davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (FL)

On XX/XX/XXXX I leased a new XXXX  XXXX XXXX XXXX replacing my existing Lease for a XXXX XXXX XXXX. With 2 payments left I agreed with the dealership XXXX XXXX  in XXXX that I will take care of 1 payment and they will pay for the next one. Not eve 15 days ago we received a bill from Hyundai Motor Finance telling us that we owe XXXX. We are calling since then to contact some one in both Hyundai Motor Finance and XXXX XXXX. Today they finally answer at Hyundai Motor Finance and an agent named XXXX said that is nothing they can do. At this point they reported me to the credit bureauowhile I'm in the process of closing in a new home. These times with covid has been difficult and this company in specific is getting our business and doing this process all wrong. 
This is no the first time it happens with them. Back in XXXX we had the same issue.
Consumer complaint received 2018-10-21
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: EQUIFAX, INC. (SC)

XXXX Equifax and XXXX continues to PARROT unverified inaccurate information on my CRs they maintain. On this date XXXX XX/XX/2018. XXXX   and Equifax updated my CR re-investigation as verified while these 2 letters sent to me by XXXXXXXX XXXX on XXXX XX/XX/2018 validates my point that XXXXXXXX XXXX   CAN NOT or WILL NOT provide CONTRACTS BEARING MY SIGNATURE obligating me to pay the debt and is requesting additional information from me. I HAVE NOT CONTACTED XXXXXXXX XXXX REQUESTING A FRAUD INVESTIGATION. XXXXXXXX XXXX is attempting obtain information from me to verify accounts that DONT belong to me. As of XXXX XX/XX/2018 XXXX   Equifax and XXXX continues to PARROT unverified inaccurate information from XXXXXXXX XXXX violating FCRA guidelines on fair reporting of consumers information. XXXX Equifax and XXXX has NOT sent requested information provided to their companies by XXXX XXXX that they use to continue verifying my CR.
Consumer complaint received 2023-11-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address an ongoing issue concerning my credit report, specifically the continued existence of fraudulent accounts despite repeated efforts on my part to rectify the situation. This matter has caused significant distress, and I am seeking your assistance in resolving it promptly. 
Account Information : Creditor : XXXX - CARD SERVICE XXXX PLEASE DELETE!!! 
XXXX  - CARD SERVICE XXXXPLEASE DELETE!!! 

I have previously submitted documentation and dispute letters regarding the fraudulent nature of the mentioned account. Despite my diligent efforts, these fraudulent entries persist on my credit report maintained by your bureau. This situation is both frustrating and alarming, as it not only negatively impacts my creditworthiness but also questions the effectiveness of the credit reporting process. I have also made repeated attempts to escalate this matter through the appropriate channels, but the issue remains unresolved.
Consumer complaint received 2018-10-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have contacted the company several times trying to figured out exactly what this matter is and but before they would give me any information they want me to give them my full social security number over the phone which I am not comfortable with doing. There are two accounts listed with this company and they wont do anything but tell me I have to pay or the next step is court. Ive disputed these two accounts with all three credit bureaus however it remained on my credit reports.
Consumer complaint received 2024-05-15
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: BARCLAYS BANK DELAWARE (LA)

On XXXX, booked a room with XXXX XXXX in XXXX, XXXX after a tornado occurred where I lived. I booked it for 2days, but upon arrival and it was not told to me upon booking, I would have to pay cash, and my credit card through Barclays was charged {$120.00}. I paid {$76.00} to XXXX XXXX for the stay on XXXX, and I didnt stay on XXXX, because I didnt have cash for the second night, but my credit card was charged for both nights. They are overcharging me for two nights when I paid for the one night I stayed there in cash. Barclays has ruled in their favor, and that is fraud, that my credit card has been charged the full amount, plus they received cash for my stay, they are double dipping on people and I also called Barclays that night of my arrival, and found out I had to pay cash, and talked to a representative named XXXX and she talked to the hotel directly and she informed me I would be refunded the {$76.00} on XXXX, but wasnt, so I was charged {$120.00}, as well as XXXX, and this is fraud and that business should be reprimanded, and Barclays should be made to remove the charge of XXXX, be removed from my card.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX Is a Account that is being reportered as a Charge card for XXXX and Revolving for XXXX while not being reported at all for Transunion, and is ruining my credit, This account is also not accurate in being reported across all 3 credit bureas, This account is being shown as having 3 late payments on XXXX, XXXX, and XX/XX/2023 on XXXX while not having any late payments according to XXXX, Balance was last updated on XXXX XXXX for XXXX and XXXX XXXX for XXXX, Past due amount according to XXXX is {$15.00} while according to XXXX it is {$5.00}, This account is extremly innacurate, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. 

XXXX XXXX for XXXX, XXXX XXXX XXXX for XXXX, XXXX for Transunion is the same account being reported extremly inaccurately, For both XXXX and XXXX the account number is being reported as " XXXX '' While for Transunion it is being reported as " XXXX '', For XXXX there is no balance displayed while for both XXXX and Transunion it is being reported as {$0.00} balance and 100 % being paid off, For XXXX the account type is displayed as " Secured Loan '' while for both XXXX and Transunion it is being displayed as an Installment account. There is no balance update date for XXXX while for XXXX it is being reported as last updated on XX/XX/2023, And as for Transunion balance updated last XX/XX/2023, For XXXX there is a late payment on XXXX, XXXX, and a XXXX  on XXXX of 2023, For XXXX there is 2 late payments being reportedon XXXX, and XXXX of XXXX, for Transunion there is 2 late payments being reported on XXXX of XXXX and XXXX of XXXX, This account is extremly innacurate, The Contact info displayed on the XXXX report is different than both XXXX and Transunion This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (GA)

On XX/XX/2023, I got a notification from my Apple card account that a purchase transaction took place on XXXX at around XXXX XXXX. I immediately contacted Apple they filed an investigation in which my physical card was canceled ; today, it has been ten days since the incident I have not received or been notified that a new card has been shipped. Also, bear in mind this entire conversation is by text message, not phone with a live person. I contacted customer support over the phone ; They explained that they do not automatically order new replacement cards. The support team told me you had not paid my bill for the month ; my response was no ; I reported for fraud and have not gotten a replacement card. I am not 30 days delinquent on this. I am concerned about making a payment with a new card being ordered and shipping for replacement prior to payment.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It states a consumer reporting agency can not flourish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-10-21
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. (SC)

Experian XXXX and XXXX continues to PARROT unverified inaccurate information on my CRs they maintain. On this date XXXX XX/XX/2018. Experian and XXXX updated my CR re-investigation as verified while these 2 letters sent to me by XXXXXXXX XXXX on XXXX XX/XX/2018 validates my point that XXXX XXXX CAN NOT or WILL NOT provide CONTRACTS BEARING MY SIGNATURE obligating me to pay the debt and is requesting additional information from me. I HAVE NOT CONTACTED XXXXXXXX XXXX  REQUESTING A FRAUD INVESTIGATION. XXXXXXXX XXXX is attempting obtain information from me to verify accounts that DONT belong to me. As of XXXX XX/XX/2018 Experian XXXX and XXXX continues to PARROT unverified inaccurate information from XXXXXXXX XXXX violating FCRA guidelines on fair reporting of consumers information. Experian XXXX and XXXX has NOT sent requested information provided to their companies by XXXX XXXX  that they use to continue verifying my CR.
Consumer complaint received 2018-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

" " '' I have disputed this Account XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$770.00}. 

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Consumer complaint received 2018-10-21
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: FIDELITY CAPITAL HOLDINGS, INC (LA)

I lived with an XXXX ex for like 2 weeks at an apartment. He XXXX XXXX the last time and I left. I was never on the lease or signed or anything like that. The apartment people have sold my info to a company that refuse to validate the debt and refuse to remove it off my report.
Consumer complaint received 2018-10-20
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: EQUIFAX, INC. (VA)

Despite multiple requests, the unverified item with XXXX XXXX, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted XXXX XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX XXXX has told me I never had late payment with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2023-05-10
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. (FL)

Upon reviewing XXXX XXXX XXXX co response to my complaint I noticed XXXX XXXX XXXX co statements were in violations with the FCRA. XXXX XXXX XXXX costated stated that XXXX XXXX XXXX co must provide complete and accurate information to the CRA. As XXXX XXXX XXXX reviewed my consumer report I underlined multiple unacurate and incomplete information provided by the XXXX XXXX XXXX co to the consumer reporting agencies. I have attached a copy of my consumer report to this complaint as proof. Also XXXX XXXX XXXX co failed to provide me XXXX XXXX the consumer documentation stating that I XXXX XXXX authorized XXXX XXXX XXXX co to report transactions to the credit reporting agencies. XXXX XXXX XXXX co stated that I XXXX XXXX requested to report a ( {$0.00} ) XXXX balance to the consumer reporting agencies that also is false.I XXXX XXXX will NEVER tell any creditor to lie and or go against any FCRA guidelines.I XXXX XXXX requested XXXX XXXX XXXX co to DELETE all unacurate, incomplete and unauthorized transaction from my consumer report.
Consumer complaint received 2023-05-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc. (KY)

I used the Afterpay service to finance a line of credit to purchase a product from a third-party merchant. I placed the order on XX/XX/XXXX, and immediately the merchant emailed to let me know the item was out of stock so they were cancelling the order, and I wouldnt be charged. However, on XX/XX/XXXX I realized that Afterpay was still holding the {$140.00} on my account with them, and which I had already made my first installment plan payment of {$45.00} on XX/XX/XXXX. The merchant said that the {$140.00} authorization hold should have been dropped off by now, seeing as it usually only takes 24-48 hours, and that they never charged Afterpay the {$140.00} for the order, since it was cancelled. However, each time I contact Afterpay they have said that they are waiting on a refund from the merchant to which Ive repeatedly explained that there is no refund being issued by the merchant, because the merchant never charged the {$140.00} for the order. Afterpay then said they will have until XX/XX/XXXX to refund the {$140.00} balance to my account, 8 days after the order was cancelled. This issue should have been resolved by afterpay on XX/XX/XXXX, as the authorization hold should not have remained past 48 hours.
Consumer complaint received 2024-04-12
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

In XXXX XXXX XXXX I made my mortgage payment 29 days late. Payment is due on the 1st of the month, I paid it on the XXXX of the month. Now, the lender is showing me as 30 days delinquent on my credit reports for my XX/XX/2020 payment status. 
The payment due was {$340.00}, and I made a payment of {$350.00}. 
The FCRA is clear on this matter : payments must be applied on the date received, not on the date posted. 
Therefore, the lender is in clear violation of the CFPB. 
I have disputed this issue with the lender previously. They refuse to update and remove the delinquent payment reporting. I have also disputed this with the credit bureaus, they say that they can not change the reporting unless the lender changes the status and updates them. 
NOTE : The lender at the time of the matter in dispute was XXXX XXXX Sometime after this incident, XXXX XXXX  bought out XXXX XXXX Sometime after that, XXXX XXXX  bought XXXX XXXX XXXXXXXX XXXX is the current lender who refuses to change the incorrect status of this report.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (OH)

I sent a dispute on XXXX and XX/XX/2023. I wrote them because I discovered after I obtained a copy of my Experian credit report that they are reporting inaccurate, unverified, and also incomplete information in reference to my personal information and also 2 XXXX XXXX XXXX XXXX  XXXX Aand # XXXX. Experian has claimed that the information was verified and meets FCRA requirements but has not provided me with proof that the investigation they completed was Fair, Impartial, and Reasonable and that they did not solely rely on information from the Furnisher because that is a violation of the FCRA 15 U.S. Code 1681i. I have asked for the procedure used to verify these accounts and Experian has failed to do so. Experian is also reporting an inaccurate and mathematically impossible payment history of this account. I was never late on these accounts and the information that Experian is willingly and negligently reporting on my credit report has not only damaged my reputation but has damaged my creditworthiness and my ability to access credit resources as I support my way through college.
Consumer complaint received 2023-05-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I do not have any accounts, personal or business with bank of america but there is a hard pull on my credit from XX/XX/2022 that I would like to get removed from my credit report please.
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (CA)

I rediscovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-20
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. (IN)

recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was never been late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced acount and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]