davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (FL)

The consumer and Dealer entered into a financial agreement XX/XX/ finance personnel lied about down-payment on security agreement. Consumer was instructed to defraud KIA FINANCE AMERICA if the bank called inquiring about the down payment amount. The total amount put down was {$400.00} which was paid by card. On the security agreement it reports {$6200.00}. I reported this to the financial institution The supervisor was XXXX XXXX This was reported to the dealer and the finance company. The securities fraud being done at KIA FINANCE AMERICA is also being reported to the Securities Exchange Commission as well the Attorney General, The Department of Highway and motor vehicles and a few other larger entities As a bondholder, am asking for assistance with on how to redeem the bond, so that it will reflect on the acct. Still no answers. As part as the financial agreement, KIA FINANCE AMERICA issues the consumer a bond statement and a coupon note issue These are recognized as negotiable instruments under ucc article 3. 
If such a coupon is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in the Uniform Commercial Code, the debt is either considered satisfied or nullified. By not acknowledging the consumers complaint then KIA FINANCE AMERICA benefits from the consumer debt securities.
Consumer complaint received 2023-11-08
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. (IL)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Closed Capital One credit card on XXXX XXXX. Requested a closing letter and final bill for the month of XXXX, and paid that amount by XX/XX/2023. Capital, one continues to charge interest on the account. Contacted them and they said yes we did receive the final payment for the account, but because you did not pay of the balance each month interest accrues each month. 

That does not make any sense.. see the pay off letter and the statement for the month of XXXX. attached.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (CA)

I applied for an application for rent and paid the application fee for XXXX XXXX in XXXX. I was charged XXXX for a deposit that I did not select. I had my husband call and let the company know there was a mistake. They canceled my application. Refunded me the application fee but not the deposit. I contacted CashApp to dispute the charge and they denied it. 

I called today to get clarification and was first hung up on. I called again to speak to someone else who could not give me any info. When I asked what the policy was for disputes repeatedly, I was told the same canned response - Someone will get back to you via email. 

I asked again where to find the policy and was hung up on. 

I just want my money back. And cashapp is not properly investigating.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I submitted a dispute regarding a late 30 day payment on my credit report. The company responded saying they were unaware my phone number changed, however my personal phone number did not change. I have had the same phone number for 20 years. They failed to log the correct primary number to contact me. In addition, they failed to attempt to contact the co-owner 's primary contact number so neither one of us were properly notified. I am exceptionally disappointed in this company because they fail to look at my payment history and acknowledge consistent payments for 3 years, which should clearly signal to them that something went wrong for the one payment. If this is not rectified satisfactorily, I will file a lawsuit as the next step. Because of this 30 day late payment, I got a significant credit hit to my credit report, which has created significant problems. The agent on the phone indicated that XXXX XXXX XXXX has been willing to make changes on other people 's reports, so I feel that this is prejudice against me as a XXXX woman. I would like this issue rectified as soon as possible please. 

Thank you
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Called XXXX on XX/XX/2018 to get annual credit reports. XXXX and XXXX sent report right away. Called to request Equifax again in mid XXXX. Called today and finally spoke to a live person at Equifax. Answered bunch of questions and then I had to answer another batch " for security purposes '' which seemed designed to thwart all efforts to get a credit report. I was asked for specific MONTHS that I first got each of my credit cards, even though I have had 2 ( of 3 ) for more than 3 decades. I have been retired for over 20 years, told them who my last employer was, but they wanted to know what my last title was. They asked what MONTH I placed the security freeze on my account. They asked what my last balance on X credit card was. ( all of my bills are paid automatically via my checking account. ) The level of detail they required was exorbitant. Then they told me I had to send them a copy of my drivers license and social security card via fax. Most public fax machines retain the info they scan. Can't see how that was a safe request. 

I have lived at the same address for over 22 years. I just wanted them to send the report that they have sent me every year for the past 10 or 15 years. I don't know what is different this year. The other two agencies had no problem sending me a report. I am over 60 years old and could not possibly remember some of the detail asked of me, especially inconsequential details from so long ago. The entire " confrontation '' seemed designed to discourage to the point of denial of my annual credit report.
Consumer complaint received 2023-05-18
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-29
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. (TX)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilles with fairness, impartiality, and a RESPECT for the consumer 's RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system I never gave my expressed, written consent fle these consumer reporting agencies to report my information, which violated IS U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 Us. Code 1631c-2. These accounts are notrelatedtoany
Consumer complaint received 2023-12-18
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)

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
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. (FL)

XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Equifax is reporting the following inquires on my report which are registered with the FTC as Fraudulent Inquires. It is pass 30 days and they have not given an remedy.
Consumer complaint received 2023-09-22
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. (GA)

On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report.This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the account 1. XXXX XXXX XXXX XXXX - Account Number : XXXX You have validated inaccurate information and this account is hereby disputed. The information on this account being furnished on my consumer report is inaccurate. 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-05-16
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CL Holdings LLC (VA)

My name is XXXX XXXX : My address is XXXXXXXX XXXX XXXX XXXX VA My XXXX is XXXX Dear Consumer Financial Protection Bureau, I hope this email finds you well. I am writing to bring a serious matter to your attention concerning erroneous collections that is appearing on my credit report. I recently discovered the presence of these collections, and to my utmost surprise, I have no knowledge or information about the debts in question. I firmly believe that these collections have been inaccurately reported and are negatively impacting my creditworthiness. 

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, which grants me the right to request validation of any debt that is being reported on my credit file. Section 609 of the FCRA stipulates that upon my request for debt validation, the credit reporting agency and the collection agency must provide me with specific information to verify the legitimacy and accuracy of the debt. 

The erroneous collections I am disputing are listed as follows : Jefferson Capital Systems Inc, XXXX XXXX XXXX XXXX XXXX XXXXXXXX AL XXXX JCS Reference Number - XXXX Amount of Debt - XXXX Date of Deliquency - Unknown I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and intervene to ensure that these erroneous collections are removed from my credit report promptly. I kindly ask that you initiate the validation process under Section 609 of the FCRA on my behalf and require the collection agency to provide the necessary documentation to substantiate the validity of the debt.

I am concerned about the potential harm to my creditworthiness and financial stability due to these inaccuracies. I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. Please feel free to contact me at XXXX or via email at XXXX if you require any further information from my end. 

Thank you for your assistance in resolving this issue. I trust that your intervention will help rectify this situation and restore the accuracy of my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MI)

This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. Because of this I could not purchase a home or gain a credit card. I never gave this company my information or endorsed an instrument with them. Pursuant to 12 CFR 1006.6, more specifically subsection ( c ), this is a notice to cease all communications as the Fair debt collection practices act describes it which includes both direct and indirect communication on ANY medium except that you may ONLY communicate with me under the stipulations that you will send me validating information such as the entire purchase agreement ( and other validating data ) and/or to respond to ANY complaints from the Consumer Financial Protection Bureau ( cfpb ). In case this company feigns ignorance, I attached a screenshot of the XXXX website explaining how the FDCPA defines communication. I did not endorse an instrument with CAINE & WEINER nor have they provided proof that I did with my wet ink signature, they only purchased a contract and are trying to collect without having it endorsed first which violates Uniform Commercial Code 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (FL)

I mobile deposited a check from the XXXX XXXX XXXXXXXX into my business account XXXX XXXX XXXX for XXXX on XX/XX/XXXX at XXXX I received an email that it was approved and processed on XX/XX/XXXX at XXXX and that the funds should be available in 2 days, I went inside the branch at XXXX XXXX XXXX XXXX XX/XX/XXXX looking for a particular employee XXXX to speak to her about moving my XXXX XXXX business over to BMO she wasnt there I left got in my car, seen that I needed gas so I went through the drive up window filled out a withdrawal slip for {$50.00} a representative at the window advised me that my check had just been placed on a 7 day hold, contacted BMO Resolution Team ( supervisor ) spoke to a supervisor by the name of XXXX she was able to call the branch and speak with XXXX XXXX the branch manager at XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX then advised XXXX that she put the 7 day hold on the check because I walked inside the branch and walked back out and went through the drive up window to withdraw money, So XXXX explained to XXXX that the check was just on a standard 2 day hold and that she didnt see the reason it was put on a 7 day hold, XXXX advised XXXX that if she wanted to she could release the hold. So XXXX released the hold, {$500.00} was available right then the other {$4700.00} was suppose to be available XX/XX/XXXX, I went to the branch at XXXX XXXX XXXX XXXX the same day XX/XX/XXXX and withdrew {$300.00}. On XX/XX/XXXX I checked my online account and the {$4700.00} wasnt available my actual balance was - {$300.00}. So I Called BMO again they advised me the check was sent to Fraud and the account is frozen and was did so by the branch manager XXXX XXXX. Fraud then advised me that the check wasnt in my name and I had to have the owner of the check sign a Affadavit of endorsement ( which was my mom ) and have it notarized so the owner and I walked in the branch not even 30 minutes after the Resolution Team advised me of this the Resolution Team also advised that once they received the affidavit of endorsement they could release the freeze off of my account within the hour, Once we signed the form the branch manager XXXX XXXX had to notarize the form. So when I called BMO Fraud department to advise them that the bank rep XXXX had sent in all documents and information they advised us that it will take an additional 14 days for the check to process and clear. Fraud does not have any notes on my account all of the notes are from the branch manager XXXX XXXX at XXXX XXXX XXXX.
Consumer complaint received 2024-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Dovenmuehle Mortgage, Inc. (FL)

Today my adjustable mortgage interest rate, which is based on the XXXX rate, was increased to 8.25 %. 

My rate changes every 6 months and this is an increase from the previous 6 months, and yet, the XXXX interest rate has only declined. Today it is at 5.31 %. 

When I called my lender, they could not provide me with any digital documentation, and stated that my rate was calculated on XX/XX/XXXX. They refused to explain further or make changes, stating that this rate was now fixed until XX/XX/XXXX.
Consumer complaint received 2024-01-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

HAYT HAYT & LANDAU FILED FOR WAGES GARNISHMENT THROUGH MY EMPLOYER onXXXX. DID NOT MAIL ME ANY NOTIFICATION. NOT RESPONDING TO MY CALLS. I had an agreement to make 4 payments to settle debt, last year paid 3 times online, last payment I wasnt able to make online as they blocked my account so last check was mailed. They using unethical methods to target customers..
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management (TN)

I do not know anything about Fox Collection. The info randomly showed up on my credit. I disputed and it was removed then recently I received texts from this company. I didnt give them permission or authorized them to text me. I dont have any business with them. The bill in question was paid to the XXXX of XXXX XXXXXXXX back on XX/XX/2021 @ XXXX for the amount of XXXX. The receipt # is XXXX. 

I want to ensure all my credit reports are not reflecting this company as I dont know them, didnt sign any contracts with them and for them to stop reaching out to me. I feel like Im being harassed as well as texted messages being sent without my authorization.