davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

HMF is fully aware the vehicle was paid off as stated in the response " The invoice was not paid in full until XX/XX/XXXX ''. Please note that this is an admission it was paid in full, and the issue at hand was the check was delayed within their departments for an extended period of time. Please amend my credit report charge off now, for as I said, I do not want to escalate this any further than to have your error removed from my records. Thank you. 

We had no bill due until XXXX XXXX XXXX. ( XX/XX/XXXX ). As you can see in their response it was paid in full on XX/XX/XXXX. 
I will attach the document of the account. 
This was not a write off, and we made no late payments. 

I only want the above statements to be remedied and addressed. The last claim response stated we didnt make advance payments when I never said we did. I said we made payments even when the car was not in our possession and deemed a total loss at no fault of our own. They simply deflected the issue at hand. Im not playing the blame game but Hyundai is well aware of their recalls and mailed us a separate agreement. I have never seen that invoice. That was our previous address, which they are aware of as thats where they sent our agreement letter. They are more than welcome to send a copy of that letter if they wish to continue this back and forth. We chose to be good people and just wanted this matter situated but they continue to make it difficult.
Consumer complaint received 2024-02-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

The 4 year statute of limitations are up in the state of Pennsylvania. Its also pass the 7 yr statute of limitations. I dispute the accuracy of this account. I want to cease and desist because Midland Credit Management , Inc is not authorized to collect any debt in Pennsylvania. Theyre not registered to do business in the state of Pennsylvania XXXX
Consumer complaint received 2023-05-15
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. (IL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-09-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC. (IL)

My vehicle was repossessed on Saturday and on Monday morning I tried to call and figure out how much I was behind and what I could pay to retrieve the vehicle. They stated they could not give me any information till Wednesday and they need me to surrender my car keys to the towing company within XXXX hours or they will make new keys and charge me for them. I stated I wanted my vehicle back and would pay whatever I needed to but they continued to say they will not give me any type on information till Wednesday. I asked to speak to a supervisor and the gentleman was very rude and pretended not to hear me then hung up on me. 
Further more I think the XXXXXXXX XXXX XXXX XXXX XXXX license is no longer active in Indiana. I feel like theyre doing this to me because I am young and XXXX and to top all this off I am pregnant and this is causing major stress to my baby and this is causing me to miss my doctor appointments. 
Also my vehicle loan has been paid more than 50 % and I owe less than XXXX on the car.
Consumer complaint received 2023-08-30
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: Experian Information Solutions Inc. (NY)

I DO NOT RECALL OR RECOGNIZE ANY OF THESES HARD INQUIRIES : 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 2024-05-16
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: BMO Bank, N.A. (AL)

I received a credit alert from XXXXXXXX XXXX XXXX on XX/XX/XXXX ( Midday between XXXX ) stating that a Hard Credit Pull was initiated by BMO Bank N.A XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX. I attempted to contact the bank to find out why the hard pull happened and was sent to a XXXX requesting an account # ( I don't have an account number because I do not have any association with BMO Bank N.A . ) without any further help.
Consumer complaint received 2023-09-01
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$66.00} ; XXXX XXXX  Balance Owed : {$350.00} XXXX XXXX XXXX XXXX  Balance Owed : {$7100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$470.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$390.00}.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (TN)

Applied to bank and my application was " lost '' for several weeks until i was told that i needed to reapply. Did so, deposited XXXX USD into the account. Opened a new savings with a different bank, attempted to withdraw XXXX from laurel road over to wells fargo account also under my name. Account was locked with no written notice, no email, no phone call or any other communication. Bank still will not give me a specific reason the account was locked even after escalation. Account now locked for XXXX business days ( XXXX normal days ) and was asked to give up to XXXX business days for an unspecific " review '' of my account before i can withdraw my funds.
Consumer complaint received 2023-11-01
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: Chime Financial Inc (CA)

I AM A VICTIM OF IDENTITY THEFT. I AM A VICTIM OF XXXX XXXX BREACH! 
1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and FICO.

5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MO)

New Info_ Complaint : This isn't a Duplicate Complaint : FTC complaint attached. 

XX/XX/year> I contacted Citi Bank ( Card holder for the Home Depot ) before XX/XX/year>, regarding a fraudulent account created by an unauthorized person in my name. Despite my request, they delayed closing this account until XX/XX/year>. I demand the immediate deletion of this account from my credit report as I have no knowledge of it. THD/ CBNA # XXXX I contacted the Home Depot and they confirmed this card was used without my consent. There's no record of my name, email, address or phone number being associated with these purchases.

This has now had a negative effect on my credit, taking my score below XXXX in just one day. I've attached a copy of my FTC report filed, XX/XX/year> when my score was still XXXX. As of XX/XX/year> it dropped to XXXX solely as a result of this fraudulent account being reported closed instead of being deleted.
Consumer complaint received 2023-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (WA)

The debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree to and I never signed anything or even know what the account was for. The 5 step validation procedure wasn't performed and according to the FDCPA I'm entitled to {$1000.00} per violation as my rights were clearly violated.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: DISCOVER BANK (PA)

Discover bank allowed someone to open 5 checking accounts in my name. I received a notice in the mail XX/XX/XXXX for a joint acct with a person name that I never heard of or know in my name. I called discover to dispute this. XX/XX/XXXX I received another notice from Discover from their investigation 5 accounts were opened without my knowledge. How do you allow someone to open five accts in my name!!! I received another notice in XX/XX/XXXX about the accts they said was closed. Discover didnt close the accts that was unauthorized in my name. I asked where was the information being sent, where did these accts get opened, when did these accts get opened and what name was used. Discover couldnt provide that for me. I have alerts on all 3 credit bureaus for identity theft on my acct since XXXX. How did a big company like Discover bank miss the alerts!!
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Someone has used my personal information to open XXXX loans and XXXX credit card under my name which are now reporting on my credit. I do not know who used my information but these accounts must be removed from my credit report! 

I am filing the necessary paperwork in order for my request/demand to be made. The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$15000.00} ( CREDIT CARD ) XXXX XXXX XXXX XXXX XXXXXXXX {$25000.00} ( LOAN ) XXXX XXXX XXXX XXXXXXXX {$25000.00} ( LOAN ) These three accounts are unauthorized and were not open by me. They must be removed from my XXXX, XXXX, and Equifax credit reports!
Consumer complaint received 2023-09-25
Product: Credit 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: CITIBANK, N.A. (TN)

In XX/XX/2023 I received my first bill from a Citibank AAdvantage Credit Card ( last XXXX of card XXXX ). On the bill there were XXXX charges of {$5.00} from XX/XX/XXXX and XXXX charges from XX/XX/XXXX for {$5.00} to a XXXX XXXX XXXX XXXX XXXX. I immediately reported these charges as fraud and closed my account. Since then, I am still receiving bills from Citibank claiming I have a past due amount and late fees totaling near {$100.00}. I have filled two more fraud reports on the same issue, first one on XX/XX/XXXX at XXXX XXXX and again on XXXX XXXX at XXXX XXXX Citibank is still sending me bills without letting me know anything about the fraud report that I have filed 3 times now.
Consumer complaint received 2023-11-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (MI)

MyLoanCare LLC purchased my mortgage several years ago ( XXXX ) and I have made all payments on time using the online payment. Now when I attempt to access the company 's website, I states that the page no longer exists. I have attempted to access the website using multiple devices from various internet sources, and I am still not able to access to pay my loan. This issue started XX/XX/XXXX I called the customer service number that was provided with old paperwork and only receive a busy signal. 
To my knowledge, my mortgage has not been sold to another company. 
I just want to pay my bill and keep my house
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NAVY FEDERAL CREDIT UNION (FL)

ON MY ACCOUNT THERE WAS A NAME XXXX XXXX WAS ADDED TO MY ACCOUNT WITHOUT MY CONSENT ALSO THERE WAS CHARGES RACKED UP ON THE ACCOUNTS AND I DID NOT ADD THEM TO MY ACCOUNT IN TRYING TO WORK WITH THE BANK TO REMOVE THE NAMES AND FIX THE AMOUNT ON THE ACCOUNT ENDING IN XXXX {$20000.00} ALSO ACCOUNT ENDING IN XXXX {$10000.00} IN CHARGES WE DID NOT MAKEON THE ACCOUNT IT WAS ALL MADE BY FRAUD PERSON AND WANT EVERYTHING TO BE REMOVED FROM THE ACCOUNT. THERE WAS UNAUTHORIZES CREDIT CARD CHARGES ON THE ACCOUNT, ALSO SOMEONE WAS ADDED TO MY ACCOUNT WITHOUT MY PERMISSION I TOLD THE CRDIT CARD COMPANY AND THEY ARE NOT TRYING TO FIX THE FRAUD ISSUE. IDENTITY THEFT WAS TAKING PLACE ON MY ACCOUNT PHONE NUMBER EMAIL ADDRESS SOCIAL SECURITY NUMBER DATE OF BIRTH WAS USED TO MAKE FRAUDULENT CREDIT CARD IN MY NAME IT WAS ALL MADE BY FRAUD PERSON AND WANT EVERYTHING TO BE REMOVED FROM THE ACCOUNT AND CLOSED ACCOUNTS.
Consumer complaint received 2022-11-25
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Someone has used my personal information to open 2 loans and 1 credit card under my name which are now reporting on my credit. I do not know who used my information but these accounts must be removed from my credit report!

I am filing the necessary paperwork in order for my request/demand to be made. The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$15000.00} ( CREDIT CARD ) XXXXXXXX XXXX XXXX XXXX  XXXX {$25000.00} ( LOAN ) XXXX XXXX XXXX XXXXXXXX {$25000.00} ( LOAN ) These three accounts are unauthorized and were not open by me. They must be removed from my XXXX, TransUnion, and XXXX credit reports!
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I have disputed information several times and each time my credit report gets updated with meets FCRA requirements, consumer disagrees Its not a disagreement if it is illegal. 

15 U.S.C 1681-Congressional findings and statement of purpose a. ) Accuracy and farness of credit reporting -Congress makes the following findings : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

Privacy act of 1974 ( 5 U.S.C 522a ) safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices '' under 5 U.S.C 522a, anyone who knowingly and willingly requests or obtains any record concerning an individual from an agency under false pretense shall be guilty.

failure to comply with any provision of this Section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual ; the individual may bring a civil action against the agency and the district courts of the united states shall have jurisdiction in the matters under this provisions of this subsection. 

15 U.SC. 6802-obligations with respect to disclosures of personal information a financial institution may not, directly, or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information-unless a financial institution clearly and conspicuously discloses to the consumer in writing or via electronic form or other form permitted by the regulations prescribed under this subsection 6804 of this title.

according to the IRS a charge off is considered a certificate of indebtedness, which means it is income it must be removed.

The law also states it is illegal to report transaction history. All hard, soft and promotional inquiries must be removed. 

failure to delete the disputed will result in a report to FTC for identity theft and legal action
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX has sent Transunion credit reporting agency information that my account is not closed. My account is open and has 11 months of on-time payments. XXXX XXXX updated Transunion on XX/XX/XXXX, XXXX.. Transunion has not updated my credit report. Therefore, my credit score is in jeopardy and has decreased astronomically.. If Transunion does not update my records soon, I will have no other choice but to file a lawsuit.
Consumer complaint received 2016-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MI)

You closed a complaint without getting MY response! 

The complaint is compounding itself and there is no way any real human can contact you by phone without losing their sanity ( then again, being a government entity, that is not unreasonable as nothing government does is meant to " help '' the common man - sorry for the editorial ). 

The original complaint number is XXXX. Nationstar mortagage of XXXX was insisting I pay an additional $ XXXX to " facilitate the release of funds '' from a " frozen account ''. The frozen account being frozen by them and the funds being held were ones designated originally for my mortgage. Paying additional money to free my payment sounds to me more like " extortion '' ( now we have a term government officials may be more accustomed to ). Furthermore, I made my payment due XXXX XXXX on XXXX XXXX and have been told that they received that payment but applied it for XXXX. I have NEVER missed a payment! I have NEVER been LATE with a payment. So, how could my payment meant for XXXX be missing? Somehow, with all the XXXX of setting my funds in privately held " escrow accounts '' without crediting my original account, a payment has gone missing on the part of Nationstar Mort. I have all the cancelled checks and should be " up to date '' as of the XXXX payment. My next payment is due XXXX XXXX, 2016. 

Please pursue this course, the complaint is NOT CLOSED! 

XXXX XXXX PS I prefer not to use the computer as much as it may be easier than reading my handwriting. I pride myself on not having " physician handwriting '' and would appreciate having a proper phone contact ( as much as you may prefer to not hear from me ) -not a machine bent on improbable circles of input. I will follow up with Senator XXXX office, as they had been the origin of this complaint.
Consumer complaint received 2023-05-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My filled complaint was closed without providing me the results of investigation. Again I am disputing these items and wanted them to be removed from my report. Here are the accounts appearing XXXX XXXX XXXX XXXX.