davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-06-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (CA)

Hi, I would like to escalate my complaint to XXXX XXXX XXXX - CEO of HCA. I was contacted by HCA Care Department on Tuesday ( XXXX XX/XX/2023 ) and spoke to XXXX XXXX XXXX XXXX. I explained the case to him and XXXX looked into it. We spoke on Wednesday and again today ( Thursday, XX/XX/XXXX ). XXXX assured me that he will take care of my case and make everything right. However, after he spoke to his supervisor about his proposed resolution, he called me back and told me his supervisor did not approve it on the basis that I did not call back the customer service the next day (??? ). I asked to speak to the supervisor but XXXX said he needed to schedule a call back tomorrow. Why on earth did I have to pay extra because of the wrong information given by the customer service? It is not about the amount, it is about the fact that you gave your customer wrong information leading to delay leading to extra cost and you are not taking responsibility for it. 

This is written in your website " In addition to our headquarters in XXXX, CA we have three operations centers in the USin XXXX, XXXX, and XXXX XXXX employees all committed to being a value-adding partner for our customers and supporting them with industry-leading customer service. '' Please show me how an " industry-leading customer service '' company treats their customer I request to speak to XXXX XXXX XXXX and get my case resolved no later than Friday ( XX/XX/2023 ) My name is XXXX XXXX XXXX XXXX ( my phone number is XXXX ). My car 's VIN number is XXXX. My Hyundai Motor Finance account is XXXX
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

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. 


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 2024-08-06
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contact transuion several times by phone and by mail asking to remove account with incorrect name and information and they hade sent me a letter requesting some information like my DI, XXXX and proof of address which l did as they ask but still they haven't removed it and this is effecting me deeply because l am trying to get a home loan for my kids and this is effecting my credit report and it's costing me a lot of money highering credit repair companies to fix this issue on my credit report, can you please please complete my request as this is taking a toll
Consumer complaint received 2023-06-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (IL)

Global Lending applied for loan was approved but to my knowledge I haven't obtained any car with this loan company and I was notified that I had an account but when I tried to retrieve information about my account i get no information I lost my wallet about a month ago and I canceled my credit cards but my ID was also lost. I noticed that my accounts were being hacked or canceled once I pay amounts I these incidents to credit union as well as company I purchased items so I decided to get A VPN when I checked into my credit union my VPN notified me that my USB no longer was compatible to my XXXX  to my knowledge I don't have A USB and wasn't plugging it into my computer I got this message numerous times then I heard A noise upstairs in another apartment moving around i hear this when I am on my computer
Consumer complaint received 2024-08-06
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. (TX)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 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. 
Delete the accounts below : 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 2024-08-22
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: Experian Information Solutions Inc. (NC)

Im filing this complaint regarding the inaccurate reporting of an account by XXXX XXXXXXXX XXXX ( Account Number : XXXX ) on all three major credit reporting agencies specifically these : Experian, XXXX, and XXXX. ( and others ) Key Issues : Failure to Report the Sale of Debt : XXXX XXXX Bank sold this debt to a third-party collection agency, Monarch Recovery XXXX XXXX However, the account is still being reported by XXXX XXXX Bank as an active charge-off with a balance of {$460.00}. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ), which requires creditors to accurately report the sale of a debt.

Inconsistent and Inaccurate Reporting : There are significant discrepancies in how this account is being reported across the three credit bureaus. The credit limit and balance usage are inconsistent, and the account status and payment history are inaccurately reflected. This violates FCRA Section 609 ( a ) ( 1 ) ( A ), which mandates that all information must be accurate and verifiable.

Failure to Conduct a Reasonable Investigation : I have disputed this account multiple times, and each time it has been verified and updated without any substantive changes. This suggests that XXXX XXXX Bank and the credit bureaus have not conducted a proper investigation, as required under FCRA Section XXXX ( b ). 
Legal Violations by XXXX XXXX XXXX : Monarch Recovery Management is sending me collection notices for this account despite the ongoing disputes and inaccurate reporting. This constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 2 ) ( A ), which prohibits the misrepresentation of the character, amount, or legal status of a debt. 
Impact : The continued inaccurate reporting of this account has caused significant harm to my XXXX XXXX and overall financial well-being. The emotional distress and financial damage Ive suffered due to this ongoing issue are substantial.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-05-29
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)

There is a List of accounts below that violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX  # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX XXXX  Account XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

I was checking my credit because im in the process of looking for home to purchase. I looked at my Transunion credit report on May 28, 2024 and noticed some things are incomplete and not accurate. I know according to the Fair Credit Reporting Act when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Also according to 15 USC 1681 5, theyre supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2, they arent supposed to 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. These items are negatively affecting my ability to purchase a home I need them removed ASAP please help.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I have a credit card from XXXX  XXXX XXXX  XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me two 30 days late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  XXXX XXXX  XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2020-10-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

I have a mortgage with Banco Popular de PR. My home suffered damage by the earthquakes in the south. The Bank make me put an insurance to the house, by this date nor the bank or the insurance company helped me with the process to fix the house. The insurance offeres me a low quantity of money to fix it. I ask the bank for helped the only thing they offered me is in benefit of the bank not in the benefit of me or my family. They now are calling me asking when I'm going to pay.
Consumer complaint received 2024-08-05
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. (TX)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-08-06
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)

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 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent updated personal information to experian, transunion, XXXX, about this address being reported inaccuracies like this ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at this address. Please delete this address from all Credit reports. 

XXXX ) XXXX XXXX XXXX account # XXXX XXXX ( inaccurate reporting, delete it now. ) XXXX ) XXXX XXXX account # XXXX XXXX ( inaccurate reporting, delete it now. ) XXXX ) XXXX XXXX  account # XXXX ( never been late, delete now. ) XXXX ) Affirm lnc. Account # XXXX ( inaccurate reporting, delete it now. ) XXXX XXXX XXXX XXXX credit account # XXXX ( inaccurate reporting, delete it now. )
Consumer complaint received 2024-06-06
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: EQUIFAX, INC. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-06
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. (OR)

RESIDENT VERIFY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian 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 2020-10-08
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I have been trying to access the XXXX website for a week and it is not available for my country, Puerto Rico. Every time I try to access I get the following message : XXXX XXXX XXXX The XXXX website is not currently available at your location. Visit XXXX or www.consumerfinance.gov/learnmore/ to learn how you can request your free U.S. credit report by mail. 

Why can't I access the web? By mail it takes a long time and I have the right to access it like other countries. 
I am a XXXX XXXX and I refer clients to use the access and they have not been able to do so either. 

Thank you for you assistance.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (MD)

The credit card company offers travel insurance as a benefit of the card.Travel insurance covers trip delay.I submitted a claim for a trip delay however the company requests that I provide documentation form the airline about the delay and the airline doesnt provide this kind of information.I provided alternative notification about the delay but the credit card company is not accepting it, they also claim that they are not able to verify the delay of the flight.
Consumer complaint received 2024-05-04
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. (FL)

all of these accounts are fraud that i came across i now have a XXXX XXXX  that was able to help me filter through these unrecognizable accounts These inquiries were not authorized XXXX XXXX XXXX XXXXXX/XX/XXXX also same company again XXXX XXXX XXXX XXXXXX/XX/XXXX additional companies of unrecognized transactions are stated here as well XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX ACCOUNT opened XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX