davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

I accidentally made an double payment at the end of my lease term in XX/XX/XXXX. I called that same morning to alert them and they stated they could not reverse the charge and since it was the end of my lease the only option would be to send me a refund check. Needless to say this created an ongoing issue where they never actually sent me a check and furthermore, never credited the extra payment against my account. When i extended the terms of my loan another 6 months and was told this was all taken care of and the payment would be applied, I was erroneously reported as 30 days past due in XXXX. Had to make more phone calls, they assured me they would fix it and I was reported again in XXXX of XXXX. They put me through so much stress and effected me financially. I spent hours over those 5 months on numerous phone calls, speaking to numerous specialists, getting collection calls and letters every day. The worst experience I have ever had. Each time they said the call was recorded and that they were sorry and everything would be resolved, so there should be no issue to investigate and remove these derogatory marks from my report which have already caused my APRs to increase on my other accounts and caused my auto purchase to have an outrageous payment and my refinance to be denied. This is effecting my credit and my life. They have put me through so much stress, all because I made an extra payment at the end of my term and they didn't know how to handle it. Please look at my credit history, I am not XXXX to be past due on my accounts. Please help! I already reported through XXXX and sent letter to XXXX and they continue to do nothing. I attached a file with further explanation.
Consumer complaint received 2024-07-12
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)

Reviewing my Consumer Reports, I discovered some instances of late payments on an account of mine which Ive always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with accuracy. I have made all my payments on time on the account : ( XXXX XXXX ), ( XXXX ). I request a thorough investigation into these discrepancy and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to provide such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations without any delays.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-09-18
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2024-05-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NC)

I formally requested by certified mail the following with no response over 30 days, XXXX. documentation related to the following collection account : Name and Address of the Original Creditor Detailed Statement of the Alleged Debt Amount of the Alleged Debt : {$580.00} Proof of Authorization to Collect this Debt on Behalf of the Current Creditor Verification that the Debt falls Within the Statute of Limitations They Only as of XXXX weeks ago reduced the debt by XXXX making it XXXX.
Consumer complaint received 2023-09-18
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. (CA)

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. XXXX XXXX : # XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # 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 2023-09-18
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)

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. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2024-06-05
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. (GA)

XXXX XXXX XXXX Account XXXX I received a copy of my credit report. I noticed that you are reporting this account incorrectly. The payment summary is not accurate at all. The following Dates are inaccurate, For the year XXXX XXXX is reporting XXXX, 90 days late, XXXX is 120 days late, XXXX is 120 days late and XXXX is 180 days late. EQUIFAX is reporting XXXX 90 days late, XXXX  120 days late, XXXX 120 days late and XXXX is reporting PAID ON TIME. XXXX is showing NO DATA CHARGE OFF AS BAD DEBT. Therefore is inaccurate credit reporting. According to the FCRA, I have the right to an accurate credit report .Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completing
Consumer complaint received 2023-10-28
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NC)

I owned a Belk credit card ( Synchrony Financials ) onto which fraudulent transaction happened in XXXX XXXX. 

The fraudster compromised the card and shipped the merchandise to our address because of the reason that we were out of country. 

Belk credit card financial institution did investigation for over 2 years and refunded the fraudulent transaction amount of {$2000.00} in XX/XX/XXXX. 

But, then later on XX/XX/XXXX, Synchrony Financial reversed the credit and still made me liable for the fraudulent charge. 

Synchrony Financial has broken federal law from the year XXXX for over 2 years now and still breaking the law by making the consumer not giving protection against the fraudulent charges.
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. (LA)

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 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (NY)

To whom it may concern, On XX/XX/XXXX I deposited a XXXX  check at a XXXXXXXX XXXX XXXX  the bank XXXX mistakenly deposited the check into the wrong account. The check wasn't made out to that random account holder 's name and it bounced, and was mailed to this random person whose account the check was accidentally deposited into. 
Eventually the branch located the check and on XX/XX/XXXX they deposited the check again this time to my account. 
On XX/XX/XXXX the check returned by the paying bank for an unknown reason. I contacted TD Bank  and they told me to reach out to the individual who wrote out check. I wasn't able to reach the organization who wrote the check. The people who helped me receive the check in the first place spoke to the organization and were told that there was no reason for the check to return, and it seems that the paying bank returned the check because it was initially deposited into a different account and returned that made the paying bank believe that there was a problem with the check. 
As of now I didn't receive a new check and I'm not sure if the organization is willing the give me one, ( it seems that now they have more important causes than my cause ). Even if I get a new check, I understand it won't be the same amount as the check I got at first. I also had some additional expenses due to the return of the check.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am disputing an inaccurate XXXX XXXX account reported by the credit bureaus. Despite multiple certified requests for verification, the bureaus continue to inaccurately verify the account. TransUnion reports the account open since XX/XX/XXXX, while XXXX and XXXX both report it as open since XX/XX/XXXX. Due to the discrepancies and failure to provide accurate verification, I am requesting the removal of this account from my credit report. The last updates were reported as follows : TransUnion on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX.
Consumer complaint received 2024-06-17
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. (UT)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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
Consumer complaint received 2024-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

On XXXX XX/XX/year>, I received notice that my loans were being transferred from XXXX to EdFinancial on or about XXXX XX/XX/year>, and that if it was not transferred as planned, I would be contacted by XXXX. Between XXXX XX/XX/year> and XXXX XX/XX/year>, I attempted to register an account with EdFinancial and was unsuccessful as their website says I don't have an account with them. I called EdFinancial on XXXX XX/XX/year> attempting to determine how to pay the loan, and their response was that I don't have an account so no payment is due. I contacted the XXXX Department, who stated that my loan is in fact with EdFinancial and that I can pay through them. I again contacted EdFinancial, who said that their systems haven't been updated on time to process the account transfers. EdFinancial said that there wouldn't be a payment due until the account was updated and that this shouldn't affect PSLF counts, but couldn't provide any documentation that this was true. They also stated that there was no way to accept a payment as they don't have my account. However, the Education Department 's rules state that servicers must work to process payments during loan transfers. 

During this time, my account will still be gaining interest and because my loan was not paid on time because of EdFinancial not processing loans into their system, I don't see how a payment made once the system is updated will count as an on time payment for the purposes of PSLF. I also take issue with the fact that my account will be garnering interest during this time as I've been prevented from paying my account. I also can't use the mail-in payment option because that requires listing the account number, which EdFinancial has not provided to me.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX : XX/XX/XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Subject : Request for Correction of Personal Information Under FCRA Dear Sir/Madam, I am writing to formally dispute the accuracy of personal information in my credit file. I have noticed discrepancies that need to be corrected as per the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of being notified. 

Here are the details of the inaccurate information that I request to be updated : 1. **Incorrect Information** XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX NC XXXX XXXX NAMES XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Update my information as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX According to the FCRA, you are required to re-investigate the items in question and modify, delete, or permanently block the erroneous information from my file if it is found to be inaccurate, incomplete, or can not be verified. 

Please ensure that the necessary changes are made and send me a written confirmation of those corrections. Should you require additional information or documents to complete your investigation, please feel free to contact me directly. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

Hello American Express Agents, As uploaded is the court documents. This will be going to Court on the XX/XX/XXXX. I implore you to wait on the dispute until the Judge has made a decision on this matter. Ive provided ample if not a exceedingly large list of why these are fraudulent charges. I find it quite amazing that you are still holding out. To highlight the facts : We had a verbal agreement that I would be charged {$5000.00} for the operation, they took my personal belonging including my credit card. 
They would not give me a fit to fly letter unless I had the XXXX ( which after speaking to council was illegal ) They charged my credit card 3 times ( which is weird, with 3 very different signatures ) at the hospital without me knowing I had to have a second XXXX here in the US to fix the work they did in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, along with the supporting equipment where the crutches broke in the airport The largest point of Fraud is that they charged my Insurance Company for the XXXX and actually had it at a different cost then they charged my Amex. This is such a damning piece of information that I am not sure why they are not seeing the discrepancies and the fact they got additional money for free. 

The fact they can charge me 3 times without my consent, we had a verbal agreement, I had to have the XXXX re-done and the doctor even said they used things they shouldnt have and you are saying this isnt fraud. I dont know what is. 
I am not sure if you can provide counter evidence to each fact that I outlined or you are just saying. We dont think its fraud, therefore too bad. Regardless this will all be presented infront of a judge on XX/XX/XXXX at XXXX for judgement. 

Thanks, XXXX
Consumer complaint received 2022-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (IN)

This company has tried to collect a debt that I did not open. They have failed to provide me proof that this debt is mine therefore committing fraud. I am prepared to take all legal action against this company and hold them accountable for falsely hurting my credit and threatening to sue without legally providing me info that I have requested in a timely manner.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2024, I looked on my credit report and I noticed some inaccuracies. I sent a letter to XXXX on XX/XX/2024, to investigate these accounts ( XXXX ). I sent certified mail. They sent me their investigation and said those accounts were accurate. And according to 15 USC 1681i ( 5 ) I see it states after reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an any item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights.
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: EQUIFAX, INC. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.