davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HYUNDAI CAPITAL AMERICA (NJ)

On XX/XX/ I have sent a letter to Kia XXXX XXXX to provide proof regarding the late payment. the Congress pursuant 15 U.S. Code 1666b - Timing of payments, states that the creditor may not treat the payment late unless the creditor sent the consumer all the information required under 15 U.S. Code 1637 ( b ) - Open end consumer credit plans 21 days before due date. I have requested from Kia XXXX XXXX a proof that all the required information by law was sent 21 days prior to due date or remove the late payment as per FCRA if the information is incorrect or unverifiable then it can not be reported to the Consumer Reporting Agencies as well as pursuant 15 U.S. Code 1681a ( 2 ) ( i ) - Definitions ; rules of construction the consumer report does not include the transactions and experiences between " Consumer '' and " Person ''. Kia XXXX XXXX violated several FCRA laws by not obeying them and replied with some " Erroneous '' responses which I will be attaching to this complaint. On XX/XX/ Kia XXXX XXXX responded with letter that the information is accurate but it is defiantly was not proof required by law. I have sent them my second letter on XX/XX/ giving them a final opportunity to resolve the matter but they ignored it and again failed to provide information set by Congress.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

XXXX, Equifax and XXXX have reinserted XXXX of the items, Bank XXXX XXXX and XXXX XXXX, that were reported on my identity theft report stating that they were certified as valid by the furnisher. XXXX of the XXXX fraudulent accounts was removed and has not been reinserted. The attached packets contain all information related to this case and have been sent to XXXX, Equifax and XXXX. The XXXX CRA 's are all reporting different information, are violating my privacy by reporting these items and have yet to produce any proof that these accounts are mine. I have been denied credit on XXXX occasions this last month because of their errant reporting of these items.
Consumer complaint received 2017-03-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (CA)

Discover Bank charged me {$30.00} to send an outgoing wire, only to reverse the transfer 8 days later, {$42.00} less and no good explanation. 

On XX/XX/<YYYY>XXXX/2017, I initiated an outgoing wire in the amount of {$120000.00} from my Discover Bank account to a XXXX bank account. Discover bank deducted from my Savings account {$120000.00}, plus a {$30.00} transfer fee, and mailed me a confirmation, indicating that fund would be received on XX/XX/2017. 

On XX/XX/2017, Discover Bank returned {$120000.00} " Reverse Outgoing Wire '' to my account. I got a missed call from them, but they did n't leave a message. 

From XX/XX/2017 and XX/XX/2017, I have been in contact with Discover bank 's outgoing wire department through secure messages and phone calls. I learned that the reason for the returned wire was " no conversion instruction ''. I disputed that no such info was required, and it was clear on the wire instruction form that fund sent to an foreign account would be converted to local currency. I demanded an investigation and to receive a written response, and to be refunded the {$72.00} that I lost. 

As of XX/XX/2017, I received no response. The " secure messages '' I sent and received on Discover bank 's website have disappeared as well.
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (NH)

On XX/XX/XXXX received a letter stating my payments were postponed. Letter attached On XX/XX/XXXX they request income verification. Letter attached XXXX they sent a notice of " income driven repayment annual notice '' showing {$25.00} as my monthly payment. Letter attached On XX/XX/XXXX they sent another notice of " income driven repayment annual notice '' showing {$54.00} as my monthly payment. Letter attached. 

I am not sure what is happening and it is impossible to talk to these guys. Very misleading and confusing information and now I have an overdue amount.
Consumer complaint received 2018-08-07
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: Diversified Consultants, Inc. (TN)

Diversified Consultants Inc. is reporting a account to all 3 major credit bureaus that is not mine. This company is in violation of FCRA by reporting false information. I have never heard of this company and have never done business with them. I have not received a dunning letter or ANY other communication from this company before attempting to start collection practices. I was never contacted before credit reporting. I have contacted my state 's attorney generals office in regards to this erroneous reporting and this company business practices as well. Diversified Consultants VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt. They have until the end of next week to remove the erroneous reporting off the three major credit bureaus or I will file a lawsuit. I have sent my attorney a copy of the this complaint as well. Please give this the immediate attention it deserves.
Consumer complaint received 2023-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (MO)

This company has pursued this fictitious debt against me for several years and in the past has used threatening phone calls and other tactics. I have previously filed police reports yet they persist in harassing me. 

XXXX XXXX XXXX continues to claim that Plaza Services , LLC purchased a debt for {$2000.00} from XXXX XXXX with account number XXXX for a loan prior to XX/XX/2019. This loan has never existed.
Consumer complaint received 2024-01-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

The business states in the contract that if an account is more than 60 days past due, then there will be a dispute given from the company. Any Service Contract that exceeds 60-days past due will be deemed as voided, and shall be cancelled immediately and without further notice. However, the company calls once a day 7 days a week. When you try to make your payments by phone, they harass you that they cant help you and will repossess at 30-days past due. They put you on hold multiple times and hang up, so that they wont take your payment. They imply theres a contract stating its 30-days past due and will repossess when there was no contract signed by me. Neither the representatives or the recovery team will provide this. They suggest having the manger provide it to you, but you will not hear anything back again. The representatives and recovery team are very unprofessional and ill-mannered. They talk over you and threaten you non-stop with this 30-day contract rule they have. When you finally speak up, they ignore you and hang up. Itll take at least 3-4 times until they will actually take your payment.
Consumer complaint received 2018-08-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I am writing to you regarding investigation results based on information provided to XXXX. Although, I have provided proof to this agency, that the amount is not owed there is no change to my credit file. Other agencies ( XXXX, XXXX ) were able to comprehend and verify the validity of my documents and confirm with Bank of America that it is an error within their processes and yet XXXX is unable to correct this reporting. I find this unacceptable and ask that XXXX   provide their investigation results with proof of findings. i.e. paperwork, conversation dates and representatives talked to resulting in your inaccurate reporting. 
Once again, proof of supporting documentation : 1. Bankruptcy discharge ( XX/XX/17 ) 2. Confirmation received from Bank of America to US Bankruptcy court that the creditor agrees that the debtor has paid in full the amount required to cure the prepetition default on the creditors claim 3. Release of  Mortgage recorded paid in full 4. Item on credit report Partial acct # XXXX
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/ I went into XXXX XXXX to have XXXX to remove a XXXX from my brain caused by XXXX sometime after I went into XXXX my debit card and wallet were stolen and all my money was drained out of my account putting me into the negative by over a XXXX Chase Bank instead of verifying the transactions decided to close the account and send it to collections. On XX/XX/ two days after leaving rehab from my XXXX I discovered what Chase Bank had done and proceeded to contact their executive offices to get this resolved. Chase Bank has since refused to assist me in any way telling me that because the account was closed they can not reopen it or dispute any transactions letting me know that my life savings was stolen from me and that Chase Bank executive offices as well as Chase Bank themselves refuse to assist me in this matter.
Consumer complaint received 2024-01-09
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I've received a phone call from Chase Dispute Department providing me with an update on the case associated with the charge posted on XX/XX/XXXX with XXXX for amount of {$2500.00}. Representative informed me that the merchant received the inquiry and contesting the dispute, therefore Chase was asking for supporting documentation for further proceedings. I've informed representative that I do in fact have all the supporting information and would like to submit it to Chase and asked for a Claim ID for this case. I was informed about the claim ID and was told to expect a letter from Chase which I need to fill out and submit with the supporting documentation. On XX/XX/XXXX I've received a notification that the letter was generated. I've filled out the form ( copy of it attached ) and included all the supporting documentation relevant to this inquiry which was sent to Chase via Chase XXXX XXXX XXXX on Friday, XX/XX/XXXX. Later afternoon Monday, XX/XX/XXXX I gave a call to Chase Dispute Department to confirm did they receive the documents I've provided them with since the department wasn't available via phone over the weekend. I was informed that the case was closed due not receiving the documents, notwithstanding the fact the deadline for the response was on XX/XX/XXXX.
Consumer complaint received 2023-09-20
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I was granted debt relief from the Biden_Harris administration effective XX/XX/22 and the 3  major credit bureaus have yet to update my information on my credit reports, which is continuing to cause me and my family an extended financial hardship.
Consumer complaint received 2024-01-09
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. (WA)

Transunion, XXXX and XXXX have reinserted two of the items, XXXX  XXXX XXXX and XXXX XXXX, that were reported on my identity theft report stating that they were certified as valid by the furnisher. One of the three fraudulent accounts was removed and has not been reinserted. The attached packets contain all information related to this case and have been sent to Transunion, XXXX and XXXX. The three CRA 's are all reporting different information, are violating my privacy by reporting these items and have yet to produce any proof that these accounts are mine. I have been denied credit on XXXX occasions this last month because of their errant reporting of these items.
Consumer complaint received 2022-12-19
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: LEXISNEXIS (GA)

I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I am a XXXX XXXX XXXX XXXX. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX.
Consumer complaint received 2018-12-19
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: ID Analytics, Inc. (CA)

XXXX has once again furnished ficticious and derogatory information to lender " XXXX ''. They provided a falsely low credit score and other false information as well, to assure a denial by XXXX, which they did.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Uplift, Inc (KY)

XXXX XXXX stated they bought the debt from Uplift. I informed Uplift that I never took out a loan from them and had never heard of them before. The amount was {$2200.00}. They could not even tell me where I lived or who they sent the money to. They only tried to get more information about me, so I assumed they were a fraudulent company. They then turned it over to XXXX XXXX. I informed the new company of this and they just keep trying to get me to make a deal. This is not my debt and I do not plan to pay it.
Consumer complaint received 2017-12-16
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. (IL)

I 've been a victim of identity theft. XXXX XXXX XXXX i checked my XXXX XXXX  account and noticed there were hard inquiries that i did not authorize on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I 've contacted XXXX and Transunion as well as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX in regards to these ( 6 ) inquiries being disputed for removal multiple times. I also filed a police report and placed a fraud alert on my accounts. I was advised these inquiries would be removed after contacting the aforementioned companies. It has been 30 days since the date of the inital dispute and neither credit reporting agency has resolved this matter and are in fact now stating that these inquiries will not be removed in order to maintain records. In addition to this negatively impacting my credit score it has caused closure of 3 of my existing credit cards at which i was a loyal and responsible customer which were otherwise in good standing because of the issue being unresolved ( multiple inquires that were fraudulent are ruining my credibility. ) They have had many security breeches and the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed as soon as possible.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (OR)

I received an adverse letter due to information this company I never heard about provided to XXXX XXXX. 

This company provided my information without my consent. 

This company refuses to provide my credit report when requested. 

I have sent several requests for my report, uploaded documents to obtain a credit freeze until I can review. 

They have not properly placed a credit freeze on my file for review even after providing requested documentation. 

I keep getting letters saying I have to provide docs to verify my identity, I have done so. I had to provide when I placed the credit freeze on my file. 

This company refuses to disclose my report to me which is against the Fair Credit Reporting Act. 

They are unknown, no one knows about this company, who they are, when they were established, where are they located. They are operatig in secret. 

They are providing my information without my permission.
Consumer complaint received 2022-12-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX, Equifax, and XXXX continue to report transaction history to my personal consumer report, violating XXXX XXXX XXXX. None of the XXXX aforementioned credit reporting agencies have received my consent or authorization to report this information. The only exclusion permittable related to transactions is between the consumer and the person making the report. Each of these credit reporting agencies, as of today XX/XX/2024, report XXXX adverse items to my personal consumer report. That is XXXX violations of the Fair Credit Reporting Act by each credit reporting agency listed above.