davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HYUNDAI CAPITAL AMERICA (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name XXXX XXXX  XXXX XXXX : Account # XXXX, Account name XXXX XXXX XXXX XXXX : Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXXXXXX, 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 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 ) ( 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 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NC)

I have been a victim of identity theft. Lexis Nexis is reporting a bankruptcy on my credit that does not belong to me. I have disputed the item with Lexis and filed various complaints. Lexis has hired XXXXXXXX XXXX XXXXXXXX to represent them in this matter. XXXX lawyer sent me a copy of what XXXX is showing ( see attached ) and has represented to me that the XXXX report is the original data supplied to Lexis. There are major issues that need to be resolved. In addition, attached is a screenshot of what information is being reported by each bureau based on the information provided by Lexis. ( see attached ) 1. Look at the XXXX  document, the full social security number is not listed, Thus how can this item be attributed to me without a full social security number. 
XXXX. Look at the XXXX document and under status it is blank. However under the XXXX bureaus the status is filed. Which is it? We will never know because it was not properly verified, if it was it would report the same across the board. 
XXXX. The XXXX  document, XXXX and XXXX report the date of filing as XX/XX/year>. However, XXXX shows the filing date as XX/XX/year>. Which is it? We will never know because it was not properly verified, if it was it would report the same across the board. 
XXXX. XXXX and the XXXX document shows the XXXX XXXX XXXX XXXX XXXX  for the XXXX XXXXXXXX XXXX XXXX XXXX However, XXXX shows the Court as Federal and XXXX shows the court as XXXXXXXX XXXX XXXXXXXX. Which is it? We will never know because it was not properly verified, if it was it would report the same across the board. 
XXXX. Under reference/case number the XXXX  document shows XXXX, XXXX shows XXXX, XXXX shows XXXX and XXXX shows XXXX. Which is it? We will never know because it was not properly verified, if it was it would report the same across the board.
Consumer complaint received 2023-10-25
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. (WI)

In accordance with the Fair Credit Reporting act 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 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 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 Status Collection account. 
, 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 In Equifax 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 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 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 2024-07-03
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: Westlake Services, LLC (SC)

" 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.

Please see attached file for these items I am complaining.. 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 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MIDFIRST BANK (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (VA)

Certainly! Here 's the rewritten version of your statement : I consistently made on-time payments, paid off the lease early, and returned the vehicle ahead of schedule. I paid the full amount up to the last day of the lease. However, upon checking my credit report last week, I noticed a charge-off related to the leased vehicle, appearing XXXX years after the lease ended. When I called last week, I was informed that the charge-off was due to wear and tear on the vehicle. 

I had purchased warranties for wear and tear, as well as interior and exterior protection from the dealership. When I returned the vehicle, the dealership confirmed that everything was in good condition and assured me there would be no additional charges. 

When I contacted the dealership, which still exists, I was informed that it had changed ownership more than XXXX years ago and that the documents would be with the previous owner. Upon reaching out to the previous owner, I was told that all documents were either transferred to the new ownership or to Volkswagen itself. 

The account shows a charge-off, with {$2300.00} written off and {$2300.00} past due as of XX/XX/2024, despite never being late on payments.
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I purchased XXXX items ( XXXX XXXX ) from XXXX, later returned XXXX of them in compliance with their return policy, and requested a refund for the XXXX returned items. 
On XX/XX/2024, the merchant credited my account XXXX for XXXX item only ( item 's original price minus prepaid shipping cost I believe, which I don't dispute ). My email inquiry to the merchant remained unanswered, and on XX/XX/2024 I opened a dispute with the credit card company for the remaining XXXX. 
On XX/XX/2024 the credit card company closed the dispute in favor of the merchant and notified me : " A letter detailing your dispute resolution will typically be available in your Notices & Letters within XXXX hours ''. 
As of XXXX, there is no letter addressing my inquiry. My additional request for clarification sent by email to XXXX on XX/XX/2024 remains unanswered.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CONTRACT CALLERS INC (IL)

Company Name : CONTRACT CALLERS NO ADDRESS NO ACCOUNT NUMBER Amount claim to be owed : {$270.00} I Have no acknowledgment of who this company is nor do I have any information about this company but they flagged my account and indicated that I owe them money and I have never been lent nor have I ever signed any agreement to owe this company such debt. This company is violating my consumer rights and I demand That this negative account get removed
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK (AL)

In reference to previous complaint # XXXX, I respectfully disagree with the response from First Horizon Bank and continue the claim with two simple questions and request to provide documents : Q # 1 Why can First Horizon Bank not reverse those unauthorized transactions? 
Q # 2 Why is First Horizon Bank in dispute with Depository Financial Institutes? 

Request to provide the following : 1. Written Statement of Unauthorized Debit Copy ( WSUD ) ( ODFI to RDFI ) : Kindly provide a copy of the Written Statement of Unauthorized Debit ( WSUD ) as submitted from the Originating Depository Financial Institution ( ODFI ) to the Receiving Depository Financial Institution ( RDFI ). 
2. Breach of Warranty Claim Against RDFI : Have you ever filed a Breach of Warranty Claim against the RDFI? If so, please provide a copy of the claim along with any responses received pertaining to the claim. 
3. Documents from the ACH Contact Registry : Please provide any relevant documents that may be available through the ACH Contact Registry.
Consumer complaint received 2023-11-22
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)

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 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 2023-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (DC)

My student loan servicer, Nelnet, notified me via message in its customer service portal on XX/XX/2023, that the XXXX loans in my account had entered into an Administrative Forbearance, which had begun the day before, XX/XX/XXXX. 

Official correspondence from Nelnet ( attached ) stated that the Administrative Forbearance would be in effect between XX/XX/XXXX and XX/XX/XXXX, and the estimated interest to accrue on my loans during this time would be {$0.00}. 

Instead, interest continued to accrue on my loans each day of this period according to the usual rates. 

I emailed Nelnet 's electronic helpdesk on XX/XX/XXXX ( attached ) to raise the issue and ask for a resolution. The automated response stated that I should call Nelnet directly and insinuated that there would be no direct reply to my message. 

I called Nelnet on XX/XX/XXXX at XXXX EST and asked for an explanation and resolution of the situation. I spoke with the customer service representative for XXXX minutes. They offered to ( a ) remove the Administrative Forbearance or ( b ) send another letter stating that interest was accruing correctly on my loans ( and implying that the original letters were incorrect ). 

I refused both and told the representative that I'd file a complaint with both CFPB and XXXX for deceptive business practices. The representative had no other response other than to say " sorry. ''
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: Experian Information Solutions Inc. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (ID)

On XX/XX/year> a fraudulent transaction happened on my XXXX XXXX account. The company responsible for the fraud is XXXX XXXX XXXX. I've never done business with this company. I've never even heard of it until this fraudulent transaction took my savings account money from me. There was no authorization to do this. I've never allowed anyone to log into my account. I have 2-step verification enabled so they should never even have been able to log in to steal my money. I wish to have my money refunded and to press charges to the maximum extent of the law.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO DEALER SVC, Account # XXXX is reporting inaccurate. 
information FCRA Law states all information must be accurate with all credit bureaus. 

inaccuracies 1.Date Last Active 2.Payment Status
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 ( MONTHS REPORTING LATE ) 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, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 2023-08-08
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. (KS)

My name is 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 2024-06-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC (IL)

This is a second time I am filing a complaint please refer to the previous file # - XXXX as I am asking to reopen and review with more proof. 
I never got XXXX $ loan from rise and from what now XXXX XXXX XXXX is accusing me of sending made up amount. 
Please see more attached screen shots for proof. Even a proof of my XXXX XXXX from the original creditor that also shows a different amount. I will dispute this with XXXX and my state attorney general as well They claim and have false papers on the amount that was lended to me from Rise who is the original creditor. 
Please see a screen shot from my statement from MY bank with the amount that was loaned to me it is not XXXX. That is the biggest proof as it was a direct deposit. Also whe is the previous documents with payments starting in XXXX  as that is when this {$2000.00} was deposit to me. Not once I had received XXXX. So that is all a LIE. See attached sheets with deposit dates amounts and payments dates from me.
Consumer complaint received 2024-06-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I do not have a debit with this company but it's listed as owning them in my credit report XXXX and XXXX and XXXX. I ask to remove the company like XXXX XXXX  and Jefferson Capital System from my credit report and it has not been done. Affecting my ability to apply for credit I never apply for credit especially from Jefferson Capital System
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

My husband opened a joint checking account for us. The bank had blocked this account with our money on it and dont let us deposit them or do any other actions. Weve contacted their customer service, they only promise us that they will send us a verification code by the regular mail but we never receive any response back. Since them we moved to other place and dont have access to mail from that location.
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

A person used my card to buy XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' for {$120.00} on XX/XX/year>. I reported the problem to the company they said no refunds, I contacted my bank and they denied my claim stating " I '' agreed to the company 's agreement.
Consumer complaint received 2024-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (CA)

Our escrow account accidentally increased from {$2400.00} to {$4900.00} per month. 
I called Fay Servicing. They claimed our property increased. Please attachment of our property tax increase amount & house insurance, but it does not add up to {$4900.00} per month
Consumer complaint received 2024-06-09
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)

I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested.
Consumer complaint received 2024-06-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

XX/XX/year> I paid a rental debt from XXXX XXXX XXXXXXXX  of {$4500.00} through Procollect. On this date the debt was paid in full. Procollect and I came to agreement for me to receive an Paid in Full letter and for this sent to be remove from all credit bureaus.