davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (WI)

Huntington Bank closed my checking account on XX/XX/19 which has a balance of {$2000.00}. I contacted them to see time frame I will receive my remaining funds in account. Huntington reply funds were removed from closed account and no notes on issue check.
Consumer complaint received 2024-06-17
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. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX My Date of Birth : XX/XX/XXXX SS : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX To Experian, My name is XXXX XXXX XXXX and I need your assistance to look into the following accounts that are listed on my credit report incorrectly. I would appreciate receiving copies of the paperwork you utilized to confirm the authenticity of each of the inquiries below. Please remove these accounts as soon as possible if you don't have any proof of their accuracy. 

XXXX. This is an authorized inquiry. 
XXXX Date of inquiry : XX/XX/XXXX Please remove this from my credit report as soon as possible. 

XXXX. This is an authorized inquiry. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this from my credit report as soon as possible. 

XXXX. This is an authorized inquiry. 
XXXX Date of inquiry : XX/XX/XXXX Please remove this from my credit report as soon as possible. 


I want your full cooperation to start a dispute in every possible way for you to permanently block, remove, and delete these accounts on my credit report. Im progressively being worn out as a result of these accounts being reported. My health is not as good as it once was ; to put it briefly, the stress from these inaccurate accounts negatively impacts both my physical and emotional health. Enclosed may be additional evidence to support my claim. 


Truly yours, XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-04-30
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: Bread Financial Holdings, Inc. (TN)

Comenity bank/Jared account reporting late payments. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any
Consumer complaint received 2024-05-18
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. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-01-03
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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. (CA)

I pulled a copy of my credit report on Equifax, XXXX and XXXX and noticed fraudulent inquiries and fraudulent accounts that were listed on my credit reports that need to be immediately DELETED as well. As Clearly outlined in 15 USC 1681 and more specifically to 15 USC 1981c-2 and 15 USC 1681s-2 , I DID NOT originate or authorize the following accounts listed on my credit reports. This amounts to clear IDENTITY THEFT and MUST be DELETED within 4 business days of receipt of this complaint. I am attempting to handle this matter privately. Please DELETE account ( s ) : XXXX XXXX, XXXX XXXX XXXX. DELETE fraudulent inquiry 's : XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

Starting XX/XX/XXXX XXXX XXXX has been reporting that I am delinquent on my car loan. When I call XXXX they say they will send a letter to the credit agencies showing I am not delinquent. Each time I call they confirm I am not delinquent and they dont know how that happened. As of XX/XX/XXXX it is still reporting that I am delinquent and XXXX says it is no longer their responsibility because they sent a letter
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (IL)

I had applied for the XXXX income based repayment plan ( now XXXX ) for my student loans in relation to PSLF ( Public Service Loan Forgiveness ) in XXXXXXXX XXXX XXXX. As of XX/XX/2023 the application is still not processed by MOHELA and states that it is under review still. Loan payments are restarting and the payment amount does not reflect what it should be on the income based repayment. I have been on hold hours with MOHELA numerous times and not been able to speak with anyone!
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-08-02
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. (NY)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2024-07-31
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. (GA)

My credit report includes a fraud alert indicating that I am a victim of identity theft ( Exteded Fraud Alert under FCRA Section 605A ). Any applications in my name should be verified with me directly. Section 605A ( 15 U.S.C.1681i ) : Provides consumers the right to dispute information on their credit reports and mandates the credit bureau to investigate and correct or remove any inaccurate, incomplete, or unverifiable information. Section 605A ( 15 U.S.C.1681i ) : Entitles consumers to place a fraud alert on their credit reports and requires creditors to verify the identity of the consumer before extending credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

FCRA 605B mandates the removal of incorrect accounts from my credit report. This account is inaccurately reported, so please eliminate it from my credit file. I am owed {$1000.00} for every incorrect entry on my credit report.
Consumer complaint received 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

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 2023-11-07
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. (OK)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quicklyXXXX XXXX XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$5800.00}.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

Synchrony bank credit cards Have had major issues with this company I always paid my payments always paid off my cards XXXX XXXX XXXX - closed with out notice no reason XXXX XXXX  credit card XXXX credit limit brought down XXXX. For no reason XXXX credit card - closed for no reason Then they said they closed and lowered because they pulled my credit and I have no mortgage, well house is paid for No vehicle loan - cards paid for Then they said to high of revolving credit use Very well not true all my cards are low balances if not 0 balances They have done this for no reason ridiculous reasons and my credit has taken a huge hit from this. How can they get away with doing this? I could understand if I was an awful consumer who never paid the bill. This is far from the case. If you read there reviews Im not the only 1 they have done this to they do it a lot They need to be stopped because they are not a good bank by treating customers like this. It hurts us as consumers who are trying to keep our credit good by lowering our credit score we take a huge hit for NOTHING!!!
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

Synchrony Bank, processor for my TJ Maxx/Marshall 's Master Card credit card just notified me, in my recent bill statement, that I would be charged {$1.00} if I continued to want a paper bill and did not want to go paperless. I am a senior citizen, and I don't like going paperless. I only pay an occasional invoice when my husband assists me to make a payment, he uses a password generating system, which I find too difficult to use and it's only on his computer. I am XXXX years old, and I have a pristine credit score, but I typically prefer to get my bills by mail, as does my husband, and pay them by check. I think it's even more bizarre that the notice said, if I charge less than {$2.00} a month, there would be no paper bill fee of {$2.00}, but honestly the insert in my statement was so confusing I am not positive that this is the case. This lunacy however, it did seem confirmed when I called the credit card company to complain. I feel like charging {$1.00} monthly just to irk them, but instead I took the credit card out of my wallet and will no longer use it. I think this {$1.00} fee for NOT going paperless is discriminatory to seniors and low-income people with no home access to computers and have to rely on public wi-fi in public places, or the library where others may be more easily be able to hack their account information. This fee practice for paper bills should be illegal.
Consumer complaint received 2023-11-07
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. (OK)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXXDEPT OF ED XXXX XXXX : {$3300.00} ; XXXX/DEPT OF ED XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5800.00}.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NC)

Chime took my money and closed down my credit builder account. I had XXXX some dollars. 
Date XXXX  XX/XX/year>. I called chime they told me they took it because I have to pay for them to build my credit.
Consumer complaint received 2024-05-17
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. (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 uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated 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 2024-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-09-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HYUNDAI CAPITAL AMERICA (WI)

I. On the day of XX/XX/2023 I downloaded the payoff quote from my Hyundai motor finance online account for the total amount of {$25000.00} including the {$3.00} per deem charge. 

XXXX. Next day, XX/XX/XXXX I paid off the total payoff quote on my account selling my car to the XXXX XXXX XXXXXXXX located XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$20000.00} and paying them the surplus of {$4900.00} for the total amount of {$25000.00}. 

XXXX. Even though I paid my total debt with Hyundai motor finance on XX/XX/XXXX I got deducted from my XXXX XXXX XXXXXXXX account what used to be my monthly payment of {$500.00} and this is not even reflected on my payment history and wasnt either refunded. 

IV. The Balance Amount for the XX/XX/2023 was for {$25000.00} and my payment for {$25000.00} was reflected on the Hyundai Finance online account for the XX/XX/2023. Regarding this payment I have serial questions : a. Why if the payment was for a total amount of {$25000.00} to the principal account went just a total amount of {$25000.00}? 
b. Why is Hyundai motor finance charging me {$15.00} for NSF? 
c. If {$25000.00} minus {$25000.00} plus ( - {$110.00} ) of interest, plus ( - {$15.00} ) of NSF equals {$480.00}, why is Hyundai motor finance charging me as payoff quote those {$480.00} when they actually owe me that money? 

V. Since I paid off my total balance, I have been trying to contact Hyundai motor finance customer service phone number multiple times trying to get an explanation on why the credit report stills showing up my XXXX XXXXXXXX debt and why now I have a new payoff quote. 

I tried to contacted them and explained this whole situation 6 times already, and sent them a physical letter on the XXXX of XXXX to the Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, according to their website asking them for : I. Please remove the payoff charge of {$480.00} XXXX. Please issue me a refund for the {$500.00} deducted on the auto payment on XX/XX/XXXXXXXX XXXX XXXX 
XXXX. Please close my account after is proved I owe you nothing. 
IV. Please contact me or reply to me through a formal way.