davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (OH)

Good afternoon, My name is XXXX XXXX I am financing a XXXX XXXX XXXX through Hyundai Motor finance. I created an online account in their website to make payments. the first time on XX/XX/XXXX put my bank account information for autopay the payment got declined, on XX/XX/XXXX I was able to access and correct a number that was wrong in the bank account # and make the payment I received an email saying they received my payment authorization for {$430.00} and then another email confirming I am authorizing recurring payments to that bank account. 
On XX/XX/XXXX I finally received an email with payment confirmation of the {$430.00} that I made on XX/XX/XXXX, I decided to change the due date to the XXXX so another payment for the same amount {$430.00} was processed on XX/XX/XXXX the next day I received an email the payment was processed, and then on XX/XX/XXXX Hyundai sends another email saying my payment was not processed due to Returned Item - XXXX No account / Unable to Locate Account. 
At this point I am confused and upset if the payment I made using same bank account I left on autopay on XX/XX/XXXX went through why the one on XX/XX/XXXX got rejected?, I confirmed checking my statements on my Hyundai account and my bank transactions. I called Hyundai customer service on XX/XX/XXXX around XXXX EST and asked the supervisor XXXX why did this happened why my payment got rejected and they have blocked me from making payments online via my Hyundai account. She said because I had 2 rejected payments consecutive my online account is blocked to make any payments for 90 days and that I either must pay through the phone which will incur in a fee or send checks till then. she asked me how many numbers my bank account has, I told her XXXX, she said in her system only shows XXXX we also check last XXXX numbers. Now I have taken a picture of when I made my last payment and the account I left for autopay which shows XXXX. To what it looks Hyundai Motor finance is manipulating consumer 's information to charge late fees and other. Plus the 90 days block from my account seems like a harsh penalty seeing that I have put XXXX as down payment already for this car.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I am writing to bring to your attention a matter of utmost concern regarding the unauthorized use of my personal information in the Equifax data breach. I recently discovered that my sensitive information was compromised, and as a result, fraudulent accounts were opened in my name without my knowledge or consent. 

I initiated a credit search as part of my preparation for purchasing a house, and to my dismay, I uncovered several unauthorized accounts that were falsely attributed to me. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX Account XXXX : {$400.00} ( Date : XXXX ) Account XXXX : {$830.00} ( Date : XXXX ) XXXX XXXX XXXX Account XXXX : {$1100.00} ( Date : XXXX ) Account XXXX : {$2000.00} ( Date : XXXX ) XXXX Account XXXX : {$1900.00} ( Date : XXXX ) Account XXXX : {$7400.00} ( Date : XXXX ) It is crucial to note that I was entirely unaware of the existence of these accounts, as I had not initiated any financial transactions with the mentioned institutions. The discovery of these unauthorized accounts has not only jeopardized my financial standing but has also raised serious concerns about the security of my personal information. 

I am seeking your assistance and intervention in rectifying this matter promptly. I kindly request that the CFPB investigates these fraudulent accounts, facilitates their removal from my credit report, and takes appropriate actions against the perpetrators involved in the Equifax data breach. 

Your prompt attention to this matter is highly appreciated, as it directly impacts my ability to secure a home loan and threatens the overall integrity of my financial profile. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-03-21
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. (NY)

I send several times my dispute letter thru the XXXX credit bureaus experian, XXXX and XXXX  but they still refused my letters. I STILL SEE ALL THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. The bureaus says I'M NOT THE ONE WHO SEND OUT MY DISPUTE WHICH IS WRONG. i'm the one who send it out. please delete all thee accounts an inquiries Thank you open late payment XXXX XXXX XXXX XXXX XXXX, XXXX {$10000.00} Charged Off XXXX  XXXX XXXX XXXX XXXX, XXXX {$1200.00} charged off XXXXXXXX XXXX XXXX XXXX XXXX, XXXX {$1000.00} Charged Off XXXX XXXX  XXXX XXXX. XXXX, XXXX {$530.00} closed late XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} open late XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$690.00} XXXX  XXXX  XXXX XXXX, XXXX {$1200.00} inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Charged Off XXXX XXXX  XXXX XXXX. XXXX, XXXX {$0.00} Charged Off XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1500.00} Charged Off XXXX - XXXX XXXX  XXXX XXXX, XXXX {$1000.00} Charged Off XXXX XXXX  XXXX XXXX. XXXX, XXXX {$870.00} charged off XXXX XXXX XXXX  XXXX XXXX, XXXX {$230.00} cloed late XXXX XXXX  XXXX XXXX, XXXX {$0.00}
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Duncan Solutions, lnc. (VA)

I recieved a notice from VA DMV advising that my tag renewal was frozen. I had never recieved notices from this company that I owed any tolls. I attempted to contact this company once i recieved notice from the dmv. This company without proper notice turned my account in to a collection agency, I had moved and notified the dmv of my new address, according to these people instead of checking the recent dmv records, they opted to send these so called notices to an old address. Then they attempted to extort XXXX in fees. Their collection agency attempted to bully twist facts, and outright lie, by telling me that it was a law that i purchase and use an ezpass, and then they were verbally abusive, spoke over me, and try to pursuade me that i was breaking the law. They are attempting to extort, and steal from drivers during a pandemic when no one is working, wth no remorse, no compassion, their collection practices should be investigated as no other toll company in virginia is doing this. I have reported them to the consumer board of financial protection, and the Federal Trade commission, I am not negotiating with these dishonest freeloading theives. The employees of this company made several false statements, and attempted to engage in fear tactics. Not carrying or purchasing an ezpass is NOT A CRIME, and a toll violation is NOT CRIMINAL.
Consumer complaint received 2018-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ENHANCED RECOVERY CO XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-05-08
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. (FL)

Hello. I sent out the dispute letters to all XXXX major bureaus on XX/XX/XXXX. They have incorrect info and have shared my information without my written consent. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 a. I have the right to privacy 15 U.S.C 1681 section 604 a. section 2 states consumer reporting agency can not furnish an account w/o my written consent/instructions.

( I have given no such consent/instructions ) 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency can 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 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) also Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : [ TransUnion says XXXX XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Date last active : [ TransUnion says XXXX XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Balance : {$200.00} Status : Closed I believe this information is inaccurate because the dates ect., each bureau is showing are ifferent. 



Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : XX/XX/XXXX Date last active : [ TransUnion says : XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Balance : {$890.00} Status : Closed I believe this information is inaccurate because the dates etc., each bureau is showing are different. 

I have attached copies of the following documents to support my dispute : A copy of highlighted errors/differences A copy of my ID and social security card Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : [ TransUnion says XXXX XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Date last active : Balance : {$530.00} Status : Closed I believe this information is inaccurate because the dates, etc. each bureau is showing are different. According to the consumer protection law, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be corrected or removed. I have requested the following documents regarding these ACCOUNTS : *Pay off disclosure * Interest rate disclosure *Balance history *Payment history *Credit insurance
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NY)

Citi Diamond Rewards Card I was offered a balance transfer promotion. The representative told me that I could make a payment the next day after receiving the funds into my checking account, and that the payment would be applied to the balance with the higher APR. However after making the payment, it was applied to the balance at the lower promo rate, because " the balances weren't updated yet. '' So Citi charged me 3 % for the balance transfer and is now charging me 24.99 % on my balance, which should be at a 2.99 % promo rate. I called several times and representatives told me each time they'd correct the error. However it was not corrected and I was charged interest at the higher rate. The last time I called about it, they told me this was my mistake and they couldn't correct it.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the XXXX XXXX XXXX ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-11-29
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. (FL)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX  Delete From My CREDIT REPORT 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Delete From My CREDIT REPORT 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX, FL XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Over the past year I have disputed these accounts on my credit profile. These accounts do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

This is our second complaint. Nationstar Mortgage promised on  XXXX   XXXX  to expedite our refund - the woman on the phone told us they were sending the refund TO US. Now, they say they 're sending it to the new mortgage holder with whom we have no relationship at this time. This is entirely unacceptable and is theft.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. I have report a complaint over this account that was never verified : XXXX XXXX XXXX  XXXX Account Status : not accurate showing as open account. XXXX Terms Frequency : missing information. XXXX Account XXXX : is not accurate this account was reported as fraudulent over 3 years ago. Please delete this account at once. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to file a formal dispute and request the Consumer Financial Protection Bureau 's intervention regarding recent unauthorized credit inquiries and violations of consumer protection laws. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking resolution to this matter. 

Below, I outline the unauthorized inquiries and the specific violations of the FCRA : Unauthorized Credit Inquiry by XXXX Creditor : XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Credit Inquiry Relevant FCRA Section : Section 604 - Permissible purposes of consumer reports I have no recollection of ever authorizing the credit inquiry made by XXXX on XX/XX/XXXX. This inquiry was conducted without my knowledge or consent, and it has raised serious concerns about the security of my personal financial information. 

As a diligent individual who takes my financial responsibilities seriously, this unauthorized intrusion into my credit history has caused profound distress. The violation of my privacy undermines the trust I have in the financial system and jeopardizes my financial well-being. 

To provide a more comprehensive understanding of the impact this violation has had, I would like to share a personal story that underscores the significance of accurate credit reporting. A few years ago, I faced unexpected medical expenses that led to a temporary financial setback. However, I took proactive steps to address these challenges, working directly with my creditors to establish manageable payment plans. Despite my commitment to financial recovery, the unauthorized inquiry now threatens to undermine my progress. 

In light of these violations and their emotional toll, I kindly request that the Consumer Financial Protection Bureau enforce my legal rights under the FCRA. Specifically, I request that you investigate the unauthorized credit inquiry made by XXXX on XX/XX/XXXX, and take appropriate action to rectify this situation. 

Furthermore, I am troubled by the presence of unverified accounts on my credit report. These accounts lack proper verification and inaccurately reflect my financial history. I kindly request that the relevant creditors remove these unverified accounts from my credit report to ensure its accuracy and fairness. 

I deeply appreciate your attention to this matter and your dedication to upholding consumer rights. I kindly request that you keep me informed about the progress of this dispute and any actions taken to resolve it. Please feel free to reach out to me via the contact information provided above. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX