it. This issue has been really disturbing as it have been resolved a long time ago. This is my first complaint ID : XXXX
Consumer complaint received 2024-07-12
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX CA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (FL)

To Whom it may concern..

KIKOFF LENDING LLC Account number XXXX  You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

Under 15 U.S. Code 1681b - Permissible purposes you must receive written instructions from me to release my information to third parties such as ( XXXX, XXXX and XXXX ). 

I request that you send me proof of the letters I have sent in writing to you KIKOFF LENDING LLC authorizing my personal disclosure to third parties and authorizing the permissible purpose, it is my right as a consumer to receive written proof under the ( FCRA ) within 30 days of receipt of this letter as provided by law.

If the company KIKOFF LENDING LLC can not provide proof of my written authorization for permissible purposes under 15 U.S. Code 1681b within 30 days, the account must be immediately removed from my credit report XXXX, XXXX and XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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 third party ; and ( C ) the consumer is given an explanation of how the consumercan exercise that nondisclosure option.

15 U.S.C 1681s-2 ( A ) 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.

Show me written evidence that KIKOFF LENDING LLC complies with all the laws mentioned above, and that it complies with the standards imposed by the FCRA MENTIONED ABOVE
Consumer complaint received 2024-07-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (DE)

Service Finance Company LLC is a subsidiary of Truist. They offer loans for HVAC equipment through XXXX XXXXXXXX XXXX XXXXXXXX based in Pennsylvania. We live in Delaware. During the estimate of the purchase, the financing was offered and the sales manager completed all the information through a online portal on his device. Providing us the contract and items through email for docusign signatory at that time/date. 

The loan was advertised as No Interest/No Payments for 12 months, upon application, it was approved for only 10 months. Interest would then go to XXXX or 12.99 % APR. Loan was originated on XX/XX/year> for install on XX/XX/year> of the equipment. 

Upon maturation of the loan on XX/XX/year>, payment was due on XX/XX/XXXX, and on XX/XX/XXXX the company called stating we were 5 days late and payment amount was {$590.00} per month. None of the previous statements provided that payment amount. I need to check the contract but I don't recall any of the payments being that amount on the loan servicing agreement or spelled out on the agreement. The loan is for 90 months. XXXX / month at 90 months is close to XXXX, way more than 12.99 % interest XXXX. It appears this is a daily interest loan which was not explained or stressed in the initial application and information from XXXX XXXX or Service Finance Company.
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/year>, I tired using the Capital One Travel portal to change my flight, which included an upgrade to First class for an additional {$340.00}. Prior to this, I was on the XXXX  XXXX website and saw the price of the ticket was {$530.00}, so this difference was equivalent to the ticket I had already purchased. 

However, right after putting in the request to Capital One, the price on XXXX  XXXX website increases to {$870.00}, and I get a call from Capital One saying the upgrade request was now double the price at $ XXXX. 

Basically, putting in the request at Capital One flagged the Alaska system, and I was never able to redeem the quoted price. I have screenshots to prove the timing of these changes. Price check on Alaska was around XXXX, Capital One request before XXXX, then the call me ( call log attached ) at XXXX.
Consumer complaint received 2024-07-12
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: CrossCountry Mortgage LLC (HI)

I have a mortgage for a home I own in XXXX. I have never made any late payments and I have never missed a payment. Back in XX/XX/XXXX I ran into some financial issues because I could not work due to my health. I reached out to my mortgage company to ask if they had anyway to help during times of financial hardship. They said I could apply for a forbearance. I applied and they gave me a XXXX  month forbearance. Meaning that from XXXX XXXX XXXX I would not have to pay my XXXX  mortgage. I followed all the steps of the forbearance plan and I started making my mortgage payments again on XX/XX/XXXX and the amount of the mortgage payments from XXXX XXXX XXXX were added to the end of my loan. Over the past XXXX  months I have spoke with several representatives from my mortgage company who assured me that this plan would not negatively affect my credit. Even though I was following an approved plan from my mortgage company, I found out that in XXXX my mortgage submitted to all XXXX credit bureaus that I was delinquent on my mortgage over XXXX  days and my credit score dropped by XXXX points in XXXX  day. I was shocked and alarmed that my mortgage company reported to the credit bureaus that I was delinquent when I had never missed XXXX payment and I never had any late payments either and I had been on a forbearance plan for XXXX months that was approved. I called the mortgage company and spoke with XXXX  different people who apologize and created a case that they said they were going to look into. They said that they would fix the problem with my credit and the credit bureaus. I also submitted a dispute with each Credit Bureau they said it would take about XXXX  days and I waited and then I received a letter from my mortgage company saying they responded to all XXXX credit bureaus. I went online and looked at the credit bureaus, and they still told the credit bureaus that I was delinquent and that nothing was changed. I talked to me XXXX or XXXX people on the phone that day from the mortgage company and everyone said they didnt know what to do and I saw that I have a dedicated loan specialist named XXXX XXXX and so I requested a call back from my dedicated Loan Specialist to get this figured out. I spoke with him on XX/XX/XXXX via phone and he said that even though I was on the approved forebareancd plan there was nothing that could be done about my credit. He was extremely unhelpful. He did not help me at all. He said there was nothing he could do for me.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc. (OR)

The principal loan amount was {$12000.00}. I have since repaid them a total of {$16000.00}. 
I lost my job and could not make payments for XXXX, XXXX, and XXXX. 
On XX/XX/XXXX, they offered to settle the account with 60 % off the balance due. On XX/XX/XXXX, I emailed back, saying I would like to settle. No one responded, so I called. They told me a settlement agent would call me back. Nobody called. I called again on XX/XX/XXXX, and they told me they rescinded their offer to settle and demanded the entire amount due, reporting to XXXX that I am 120 and 60 days past due on the account. They reported incorrect amounts to the credit agency, purporting that I owed {$2600.00}. Whereas the actual balance would have been {$1100.00}. If they had honored their offer to settle, I would have already paid off the account. They are harassing me daily with calls and emails and preying on me. The settlement agents ignore me altogether. I have called at least 11 times since XX/XX/XXXX to settle the account, and they refused, demanding that I make another payment before they consider it. They then reported to my credit report that I was delinquent and inflated the amount due. I made another combined payment of {$1200.00} ( XXXX XXXX {$650.00}, and XXXX XXXX XXXX ), which would have been more than the amount they requested in the settlement. I tried calling on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, and every time they tell me a Settlement agent is unable to speak with me, but that they would put in a call back request. I just wanted to let you know that nobody ever calls back. 
Meanwhile, they charge interest daily. They intentionally ignore me to maximize their profit. They have continuously lied and misled me. I need your help to get them to leave me alone and stop ruining my credit.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX INQUIRIES : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX  - XX/XX/XXXX :
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-12
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. (SC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-05-04
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. (FL)

Please consider this as my formal complaint to the EQUIFAX for allowing the fraudulent inquiries and for not taking corrections on my credit report. I sent out my dispute letter dated XX/XX/2023, with the identity theft report number XXXX. They also allowed the fraudulent accounts to be reported in my credit file with the identity theft number XXXX. As I checked my credit report these are unauthorized hard inquiries and fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXXXXXX XXXX XXXX XX/XX/year> : XXXX XXXX XX/XX/year> :
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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 those account 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. 


( CREDITOR NAME ) 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
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (TN)

I did a background check XXXX CheckR completed it on XX/XX/2023 There is information on my credit report from over 25 years ago and it is duplicate information. Some information has been expunged but still appears this information cost me my job and i have lost income this is not right i wish to file a complaint check r is always reporting old or incorrect information this is not the first time that this has happened