davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (UT)

On XX/XX/XXXX, I've repeatedly contacted XXXX, now Waypoint Resource Group Collections to cancel my monthly internet subscription with them so that I may move out by the end of XX/XX/XXXX to a new residence. In the screenshots below you will find proof of when XXXX accepted my returned device on XX/XX/XXXX and after months of calling XXXX to get the issue of no payment that is owed to them by me, on XX/XX/XXXX, I was credited back on the account what I did not owe due to paying this account off before the device was returned on XX/XX/XXXX. I've received a Collections of the amount of {$160.00} on XX/XX/XXXX that should not have been on my reports : XXXX nor XXXX at all since the account has since been settled and closed and promised by XXXX   employers over the phone and in the XXXX  store shown in the device receipt of return on both dates : XX/XX/XXXX and XX/XX/XXXX. I've submitted a dispute twice to Waypoint Resource GroupXXXX since XXXX of 2019 and the first dispute to no avail, nothing was done. The second dispute in XXXX of 2019, the balance was decreased when it is supposed to be completely removed. There was no follow up from this company to prove that any amount was supposed to be on my report, given that I have proof in the screenshots below that this matter was supposed to be already dealt with. This account needs to be taken off both my reports immediately as stated in both my disputes.
Consumer complaint received 2023-06-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (FL)

I leased a new XXXX Hyundai XXXX in XX/XX/XXXX. I paid a {$1.00}, XXXX deposit and traded in a XXXX Hyundai XXXX valued at {$4000.00}. Upon leasing the vehicle I had many unresolved issues by Hyundai. I spoke with their consumer affairs department multiple times and they failed to correct the issue. Although those issues are independent of the issues concerning this complaint, they are relevant in that Hyundai continues to act in bad faith against consumers. My lease was for 36 months and was set to expire XX/XX/XXXX. On XX/XX/XXXX, my car was declared a total loss due to flooding. I paid approximately {$14.00}, XXXX in lease payments. My insurance carrier encourages, XXXX, sent Hyundai Motor Finance a settlement check in the amount of {$19.00}, XXXX. In total, Hyundai Motor Finance received approximately {$33.00}, XXXX for the vehicle, an amount that far exceeded the market value of the vehicle even when it was brand new. When I initially contacted Hyundai Motor Finance XXXX of its representatives advised that he believed i would be entitled to a refund. I received a final statement from Hyundai which included a fee of {$75.00}. I paid the {$75.00} and called Hyundai to inquire when I would receive my refund. Hyundai advised they would not be providing me a refund. I explained they were overpaid by my insurance company, I traded in my old vehicle to lease their vehicle, and I also placed a {$1.00}, XXXX deposit. Hyundai explained they were not involved with the initial lease transaction. I explained to Hyundai the dealership, XXXX XXXX Hyundai XXXX XXXX, advised my trade in and a {$1.00}, XXXX payment was required for approval by Hyundai Motor Finance. In fact, I remember the dealership quoted me a very high lease payment ( over {$500.00} ) which exceeded Hyundai 's advertisement of {$300.00} for a new leased vehicle. They were able to get me down to a payment of {$420.00} at a rate of 4 %. I asked Hyundai to reimburse me the {$1.00}, XXXX and the cost of my trade in vehicle. Hyundai has refused. I am now without a vehicle and unable to fiannce a new vehicle as Hyundai has been overpaid by my insurance company. Hyundai is engaging in unfair trade practices against its consumers.
Consumer complaint received 2024-09-10
Product: Credit reporting 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. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX and XXXX are reporting XXXX XXXX XXXX XXXX as delinquent/derogatory account. They are reporting inaccurate information due to the fact Experian does not have it. This account was charged off by The XXXX  XXXX XXXX  several years ago. Charge of according to IRS publications is considered income and income is not supposed to be reported the my credit report. The certificate of indebtedness was never verified and never had a contract with XXXX XXXX XXXX. The Credit Bureaus assume the role and are supposed to have accurate information reported. I was supposed to close on a house on XX/XX/XXXX using XXXX XXXX  and because of this inaccurate information it cost me my escrow {$3200.00}. Cost pain and suffering to my two children and wife, being first time homebuyers. As a federal protected consumer I the consumer opting out of XXXX XXXX XXXX reporting to my credit report. Also XXXX XXXX, Experian, and XXXX XXXX XXXX violated The Privacy Act of 1974. I never gave written consent for this debt to be reported in my credit report. Violated the law by reporting transactional history with XXXX XXXX XXXX and the credit bureaus, by reporting my private transaction repeatedly with an open end credit account.
Consumer complaint received 2024-09-10
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: Experian Information Solutions Inc. (NY)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello! There is erroneous information being reported on my credit which is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my new credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Consumer complaint received 2024-09-10
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: Experian Information Solutions Inc. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

First the debt is in litigation as I'm writing the complaint. Second the I've already filed my 1099c to discharge the debt in compliance with debt discharge procedures. In conclusion the debt is over twenty years old,15USC 1666b . Please remove this collection from my report immediately per 15 USC 1692c and d, and 15 USC 1681i ( a ) ( 1 ) ( A ). This debt has surpassed the lawful limitation and it's destroying my credit reputation and creating a risky character ( slander ) to other financial institutions in regards to possibly future lending based off loan amount.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AppFolio, Inc. (VA)

AppFolio Tenant Screening has limited my abilities to reside in a desired neighborhood due to incorrect information and a much lower credit score provided to a potential landlord from my recent rental application. 

AppFolio Tenant Screening Report involving my rental application included the following : -incorrect account balances for XXXX XXXX and XXXX XXXX accounts -inaccurate lower credit score based on false contributing factors XXXX through XXXX ; my student loan account balances should be XXXX due to my Income Based Repayment ( IDR ) Plan ; My current balances with XXXX XXXX and XXXX XXXX are XXXX ; The date that I opened my oldest account is not recent as it was XX/XX/2002. My installment loans include student and personal loans, of which all current balances should be XXXX. 
-my date of birth is negatively flagged because XXXX is listed only as my year of birth
Consumer complaint received 2024-10-01
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. (OH)

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Bankruptcy Reference # XXXX XXXX XXXX
Consumer complaint received 2024-10-02
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. (PA)

XXXX {$250.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 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 promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am reaching out for your help concerning this misleading account reported on my credit report. This issue has caused damage to my reputation, and I need your intervention. Your mishandling of my credit report has left me feeling vulnerable, as this misinformation has destroyed my reputation. It is necessary to remove this incorrect information from my credit report.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/2024 The following inquiry was not authorized and should not be reporting XXXX  - XX/XX/2024 The following inquiry was not authorized and should not be reporting XXXX XXXX - XX/XX/2024 The following inquiry was not authorized and should not be reporting XXXX - XX/XX/2024 The following inquiry was not authorized and should not be reporting
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

My name is XXXX XXXX XXXX I was in fact a victim of the Equifax data breach that happened years ago. My Information was sold and bought illegally by XXXX knows who. I have a list of accounts from my credit report that needs to be deleted immediately. I am also attaching proof of me being a victim of the equifax data breach. Please help me delete these accounts from my credit profiles. 

XXXX XXXX XXXX reported balance as of XX/XX/2022 XXXX XXXX  XXXX reported balance as of XX/XX/2022 XXXX XXXX XXXX XXXX XXXX reported balance as of XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX this was the start of my credit being acted by an outside entity )
Consumer complaint received 2024-10-02
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. (OH)

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX, # XXXX Account name : XXXX, # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-02
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. (OH)

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX, # XXXX Account name : XXXX, # XXXX Account name : XXXX XXXXXXXX, # XXXX Account name : XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-09-28
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: EQUIFAX, INC. (MD)

I am filing this complaint regarding a credit reporting issue involving inaccurate and unverifiable information on my credit reports maintained by Equifax, XXXX, and XXXX. Despite my repeated attempts to dispute the validity of the account, the reporting entities have failed to provide proof of a contract or agreement that allegedly binds me to this debt.

1. Lack of Proof of Contract : I have sent multiple written notices of debt dispute to both the creditor/collection agency and the credit bureaus requesting proof of the original contract or signed agreement. However, neither the creditor nor the credit bureaus have provided any verifiable documentation to substantiate this accounts legitimacy. This failure to provide the requested information constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate, complete, and verifiable.

2. Inconsistencies Across Credit Bureaus : In addition to the lack of verification, the information reported by Equifax, XXXX, and XXXX is inconsistent. The account details, including balances, dates, and statuses, vary significantly between the XXXX bureaus. This inconsistency further indicates that the information is inherently inaccurate, violating the FCRAs accuracy and completeness requirements. 

XXXX. Inadequate Investigation by Credit Bureaus : When I initially disputed this account, the credit bureaus responded by stating that the information was " verified as accurate. '' However, they failed to provide any documentation or specific explanation to substantiate their findings. This inadequate investigation does not satisfy the FCRAs standards for resolving consumer disputes. 

See Also previous Disputes : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I would appreciate your support regarding this misleading account shown on my credit report. This situation has adversely impacted my reputation, and I need your assistance. Your failure to manage my credit report correctly has caused considerable harm to my reputation. It is crucial that you take steps to remove this incorrect information from my credit report.