davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (AZ)

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.

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 2024-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (VA)

Regarding a loan for a XXXX XXXX XXXX XXXX financed through : Kia Finance America ( PAYMENT address ) XXXX XXXX XXXX XXXX, TX XXXX kiafinance.com OR Kia Finance America XXXX Customer Service XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX The amount financed was {$40000.00} at 6.49 % for 60 months, with the first payment due XX/XX/XXXX As of XX/XX/XXXX we have made XXXX on-time, and over-amount payments totaling {$13000.00} The regularly scheduled monthly payment amount is {$790.00}. 
XXXX payments of that would be : {$11000.00} Based off of standard amortization tables, our balance after 15 monthly payments should be approximately {$31000.00}, but instead is over {$37000.00} And we have paid {$1000.00} MORE towards the principal than even required. 

There seems to be discrepancies between the website payment tracking and the printed bills. There also seems to be mathematical errors in the processing of the payments, with our balance increasing after payments, rather than decreasing. 

Since initiating this loan, we have had several problems. Payments were missing or late on the printed statement. We even received mailed Past Due notices, despite the payments being accurately recorded on their website. 

Called in XX/XX/XXXX, about missing/late payments. According to mailed statements, payments were missing despite them showing up on-line in payment history. ( We had received a Past Due notice ) Names on the online account were incorrect. ( My name on the statement was replaced with my wifes name, who is not the vehicle owner or even listed on the account. ) Called Customer Service on XX/XX/XXXX regarding continued inaccuracies in the balance calculations and recording of payments. They were supposed to investigate and call back within 5 days. Never heard anything. 

Called again on XX/XX/XXXX. Requested a forensic review of account balance and account structure. Was supposed to hear back within XXXX hrs. Never heard back. 

Called again on XX/XX/XXXX. Talked with a supervisor, Was supposed to hear back after an internal review in XXXX business days. Never heard back. 

Called on XX/XX/XXXX to ask about progress. Was told they were " still processing '' a review. Never heard back. 

Called again on XX/XX/XXXX, referred to IT, then to Service Desk. Filed a Formal Complaint and was supposed to hear back within one week. Never heard back. 

I am filing a complaint that this company has incorrectly calculated the payments and balance on my account. I have documentation that payments were made on-time, and above the required amount, but my principal balance keeps going up. There is some kind of accounting error on my account and I want it fixed. I am requesting a full forensic review of my account and a correction to my balance.
Consumer complaint received 2024-07-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (FL)

My CD matured on XX/XX/year>. Unfortunately I left for vacation that day and did not return until XX/XX/year>. Before I left I asked the bank not to rollover the CD. They said I would have to call after the XXXX and gave me a phone number. 
While on vacation in XXXX I called the bank. The phone number they gave me did not work. So I called the general voicemail at the XXXX XXXX XXXX XXXX branch and left XXXX messages asking them to call me. I also left a message at the XXXX branch. None of my calls were returned. 
Today I got a lettet telling me that my CD was rolled over at the negligible rate of 0.01 %. I tried calling the branch again. But no one answers the phones. Instead they put you in the same general voicemail that is either not monitored or ignored. 
I left another message. 
I also called the National number for Truist XXXX. The customer service person told me there would be a penalty if I closed the CD now. 
Truist unlike other Banks does not allow you to service your CD online. Apparently they don't answer phones or return calls. In the past when I have gone into the branch I have had to wait a long time to speak to someone.
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dankos Gordon & Tucker PC (VA)

In XX/XX/XXXX I moved into the XXXX XXXX XXXX and prior to closing or anytime thereafter I was not provided with a copy of my HOA guidelines. Nor I have I signed any guidelines in agreement with my HOA. Per Virginia state Real Estate law, the seller is responsible for providing a copy of the HOA bylaws prior to closing and they must be signed. If not, the sales transaction can be deemed as unlawful. 

In late XX/XX/XXXX, I received a notice indicating that my HOA dues were past due. I immediately sent a payment on XX/XX/XXXX for an amount of {$260.00}. As of today, XX/XX/XXXX, I received a letter from an attorney 's office of XXXX, XXXX and XXXX requesting a total amount of {$2600.00} ( {$2000.00} pro-rated HOA dues, {$520.00} attorney fees and an interest rate of 18 % ). I was advised that as part of the HOA bylaws the pro-rated amount for HOA dues can be requested. At no prior point was I made or aware or agreed to those terms as I never received a copy of my HOA by-laws which would detail this information. 

As a result, I do not think the terms of this collection notice is legal, and I would like this investigated.
Consumer complaint received 2024-07-30
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. (IN)

On XX/XX/2024, I reviewed my Equifax Credit Report and noticed that I have a data breach from Equifax. I mailed in the police report, the affidavit of truth documents along with all the other documents way of certified mail. I called Equifax on XX/XX/2024, a Representative named XXXX told me that they have received all requested documents needed for the removal of all the disputed accounts because of the data breach. Equifax 's failure to comply with FCRA requirements to remove unauthorized hard inquiries is unacceptable. This is my final notice to get this situation rectified. As a victim of this data breach, I have the right under the FCRA Section 605B to have these hard inquiries removed immediately. According to the FCRA law, Equifax has 10 days to respond to this letter Failure to adhere to the FCRA laws will be subject to a civil lawsuit. 
Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I checked my credit report and found out a XXXX XXXX XXXX credit card account that was a fraud account. I didn't even open a credit card at XXXX before, I tried to dispute this account, however the XXXX denied my request. Per checking the credit card information, this credit card is opened on XX/XX/XXXX, however, I didn't come to XXXX until XX/XX/XXXX. I am so disappointed on the way XXXX solve my problem, and it hurt my credit score a lot. I really want to solve this problem. 

My personal information Name : XXXX XXXX XXXX : XX/XX/XXXX Passport : XXXX SSN : XXXX I have attached the related credit card as a screenshot. also I attached my travel history from US customs and border protection. It will show that I arrived at XXXX at XXXX
Consumer complaint received 2024-09-04
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. (GA)

I am writing to formally request the immediate correction of an inaccurately reported late payment entry on my credit report concerning my XXXX XXXX XXXX XXXX account. The details of the account are as follows : Account Number : XXXX XXXX XXXX XXXX Upon reviewing my credit reports, I have identified discrepancies that require urgent attention XXXX XXXX and XXXX : My payments on this account are accurately reported as being made on time. 
TransUnion and XXXX : These bureaus incorrectly indicate that I missed a payment on this account. 
I want to emphasize that I have never missed a payment on this credit card. All payments have been made punctually through a recurring payment setup, which should ensure timely and consistent payments. The inaccuracies reported by TransUnion are likely due to a system error, and I request that these errors be rectified immediately. 

Legal Basis for Correction : According to 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Given this legal requirement, it is imperative that my credit report accurately reflects my payment history and financial responsibility.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Due to the recent hack and theft of all Social Security numbers, I opened an account at all three credit bureaus on Sunday, XX/XX/XXXX in order to freeze my credit. However, TransUnion is the only bureau out of the three bureaus that would not freeze my credit. 

There is a XXXX XXXX  feature available, but after selecting that option, I was told there were unusually long wait times. There is also a phone number to call, and the same message about unusually long wait times was given when calling. This seems to have been happening at least over the past three years, and below are some of the many complaints logged against TransUnion online : I then checked online message boards for what is happening at TransUnion, and every comment is that TransUnion 's site has not been working since XXXX. These are common complaints ; I have also had this issue since XXXX, XXXX & now XXXX ; trying to do the free annual credit report. TransUnion is the only one that doesn't work ; every single time I try to use TransUnion online for anything, I have to call them. Then they require me to verify my identity with a series of multiple choice questions ( over the phone! ) ; Among the 3, the worst website. I can not get any information from the website. Please complain to your congressman. This abuse needs to stop. The other 2 have great websites. ; I tried getting all three scores. XXXX, and XXXX popped up immediately, TransUnion nothing, the chat person said " technical issue '' and referred me to a number.
Consumer complaint received 2024-08-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Bureau LLC (WI)

I had a loan that was placed to multiple creditors. Ive been working with the other companies it went to and was told to stop payments until it was straightened. I had previously paid to these people, but stopped when I realized I was paying multiple people on the same loan. This company has been very XXXX  and downright illegal about it though. They didnt want to hear that the loan was with different people and failed to provide information such as when they got the account and other things that the other companies provided. One company in particular was great and super professional, trying to do this ethically and get to the bottom of it. ARB has been the complete opposite. Calling and emailing at all hours of the day, failing to provide me with information, and failing to find out why they are collecting on a loan I dont own anymore. The language is unprofessional, rude, and they clearly have no idea whats going on. The fact they are still trying to collect on a debt they know is being paid multiple times should be a huge red flag in and of itself. Very shady company. Ive attached proof of XXXX handling the account and them still trying to contact me with a settlement offer ( both the email and settlement offer attachment ) AFTER the fact. You can see the account numbers from the original loan match exactly and amount is the same. Seeing as the newest company took possession of the debt XX/XX/year>, they are probably trying to collect illegally on a debt they dont own anymore.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

CFPB, EQUIFAX HAS 30 DAYS TO COMPLETE A DISPUTE REQUEST. WHICH THE FAIL TO DO. XXXX IS 46 DAYS TOTAL
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

Starting on XX/XX/2024 I have unauthorized transactions on my account. I disputed all of them, but for some reason the people I spoke too didn't include all of them. 
It is over {$1400.00} in total. This hotel is known from stealing from their guest!! Based on other reviews I've read. The XXXX XXXXXXXX XXXX XXXXXXXX stole over {$1400.00} from me, and venmo couldn't care less!! I can't believe this is happening to me. I can't afford this. They kept on trying to charge my card to get money off of it. If they would look at the transactions that are declined. 
There are cameras ALL OVER THAT PLACE. Why can't they request the videos of who spent this money? I know it was an employee who stole my card. This has stressed me out so much. 
I can't believe this is so hard to get my money back. I will never use venmo again after this experience. I've called twice now.. And got hung up on both times!! I will attach proof of the phone calls. I will also attach a few of the reviews I found online about this hotel stealing from other people. There are XXXX of them!! 
Please don't let this happen to me. I'm a single parent, I can't afford it!! 
How can a card company allow theft to happen?
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Consumer XXXX XXXX sent Equifax XXXX XXXX mail number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> a FTC Report number XXXX along with a deletion letter. Equifax was required as per FCRA 605B ( 15 USC 1681c-2 ) to delete these inquires no later than 4 business days after receipt. Equifax failed to delete these unauthorized inquiries. Equifax was sent USPS Certified Mail number XXXX XXXX XXXX XXXX XXXX XXXX on XXXX about XX/XX/year> FTC Report number XXXX along with a letter of unauthorized inquiries appearing on my credit report. Equifax failed to delete these inquiries and was given more than the allotted time to comply with the FCRA. DELETE THESE INQURIES IMMEDIATELY, PAY THE INVOICE FOR THE VIOLATIONS AND DAMAGES TO THE CONSUMER XXXX XXXX.
Consumer complaint received 2024-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MIDWEST RECEIVABLE SOLUTIONS LLC (MI)

Midwest Receivable Solutions, is stating that I owe them for a debt. I requested for them to send me validation and a signed contract with my signature and the signature from an employee from Midwest Receivable Solutions, showing we had a contract as well as the agreement between Midwest Receivable Solutions and l. I also asked for a break down of the debt they say I owe them. They are stating that I owe them for XXXX XXXX XXXX XXXX in the amount of {$420.00}. I reached out to XXXX and asked do they sell debt they stated no ( I'm well aware of my XXXX laws ). I could sue XXXX XXXX XXXX XXXX XXXX for violating XXXX laws. XXXX XXXX XXXX XXXX XXXX has violated multiple XXXX  laws and I have my lawyer on hand to sue XXXX XXXX XXXX XXXX XXXX for the violations of my medical rights. Also their information has not been reviewed by a lawyer.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (OH)

2 of my checks were stolen from a mailbox. The checks were changed and made out to people I don't know and different amounts.they stole {$15000.00} from my account.this happened in XX/XX/2022. The money still hasn't been returned to me. When I first filled the complaint, I turned in a police report and provided all paperwork that I was asked for. I was told that it could take up to 3 months. I am given the runaround and I had to keep turning in copies of the same carbon copies of the checks and the bills I was paying with them. I had talked to XXXX XXXX at Key Bank and XXXX XXXX in client relations XXXX. This is a lot of money to me and I just don't know what to do anymore
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAINE & WEINER COMPANY, INC. (MN)

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX XXXX Inquiry : XX/XX/2023, XXXX XXXX : XX/XX/2023, CAINE WEINER Reported : XX/XX/2023, XXXX XXXX XXXX Reported XX/XX/2023, XXXX XXXX XXXX Reported : XX/XX/2023. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Back in XXXX I received a XXXX XXXX  XXXX. I activated my card. It was advertised as a XXXX XXXX XXXX. It was also advertised that I would not need to take any further steps to use my card XXXX  This was a false advertisement. Upon XXXX XXXX XXXX XXXX XXXXXXXX my card was frozen without my consent. I spoke to a representative and they refused let me use my card. I spent several hours on the phone. Finally a supervisor approved my card use. However upon my return I was told that their advertisement was indeed false. You must have access to a phone to make purchases, even though many XXXX XXXX have no cell service. I told their fraud team that this was a serious issue as it put my physical life in danger from not being able to purchase food and lodging. She stated their company did not care about physical safety of their customers, only the digital security of their money. My life was placed in danger due to this false advertisement and bad company policy that I believe is illegal.
Consumer complaint received 2024-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

CFPB- I'm not happy with TRANSUNIONS efforts on this matter I shouldn't have to keep repeating myself. Again I fell behind and couldn't afford to make the monthly payments on the credit card due to the XXXX XXXX When Ioat my job my family and I had to stay in a shelter, so you think this is something I want to talk about no. Once I found a job I called and resolved the debt on XX/XX/2023. I'm not happy because TransUnion is holding this account over my head purposely so that I won't be able to obtain a mortgage. This is my last conversation. Next I'm moving forward with legal action enough is enough.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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.

TransUnion 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