davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (PA)

When I was reviewing my credit report, I saw that the experian credit report had a derogatory status report from XXXX XXXX  XXXX  XXXX  {$1400.00}, i had servise but it was payed by my health insurance company. This is something else wich i am not recognized which was from XXXX XXXX i called creditors and i did dispute with Experian , that account not was mine, but i could not get result, wich was satisfactory for me.
Consumer complaint received 2023-12-23
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. (IN)

I applied for an auto loan and did not give permission or consent To ANY OF THESE PLACES!!! I have no idea why my credit was ran by these places!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX were all on XXXX
Consumer complaint received 2024-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Transunion is reporting these inquiries that i didn't make, the accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MD)

On XX/XX/2023, there were four fraudulent charges made on my Barclay 's card to XXXX. I disputed the charges. I received notification that fraud was confirmed. My card was then charged for one of the charges in the amount of {$290.00}, on XX/XX/2023. I called Barclays and they indicated that XXXX provided information that the charge was made by me. I asked to provide information that the charge was not made by me. They would not accept such documentation and told me I must resolve the issue with XXXX. XXXX will not refund the amount, which I informed Barclays. Barclays will not remove the charge, nor will they allow me to show that the charge was fraudulent.
Consumer complaint received 2024-04-17
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. (NV)

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 2023-11-25
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)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XX/XX/2021, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-06-19
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. (VA)

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 2023-09-03
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 (FL)

Dealing with Hyundai Motor Finance, I had traded in my car on the XXXXXXXX XXXX XXXXXXXX and since then filled out and emailed a cancellation form to Hyundai Motor Finance XXXX. 

I received a cancellation confirmation for an " Extended Vehicle Service Contract '' & a " GAAP '' contract on the day of XX/XX/XXXX. 
For the vehicle with the last XXXX of the VIN Number XXXX Roughly, the value of the refund of these contracts is close to {$2400.00}, per my confirmation after calling Hyundai Motor Finance XXXX 

On the day of XX/XX/XXXX, XXXX confirmed that they received that amount from the selling dealer ( XXXX XXXX ) and will issue myself a refund. This amount was also reflected in my online account under www.hmfusa.com Unfortunately, they are extremely shady, and upon receiving a {$100.00} cheque from XXXX, I logged in to my account on XX/XX/XXXX, and saw that the earlier statement that showed that XXXX had received a payment in the amount of ~ {$2400.00} is no longer there. 

To top this all off, when I initially traded in the vehicle, XXXX claimed that I was unable to request a refund for these services and in fact that they do not provide a cancellation process for this matter. Only by the intervention of the dealership that purchased my old vehicle, was I able to get the ball rolling. 


I am in desperate need of the XXXX dollars and some change, and have even considered filing a small claims lawsuit due to my situation. 

XXXX will be avoided and so will their products in the future, no matter how good a deal it may sound like
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (AR)

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 Account Number : XXXX Account Name : XXXX Account Number : 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 2023-09-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (TX)

I currently hold a mortgage loan through Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX I was had automatic payments setup for twice a month. For the month of XXXX partial payment was taken out of my account and added to my mortgage account on XX/XX/14 {$540.00}. I cancelled the next auto draft because I was changing banks. Instead of Wells Fargo applying the partial payment to my mortgage, refunded it to my account or allowing me to pay the remainder {$540.00} Wells Fargo instead applied the payment to late fees without my consent, without my authorization. Those funds that were taken out of my account was strictly for principal, interest and escrow not any late/outstanding fees.
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I sent Midland credit a certified letter pertains to the fraudulently 2 collections on my credit file XXXX and XXXX. I ask for them to send me the purchase agreement regarding these collections. I have gotten no response and I want the fraudulent action to be removed from my credit files. They are in violation of the FCRA and my rights. They have been given multiple chances and have failed to comply. This is my final request!
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Consumer has sent multiple verifiable emails to company asking for payment arrangements, company is slow to respond or doesnt respond.

Consumer was finally able to reach company to make payment arrangements, consumer is paying loan, company has negative marks on consumers credit report stating charge off when consumer is paying loan after finally being able to reach someone.
Consumer complaint received 2023-07-14
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. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited XXXX checks to chase bank into my checking account in XX/XX/year> one in the total of XXXX $ and another one for the total of XXXX XXXX and they froze my account until verification, they verified the maker of the check now theyre asking for a verifiable number for the other check under another name placed in my account, they now restricted my account even though the other person whos name is on the check went in to the bank with his identification and ssc and told them it was his check and he accepted it being in my account
Consumer complaint received 2023-11-24
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. (GA)

I obtained my XXXXExperian credit report online XXXX There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Courts have given me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed XXXX XXXX XXXX has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2023-11-25
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. (AZ)

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy. 
15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX   Account Number : XXXX Please remove it from my credit report 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX XXXX Account number XXXX  Please remove it from my credit report 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX Inquiry date XX/XX/XXXXXXXX  Please remove it from my credit report 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX Inquiry  dateXXXX XXXX, XXXX  Please remove it from my credit report
Consumer complaint received 2023-09-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

In late XXXX, 2023, due to the news about the collapse of XXXX XXXX Bank, we decided to distribute our cash deposits across more banks instead of putting them in only a few banks. Attracted by the good saving rate of Citibank at that time, we opened a new saving account with Citibank and transferred a total amount of {$150000.00} from our account at XXXX XXXX to our new account at Citibank. 

About a week later, we noticed that we could no longer access all our Citibank accounts ( including our existing credit card account ). We immediately reached out to Citibank trying to find out why. After numerous phone calls with their customer service, which took approximately 7 hours in total as well as countless call transfers and even abrupt hangups, we were finally informed that our new account was under checking by Citibank. They said the reason is that they suspected fraudulence with our new account, since our new Citibank account was under the name of the husband and our existing account with XXXX XXXX was under the name of the wife. 

Citibank customer service also told us that they would not restore our new account, but would refund XXXX {$150000.00} in the form of a check within XXXX to 60 days. Therefore we waited till mid XX/XX/2023, when we still had not received our refund. After that, we reached out to Citibank customer service again. This time, they told us that they would have to wait until XX/XX/2023 to close our account, and we should get our refund approximately XXXX weeks after that, which should be mid XXXX, 2023. 

Yet until today, XX/XX/2023, we still have not received our refund. In the meantime, Citibank never tried to contact us, either about verification or update. 

We therefore demand Citibank to refund our money immediately!
Consumer complaint received 2023-12-16
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. (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 2023-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (MD)

Hello, Ive been dealing with Discover since 2021. I lost my job and was a college student at that time so I had no time to work. I still dont have a job, I managed to get support to pay it off but they sent it to collections and put a negative on my credit. I begged them to remove it and they said no.
Consumer complaint received 2023-08-31
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (VA)

XX/XX/XXXX : I disputed debt n requested verification of the debt XX/XX/XXXX : collection agency sent a word document with a breakdown of the debt not on letterhead and indicating several damages with no breakdown of cost to repair or photos XX/XX/XXXX : I disputed and requested it not to be reported to credit as valid proof wasnt provided in time under FDCPA. 
XX/XX/XXXX : coll agency received more verification from the client and the client refusal of accepting my dispute. Coll agency claims they mailed me the verification they just received. I did not receive this verification from them. 
XX/XX/XXXX : collection agency reported this to my credit saying I dispute it but it is valid under FDCPA. 
XX/XX/XXXX : Spoke with collector XXXX. She stated that she can not remove it from my credit. Its already listed as being distributed even though she acknowledged that they did not send proper verification of that until XX/XX/XXXX, which is well over the 30 days allowed under the FDCPA. She asked me, then how I intended on paying the debt even though it is disputed, and when I told her that I was still disputing it, so I wasnt going to be paying it at this time. She told me that she would know down my refusal to pay.
Consumer complaint received 2023-07-14
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. (CA)

This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

I have an account with a community bank through alphaeon credit. The account is set up with autopay to avoid worrying about the monthly payments. Yesterday, I noticed the autopay hadn't been charged for a long time and decided to log into the XXXX account to make sure the autopay was still set up. The autopay is still set up, and everything looks fine ; I noticed a balance of {$280.00}, so I decided to program the payment manually. Later that day XX/XX/2023, I received a notification from my credit report stating that the community bank reported late payments on my credit. Even though they have a bank account set up as autopay, they never contacted me via phone, mail, or email to inform me if it is any issues relating to the autopayment. Now, my credit report shows one late payment from community bank, which affects me as a consumer for my future purchases. I have tried to call multiple times since yesterday and chat with customer service, but there is no answer.