davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (VA)

Debt Recovery Solutions has called my phone on 5 separate occasions between XX/XX/2024 and XX/XX/2024. Each time that they call they either dont leave a message or they hang up when I answer. 

I spoke with a representative on XX/XX/2024 at approximately XXXX XXXX. The representative stated that this was regarding an alleged debt owed to XXXX XXXX XXXX XXXX from a few years ago. I kindly asked the agent to please send me something in writing ( a debt validation letter ) she verified my address and said they would send it. 

As of XX/XX/2024, no letter has been received. 

They called me on XX/XX/2024 at approximately XXXX XXXX  EST, as usual, I answered and they hung up. I then called them back on the same date at approximately XXXX XXXX  EST. The representative who answered did not state that this was an attempt to collect a debt but simply said the name of the company, her name, and that this was a recorded line. I spoke on the recorded line and stated that I requested something in writing on XX/XX/2024 and that nothing has been received and that they are way outside of their required timeframe that they are supposed to honor my right to receive a debt validation letter. I then asked them to please stop calling my phone.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Credit Karma has reported improper information on my credit report without my written consent. & is violating 15 U.S Code 1681e, section 623 ( a ) ( 6 ). These are FTC violations by 1681c-1. and U.S.C violations. 12 CFR Part 1022- Fair Credit Reporting ( regulations V ). 15 U.S.C 1681 section 602 right to privacy violations and 6042 section 2, by XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. this is all Fraud also if ALL ACCOUNTS ARE PRE-PAID, under Title 18 section 8. Title 31 section 3123 and Title 31 section 3124 Exemption from taxation These obligations of the United States
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Experian improperly and illegally has let an illegal third-party Anility recovery service report, false and Is in violation UCC 15 U.C code section 1692e False or misleading information. & it is pattern and practice of illegal activity. This company is committing Social Security Fraud and is breaking and CFPB violations. FTC, XXXX and many violations that would. be endless web. Experian and XXXX are working together with each other to commit fraud and id violation the terms and provisions of the XXXX XXXX, and the XXXX, and they are deliberately, violation their own department policy.
Consumer complaint received 2024-04-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TX)

i cant get them on phn, made a pymt of XXXX Transaction XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HMF - HMFUSA.com $ XXXX get them on the phn but on acct XXXX made pymt it wont let you bk on to u acct, thier sys is really XXXX up, i dont want any late chg or inst or neg remarks on cr report, pymt out of XXXX XXXX XXXX  acct
Consumer complaint received 2024-06-22
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. (TX)

Ive recently received a copy of my credit report and noticed several and accuracies and unauthorized accounts/information reporting to my credit. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I met scammer at XXXX XXXX XXXX, the person asked me to pay XXXX XXXX  transections, one was {$4600.00} ( XXXX ) and another {$4600.00} ( XXXX ). I had contacted my XXXX  XXXX XXXX account fraud/dispute dept on XX/XX/year>, but they answered the due to Venmo is not part of ACH, XXXX  cant dispute these 2 transections that I made transferred money from XXXX  to Venmo. 
So, I contacted Venmo on XX/XX/year>, although the clerk helped to file complained, but today I received emails that those to claimed were deneied. This became very challenging since I already informed Venmo that this is a scam case, I dont think as a victim I couldnt cancelled these 2 transections. Also, XXXX told me I will have to file my own law case for these 2 deals since they couldnt dispute from bank end. I dont think generally people will go for law sue case for XXXX XXXX
Consumer complaint received 2023-04-27
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. (GA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (IN)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Consumer complaint received 2023-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

XX/XX/2022 Dear XXXX XXXX I am writing to request the removal of a late payment from my credit report in regards to XXXX XXXX XXXX. I understand that a late payment can have a negative impact on my credit score, and I am eager to improve my creditworthiness. I am a service-disabled veteran and run a charitable 501c3 organization www.vetsandhorses.org I am asking that credit one remove the late payments and I am attaching actual screenshots from my bank account which demonstrates that the payment was indeed not late.

I have made multiple attempts to rectify this late payment, but it remains on my credit report despite my efforts. I am now reaching out to Department of Veteran Affairs for legal assistance in this manner.

I have been a responsible borrower many years and have always made timely payments on all my other credit accounts. I believe that removing this late payment from my credit report will better reflect my creditworthiness and demonstrate my commitment to financial responsibility.

I again, respectfully request that you remove this late payment from my credit report. I understand that this is not an easy process and may require additional documentation from me. Please let me know what steps I need to take to make this happen. I can provide more documentation in addition the documents I am currently providing with this letter.

Thank you for your time and consideration. I look forward to resolving this matter and improving my credit score. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (DC)

In XXXX, I was one of the victims of the Equifax data breach. To obtain compensation for the inconvenience caused, I had to file a claim. According to media reports, Equifax assumed that most people would not bother to submit a claim, and if the total claims exceeded {$31.00} XXXX, the payment to each claimant would be reduced. As one news report stated, " Customers have very little recourse, '' which was reminiscent of Equifax 's business practices. Despite this, my claim was approved. 

In XX/XX/XXXX, I received my first notification that the claim would be paid. However, so much time had passed that the law firm handling the matter did not have my current address, and they informed me that they would need to issue another check. In an email, they stated : " We wanted to let you know that we have received your request to reissue the check, and settlement payment will be reissued as soon as possible. '' I have not heard from them since then.
Consumer complaint received 2024-02-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

These following companies pulled my credit, I do not recognize them, please remove these inquiries off my credit report 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
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

Equifax continues to report an account listed as XXXXXXXX XXXX  incorrectly. There are several late payments that are not accurate. I have previously disputed these late payments and Equifax claimed to have verified this information I am requesting the method of verification in which it was verified. This is my final attempt at resolving this without legal action. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

EQUIFAX IS BLOCKING MY SCORE. I have multiple positive accounts and no negatives but yet i can't see a score. My equifax shows BLANK. This is destroying my livelihood. FIX THIS IMMEDIATELY OR I WILL HAVE TO FILe A LAWSUIT
Consumer complaint received 2024-07-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

I opened a High Yield Savings Account with XXXX XXXX on XX/XX/year>. ( I have multiple credit cards with XXXX, with a rapport spanning more than 25 years ). 

I opened a High Yield Savings Account with BMO Alto on XX/XX/year>. I've had both a retirement account for 6 years ( I am in the process of closing ) & another account with regular BMO for 12 years ( I closed today because of the disgusting incident described below ). 

I opened a High Yield Savings Account with XXXX XXXX  on XX/XX/year>. 

I am extremely established ; I have multiple open accounts & credit cards with multiple companies, in existence for more than a quarter of a century. Every account that I have is mine & solely in my name, all in great standing- until now. 

Out of left field, BMO Alto froze my High Yield Savings Account/website access & accused me of fraud. I called BMO Alto & spoke with a representative with a thick accent on XX/XX/year>, she asked if the XXXX XXXX High Yield Savings account was my account ( it is solely mine ) & requested a copy of XXXX 's XXXX XXXX XXXX  statement via their online portal from an email they sent me. I am overwhelmingly stunned, offended & taken aback. After I logged into the portal, I saw that my driver 's license has also been requested. 

Shortly thereafter, BMO Alto spewed lies defaming my character & sullied my name with XXXX XXXX. XXXX turned against me & blocked my High Yield Savings Account access with them, will not return my phone call to reactivate it & will not give any explanation or even so much as correspond with me regarding this matter. This is not a coincidence. 

I have provided BMO Alto with the information they have requested - ONLY to salvage my budding relationship with XXXX XXXX. 

It has been infuriating, outlandish, disheartening & has facilitated an embarrassing, tumultuous rapport between XXXX XXXX XXXX XXXX. BMO Alto 's actions subjected me to unjust bias, scrutiny & unnecessary discord, which has spilled over into my connection with XXXX XXXX. I want my money that BMO Alto is holding XXXX. XXXX XXXX  didnt treat me this way until BMO Alto disparaged me & muddied the waters. 

I realize this information will be shared with BMO Alto, I would like it shared with XXXX XXXX  as well. 

Thank You
Consumer complaint received 2024-04-27
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. (FL)

XXXX XXXX XXXX and XXXX XXXX XXXX were my XXXX XXXX XXXX technician contractors. They opened and used numerous accounts without my authorization. I notified the creditors. I was told to provide information that i don '' t have and I was also told because it is over 60 days that I am responsible. I provided with copies of the police reports. Instead, they kept selling them to different buyers. I need your help. i requested them for the original contract with my signature, the complete information of the original creditor, the payments history and itemizes bills, and proof of ownership. Proof that it was permanently deleted out of all credit bureaus
Consumer complaint received 2023-12-20
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to demand that you immediately remove inaccurate information from my credit report. It has come to my attention that my credit report contains fraudulent information that I have no relationship to. This is unacceptable and I demand that you take immediate action to rectify this issue. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peterson Enterprises, Inc. (WA)

I have been paying off a couple tickets for quite some time now and there was one month where I asked them the remaining balance after I made my payment and the amount owed was significantly higher than it was the previous month with my remaining balance. They refused to tell me what things I were paying off and I had to call back and talk to somebody else to figure out that I was actually on top of paying my personal tickets. I was also paying off somebody elses tickets. The amount got fixed and I started making payments again. My brother ended up passing away and I had called because I missed a month or two explained everything and started making my payments again last month. I called to make my payment and they told me that if I didnt pay {$200.00} that they were going to garnish my checks I paid the {$200.00} and the lady told me next month when you call youll be paying {$50.00} and you owe {$160.00} was my remaining balance as of XXXX. I told her that I get paid on the XXXX of every month so thats when Ill try to make my payments, she agreed. On XX/XX/XXXX, I made a call to make my $ XXXX  monthly payment and the man on the phone told me that if I dont pay {$200.00} they are going to garnish my checks. I told him that last month I paid {$200.00} to prevent them from garnishing my checks already Told me that I didnt pay on the first so thats why theyre gon na garnish my checks and I let him know that I had an agreement to pay on the XXXX when I get paid. He was extremely rude to me. Told me that I was lying and became very upset, that obviously upset me as well because Ive already struggled a lot to get these payments fixed and accurate and at this point this will be the second month in a row that Iv been threatened to pay {$150.00} more than my monthly payment of XXXX $ in order to not be garnished. I asked the guy the please go over the voice recordings and he informed me that they do not record call and that Im out of luck. This is with the valley empire collections.
Consumer complaint received 2023-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XX/XX/2022 Dear XXXX XXXX I am writing to request the removal of a late payment from my credit report in regards to XXXX XXXX XXXX. I understand that a late payment can have a negative impact on my credit score, and I am eager to improve my creditworthiness. I am a service-disabled veteran and run a charitable 501c3 organization www.vetsandhorses.org I am asking that credit one remove the late payments and I am attaching actual screenshots from my bank account which demonstrates that the payment was indeed not late.

I have made multiple attempts to rectify this late payment, but it remains on my credit report despite my efforts. I am now reaching out to Department of Veteran Affairs for legal assistance in this manner.

I have been a responsible borrower many years and have always made timely payments on all my other credit accounts. I believe that removing this late payment from my credit report will better reflect my creditworthiness and demonstrate my commitment to financial responsibility.

I again, respectfully request that you remove this late payment from my credit report. I understand that this is not an easy process and may require additional documentation from me. Please let me know what steps I need to take to make this happen. I can provide more documentation in addition the documents I am currently providing with this letter.

Thank you for your time and consideration. I look forward to resolving this matter and improving my credit score. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (NY)

Leased XXXX Hyundai XXXX XXXX through Hyundai American Financial Group. 

On XX/XX/XXXX our vehicle, which had payments in current good standing, was returned and the dealership agreed to pay the remaining 3 lease payments. 

On XX/XX/XXXX, Hyundai pulled a lease payment from our account for {$480.00} for a vehicle we no longer possess. 

On XXXX  we contact Hyundai to understand why we a payment was deducted for a car we no longer possessed. Hyundai support indicated the account was now outstanding and we owed {$27000.00}. Then a supervisor told us that was inaccurate, but they could not refund our payment.
Consumer complaint received 2024-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (NJ)

Elan Financial Services fraudulently used my nonpublic personal nancial information by disclosing said private information to nonaliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bailey-Act ( 15 USC 6802 ). Elan Financial Services is depriving me of my rights under the color of law ( 18 USC 242 ) and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). Said information was shared without authorization nor consent to nonaliated third parties, including but not limited to XXXX, XXXX and XXXX Consumer Reporting Agencies by way of identity theft ( N.J.S.A. 2C:21-17 ) and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (MI)

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XX/XX/2023 {$1000.00}