davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have a late payment from XXXX I requested a copy of my disbursement from earlier of this year. I am in the middle of a refinance for my property and this Late payment is holding me back. I am requesting the removal of the 30 late payments.
Consumer complaint received 2024-04-14
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, CXXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Reference NY # 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 According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (AZ)

In XX/XX/XXXX, my son, XXXX XXXX, was evicted from his apartment for a noise complaint and for having a friend staying with him too long. He was paid in full through XX/XX/XXXX and I was the guarantor paying the rent. The complex is XXXX XXXX XXXX University XXXX | XXXX | AZ | XXXX He vacated his apartment on XX/XX/XXXX and moved elsewhere. 

On XX/XX/XXXX, I was emailed an accelerated rent payment statement for rent through XX/XX/XXXX plus several days of late payments for XXXX. I had previously communicated with XXXX the representative for the parent company of XXXX multiple times via email because he kept asking me to pay the rent even though XXXX wasnt living there anymore. I didnt understand why they were billing me even though they confirmed he had been evicted and had cooperated and left timely. They confirmed this. 

I was then sent a statement again by XXXX for a balance of {$4000.00} with a message from XXXX that I was being sent to collections for accelerated rent payments. I emailed him back and told him that the practice violated AZ housing regulations and disputed the charges. 

Now I am receiving aggressive calls from a group called XXXX XXXX XXXX from phone number XXXX. There have been at least two different callers ( XXXX and XXXX XXXX who call me every day. Today I tried to speak to XXXX to get to the bottom of this but she kept demanding I provide my social security number and other sensitive information before she would give me details, and when I refused to give her details she hung up on me. 

I think that XXXX and these other people are trying to commit identity theft and scam me and my son out of {$4000.00}, even though they can not provide any explanation as to why we owe anything. 

Please advise what we can do to make this scam and harassment stop.
Consumer complaint received 2024-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (VA)

New vehicle purchased on XX/XX/XXXX and financed through Hyundai Motor Finance ( HMF ). This loan was refinanced through another lender and HMF was paid off ( and acknowledged by HMF ) on XX/XX/XXXX. HMF policy ( per their website ) is to release the title after five business days. Virginia Law says that the title must be released within ten days after the lien is satisfied. It is now XX/XX/XXXX and the new lender has not received the title. HMF has acknowledged that title release is their responsibility but is unable to answer as to why they have not been able to fulfill their legal duty nor as to when and how they will do so.
Consumer complaint received 2018-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (PA)

telephone # XXXX called saying I owed to XXXX so I wrote check out and mailed for Synchrony. Thought nothing of it because I had XXXX card. Month later got call saying I owed {$110.00}. Knowing I didn't, and researched and Synchrony was not my Credit Card bank, but XXXX was. I am not going after my first payment, but wanted to let more people know how you can easily be scammed.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CO)

Please note, the closing of my account was immediately preceded by me reporting a different account as fraudulent. I have included both issues in the timeline. 

Amount in account : {$900.00} XX/XX/2023 - I reported a fraudulent account that was using my email mask. 
- Chime put a hold on my real account. 
- I emailed Chime proof of identity. 

XX/XX/2023 - Account still on hold, no updates. 
- Fraudulent account still open. 
- Sent Chime additional information about the fraudulent account. 

XX/XX/2023 - Account still on hold, no updates. 
- Fraudulent account still open. 
- Received emails from Chime directed at the fraudulent account. 
- Forwarded Chime the emails directed at the fraudulent account, re-describing the situation. 

XX/XX/2023 - Account still on hold, no updates. 
- Fraudulent account still open. 
- Emailed Chime a complaint about lack of updates and poor call center customer service. 

XX/XX/2023 - Account still on hold, no updates. 
- Fraudulent account still open. 
- Received emails from Chime directed at the fraudulent account. 
- Emailed them again about the fraudulent account situation. 

XX/XX/2023 - Informed by email that my account was officially closed on XX/XX/2023, and that I would be reimbursed within 30 days. 
- Fraudulent account still open. 
- Asked Chime about why my account was closed and re-described the situation about the fraudulent account. 

XX/XX/2023- Account closed, no updates. 
- Fraudulent account still open. 
- Received a response re-informing me my real account was closed. 
- Asked Chime again about the fraudulent account. 
- Received a response re-informing me my real account was closed. 

XX/XX/2023- Account closed, no updates. 
- Fraudulent account still open. 
- Received an email from Chime directed at the fraudulent account. 

XX/XX/2023- Account closed, no updates. 
- Fraudulent account still open. 
- Emailed Chime about the fraudulent account. 
- Posted about them on XXXX stating I was going to report them. 
- Finally received a response in my email from their social media team about the fraudulent account. 

XX/XX/2023 - Fraudulent account closed 40 days after I first reported it. 
- Real account still closed, no updates. 

XX/XX/2023- Account closed, no updates. 
- Emailed Chime asking for updates. 
- Received basic " 30 days '' email. 

XX/XX/2023- Account closed, no updates. 
- Emailed Chime asking for updates. 
- Received " we're making progress '' response. 

XX/XX/2023- Account closed, no updates. 
- Emailed Chime asking for updates. 

XX/XX/2023- Account closed, no updates. 
- Emailed Chime asking for updates. 

XX/XX/2023- Chime emailed me asking for proof of identity. 

XX/XX/2023 - Emailed Chime copies of IDs and a signed Affidavit of Identity. 
- Received copies of my bank statements. 

XX/XX/2023 - Emailed Chime asking for updates.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-05-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (PA)

During the pandemic Sallie Mae refused to help me with my loan payment and forbearance, they lied to me multiple times telling me if I paid a certain amount they would catch up my account. There was a time in XXXX  where I paid over XXXX in XXXX month to catch up and they still continued to report my account as late 11 times on my credit!!!!! Sallie Mae does whatever they want and abuses people with their insane interest forces people to pay insane rates in which their balance will never be paid off. I was not educated when I took this loan out how severe the interest was and then on top of that they can ruin people by reporting they were late 11 times when I made multple calls to try to catch up and paid a ton of money to catch up. Sallie mae needs to remove the late payments from my credit 11 times or I am filing a class action against them for many reasons
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have been disputing this account Bankruptcy Case number ( XXXX ) on my credit file with proof for 12 months with Experian, XXXX with the investigation coming back as verified each time. 15USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) 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 crime which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has been reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case included. I have a letter from the court stating they don't report to credit bureaus have a letter from lexis nexis saying the bankruptcy was deleted from their report so how can Experian and XXXX could have done a proper investigation. I sent same information to XXXX and they removed the item from my credit file.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I send the FTC affidavit with the police reports and this accounts and inquires listed are fraudulent and I demand to be removed right away. i also filed a complaint with the CFBC for the not removing this account in XXXX within the time allowed by law. 

Accounts XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I ask for a payment due date change XXXX XXXX XXXX I requested for it to be changed to the XXXX XXXX every month. Capital one stated it would take one billing cycle. I contacted them today and they stated they could not change the due date. That is unacceptable, when the system approved it online. I am getting paid once a month and it must be changed. I can not have any bad credit such as late payment on my credit. They must honor my request respectfully. Thanks
Consumer complaint received 2024-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NE)

This is the second time I have made a large payment towards my student loans with EdFinancial that was taken out of my bank account. However, they have not posted the payment on the website and my principal balance was never decreased. They give me the run around each time I try to reach out for answers. Please help me! Thanks.
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Balance {$9300.00} Original Payment : {$41000.00} Account Charge off. {$38000.00} In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

The following information is derogatory account allegations are UNTRUE, UNVERFIED, INCORRECT, UNTIMELY NOTPROVEN COMPLIANT 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681a ( 2 ) ( B ) reports containing information soley as to transactions or experiences between the consumer and the person making the report.

15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Account Name XXXX XXXX XXXX XXXX XXXX  ALREADY PAID IN FULL AND NEVER LATE, NOT MY DEBT This is XXXX XXXX false info below : Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$8400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$8400.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX XXXX