davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NJ)

Dear Experian, Upon reviewing my credit report, I have identified numerous inaccuracies and unauthorized entries on my profile. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), it is crucial to emphasize the rights afforded to consumers regarding privacy protection.

Section 602A of the Act explicitly outlines my right to privacy, underscoring the obligation for accuracy when furnishing consumer information to reporting agencies, as articulated in section 1681s-2 ( A ) ( 1 ). Additionally, section 604A, subsection 2, mandates that consumer reporting agencies can not disclose accounts without my explicit written consent. 

The accounts detailed below have infringed upon my consumer rights, and I demand their immediate removal from my credit report : Account name XXXX  XXXX Account number XXXX Account name CONSUMER ADJUSTMENT CO Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Consumer reporting agencies are entrusted with significant responsibilities, including the fair and impartial treatment of consumer data and a steadfast commitment to privacy protection. 

I request a revised copy of my credit report to ensure that my consumer right to privacy is upheld and maintained. It is imperative to verify that these unauthorized entries have been rectified, thereby restoring the integrity of my credit profile. 

Thank you for your attention to this matter.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (FL)

On XX/XX/2023 I requested that the inquiries on my accounts be verified. I still have not received any information on these inquiries. nor has the company reponed with verification on the cfpb complaint. These are the complaint numbers that have not been responded to XXXX XXXX XXXX Those complaint were sent on XX/XX/2023
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

I purchased a XXXX  Hyundai XXXX as my lease expired in XX/XX/2022. I was told the title would be mailed to me, it never arrived. I spoke to someone with Hyundai 's corporate office in XX/XX/2022 and was told the title must have been lost in the mail and a duplicate title would be sent to me ( was also told they would contact me to let me know when that went out in the mail ). 

That duplicate title has never arrived and the woman I spoke to has not responded to nor returned over a dozen calls on this issue. The car currently has no registration and I have already been ticketed once over this issue ( they could have also impounded the vehicle but chose not to ).
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. (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.

Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXXXX/XX/year> 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 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-05-09
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. (NM)

Since I looked at my credit report months ago, I've discovered that some of the data was still inaccurate. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3credit bureaus are obligated to authenticate certain items. ( A ). It is unacceptable to treat certain reporting items as unverified rumors without providing evidence within the prescribed window of time. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). ( A ), look into the unverifiable things and correctthem from my report right now. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a loan with XXXX XXXX XXXX that I paid off 3 months early in XX/XX/XXXX. For some reason XXXX XXXX XXXX held that 3 month lump some final payment and did not apply it to my account until XX/XX/XXXX. But then in XX/XX/XXXX they reported the account paid and closed. In the time between XXXX and XX/XX/XXXX, XXXXXXXX XXXX XXXX  reported to the Credit Reporting Agencies that my account was first 30, then 60, then 90 days delinquent. I wrote a letter to XXXX XXXX XXXX in XX/XX/XXXX requesting that they correct their reporting error. I received a reply from XXXX XXXX XXXX stating that they would correct the error. However, I am having a problem, particularly with TransUnion, getting them to receive my documents showing proof that XXXX XXXX essentially admitted their error. In the mean time, there is a negative inference on my credit reports. I utilize a banking institution that uses TransUnion exclusively when determining credit worthiness. I currently have a XXXX score on XXXX. However, I could potentially be denied or charged higher interest if my bank sees a negative inference on my TransUnion report.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT HAS BEEN INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND REFUSED THE FOLLOWING : XXXX CREDIT CARD FROM XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS.

FURTHER, PURSUANT 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY.

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY.

I AM DEMANDING, UNDER PENALTIES OF PERJURY, FOR YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAILS OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETHER THE TRANSACTION TOOK PLACE OR NOT PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND TO DO THE FOLLOWING : XXXX. DELETION OF THE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2018-09-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HANCOCK WHITNEY BANK (LA)

In XXXX of this year I received a call from XXXX XXXX XXXX regarding my car payment, I was behind and I explained to the rep XXXX that I had been in a abusive  relationship and I had been trying to get away from the person but my life was threaten repeatedly and I also suffered some financial loss due to being repeatedly injured, I told him that I can send him copies of the police report and the criminal order of protection. XXXX told me to make a payment by XX/XX/XXXX and he would get with the committee to get a hardship waiver for a few months so that I can be current on my payments and have a little time to get myself together. I had been making payments and then in XXXX my great-great auntie told me that a police officer came to her house looking for me. I contacted the officer and I was informed that my car was supposed to be seized for sheriff sale. I was so shocked, how could this be? So I went to file chapter XXXX bankruptcy and can't afford an attorney to represent me, I heartbroken because they let me make payment after payment and then decide to repo my vehicle, no one ever notified me that my vehicle was up for repossession. I have never had a problem out of a financial company like this. In XXXX I felt like I was lied to because the rep wanted me to believe he felt sorry for the abuse issue I had. If I would have known my car was in jeopardy of repoed I would have slept in my car until things were taken care of. I had to move twice in one month because he located me and threatened my life and I was afraid. I just think whitney bank business ethics are horrible and they are putting me through so much stress its bad enough I have to fear for my life. I have never had issues with making any of my car payments until I went through the unfortunate situation this past year and a half
Consumer complaint received 2018-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (CO)

In mid-XXXX  I tried depositing a check in my Ally checking account using their mobile app. The app said I could not deposit the check because it had already been deposited, which was not true so I tried depositing two other checks for different amounts. I got the same false error message when I tried to deposit those checks. 

I contacted Ally support, and they told me it was a problem with the mobile app, so on XX/XX/2018 I tried depositing the first one of those checks through their website by uploading photos, however I got the same false error message. I continued trying to deposit checks through the mobile app over the next several days, however when it became apparent their system was broken and their support was unwilling or unable to help me I cancelled the one recurring payment I had set up in bill pay. 

That payment went out anyway, so I had the recipient destroy the check. However, Ally still charged me a {$25.00} overdraft fee for that payment on XX/XX/2018 as well as identical fees on XX/XX/XXXX and XX/XX/XXXX, one of which was for an automatic payment. These overdrafts were entirely Ally 's fault for failing to keep check deposits working.
Consumer complaint received 2023-11-17
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. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-09-06
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: AES/PHEAA (TX)

This account is listed late payments 90+ days on XX/XX/2017, XX/XX/2017, and XX/XX/2017. These dates were in forbearances during these months therefore these payments are not late and are current. Please update this information. I have been sending disputes on this matter for months now because this is severely negatively affecting my credit and causing me so much pain moving forward in my life. XXXX XXXX did a great job updating previous late payment disputes I had and I ask that they please do the same. I ask that three credit bureaus XXXX, XXXX, XXXX delete these late payments and update my profile
Consumer complaint received 2018-09-06
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. (FL)

Equifax is listing a XXXX XXXX credit card ending in XXXX on my credit report, from XXXX XXXX. This is wrong and should be deleted. I never authorized this account and I already had a XXXX XXXX  card that was opened on XX/XX/2012. 
This is a duplicate listing and under the terms of the FCRA, ( Fair Credit Reporting Act ), incorrect information must be deleted.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Timely payments have always been a priority for me concerning this account, preventing any instances of overdue payments. I find it perplexing to discover reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, rectifications are necessary.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Kindly examine the attached documents. I want the bureau to start an inquiry into these accounts, as I am never late with payments, despite their erroneous reporting.
Consumer complaint received 2023-07-01
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. (NC)

No action has been done I have sent in letters for months trying get this resolved. Its always coming back verified. I have never got a letter just a statement which isnt the right paperwork of debt of validation
Consumer complaint received 2023-11-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to bring to your attention a matter of significant concern regarding the accuracy of my credit report. After a thorough review of my credit history, I have identified inaccuracies that are adversely affecting my credit score and limiting my financial opportunities. 
XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Upon reviewing my credit report from your bureau, I noticed several instances of reported late payments that I believe are inaccurate. These late payments are erroneously attributed to my account and have been persistently impacting my credit score. I have attached a copy of my credit report with the disputed items highlighted for your reference. 
I would like to request a thorough investigation into the accuracy of these late payment entries. I have always made timely payments, and these inaccuracies are unjustly affecting my creditworthiness. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of these inaccurate late payments from my credit report. I kindly ask that you conduct a prompt and thorough investigation into the matter, verify the accuracy of the information, and make the necessary corrections to my credit report.
Consumer complaint received 2018-09-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NJ)

Upon reviewing my credit report I was surprised and shocked when I saw a late payment! I don't have any idea how this could have happened. The report doesn't even show a date so I don't even know when this supposedly happened. I always make my payments when I receive the statements. The statement must not have gotten to me somehow.
Consumer complaint received 2018-09-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (SC)

On XX/XX/XXXX, I was issued a loan from XXXX  for {$600.00}. To date, I have paid {$390.00} which has cleared and posted plus another {$130.00} which is in process for a total of {$520.00} ( 4 payments of {$130.00} ). Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$600.00} loan, the fees collected should be {$90.00}. Once I make my fifth payment of {$130.00} on XX/XX/XXXX, I will have paid {$650.00}. To pay the {$90.00} fee, I would owe a remaining amount of {$32.00}. I will pay that amount on XX/XX/XXXX. 

The XXXX website states I still owe {$670.00}. For a {$600.00} loan with a {$90.00} fee, my amount to pay would be {$690.00}. With the {$390.00} which has already cleared, to collect another {$670.00} from me would mean XXXX will receive {$1000.00} on a {$600.00} loan. 
This is PREDATORY, OBSCENE and APPALLING!!! XXXX preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. 

Once my fourth payment ( XX/XX/XXXX ) and fifth payment ( XX/XX/XXXX ) of {$130.00} each are posted to my account, I will only owe {$32.00} to pay back {$690.00}. I will pay that on XX/XX/XXXX. At that time, I want my account marked " Current/Paid in Full/Closed ''.