davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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 2023-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TX)

After making the first payment online, I had set up Auto-Pay, but may have accidentally set the first Auto-Payment to start the day after I made a payment, causing me to go through a process to refund the Auto-Pay payment as well as cancel it. After that, every payment period I attempted to make a manual payment on their website XXXX but after triple checking my information after numerous attempts, the payment still wouldn't go through, with their website telling me to contact my bank if the issue persisted. After contacting my bank, XXXX XXXX, they told me everything was fine with my account and that it must be a bug in Hyundai Motor Finance 's system instead. So I called the number for their customer service and tried paying over the phone, which required a fee of about XXXX dollars or so, to no avail. Same issue. I got in contact with what I thought was a Customer Service agent but was actually a Collections Dept. agent that said to make a payment with them it would incur a fee of XXXX, but due to my situation they would waive it. But even after being on the phone with them for about 20 minutes the situation seemed unchanged, where giving them my bank information and triple checking with them it wouldn't go through. After that they wanted to try using my Debit Card, which didn't work at first, but after a bit of silence they said it finally went through. Sounds fishy, and very irritating. That was the first time back in XXXX. In XXXX the same issue happened online and the same stuff happened, only that was the time I found out I was calling Collections instead of Customer Service, and when I asked to be transferred to Customer Service they told me to call a certain number, not giving me any instructions after I told them it was the same number I've been calling them at. XXXX I had the same issue, but I had them use my card which apparently was still on file with them. XXXX, today, the same issue but I finally got in contact with Customer Service, hoping to get to the bottom of my issue. After telling them my issue, repeating myself more than once about the information, they went through the same process, telling me that they'd waive the over-the-phone fee " one time only '', even though either their website or something else internally was causing my payments to not go through. After getting my confirmation number of the payment, I asked if there was anything that could be done to prevent or fix my issue, such as set up an Auto-Pay or maybe there was something on my end that could cause the issue, but they told me instead that after 48 hours that I should call again and set up Auto-Pay. And that was it. That was their solution. No promises of fixing the issue. There is no actual support being done, giving me the feeling I should instead refinance with a credit union, but I worry that's their goal : to have my loan debt be bought off in its entirety and profit of the possible interest to be accrued.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, 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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I am writing to file a formal complaint regarding the mishandling of my credit report by a company within your jurisdiction. Despite submitting a dispute on XX/XX/2023, through certified mail with tracking numbers # XXXX ( XXXX XXXX, # XXXX ( XXXX ), and # XXXX ( Experian ), the company within your jurisdiction has failed to address my dispute. 

I have made multiple attempts to follow up with the company within your jurisdiction, but it appears they are deliberately avoiding my dispute by not picking up my documents from the post office. This is not only a violation of my rights as a consumer, but it is also a clear infringement of the Fair Credit Reporting Act. 

I demand that the Consumer Financial Protection Bureau takes immediate action to investigate and address this matter. I also request that you hold the company within your jurisdiction accountable for their failure to respond to my dispute and for any further delays or non-responsiveness. 

As a consumer, it is my right to have my credit report accurately reflect my creditworthiness, and I will not tolerate any further delay or mishandling of my dispute. I expect a prompt and satisfactory resolution to this matter. 

Thank you for your attention to this matter.
Consumer complaint received 2022-01-28
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. (TX)

Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Consumer complaint received 2023-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (IN)

Some has stolen my information in Texas to open XXXX utility bill didn't pay it stole my information to do it and Now it had came up on my credit report this month. 
I live in XXXX in XXXX and had never even visit or been to Texas and Dont even No anyone there
Consumer complaint received 2023-02-28
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. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit reporting act. The list of accounts below has violated my federaly protected consumer rights to privacy confidentiality Under 15 USC 1681. 

ACCOUNT NAME # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX # XXXX HAS Violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without 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 conviction of crimes which antedates The report by more than seven years.

15 U.S.C 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Citizens Loan takes my escrow money out of my account, but the check never gets to my insurance company. I pay my insurance for the 2nd time and fight with the company to be put back in my account. They took the money from my account on XX/XX/XXXX, and while they admit the check was never cashed, it is XX/XX/XXXX and it is not back in my account, and my multiple requests that they reimburse me directly, as I have paid my insurance is ignored. I have requested they delete the escrow account because they have never managed to pay on time and force me to do this every year, for taxes and insurance. I have not been successful. I would deeply appreciate your help. It doesn't seem legal that they can take my money, not provide interest on it and keep it for months and refuse to pay me.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It 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 2023-01-19
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: Experian Information Solutions Inc. (CA)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX Balance : {$0.00} XXXX OF XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2021-07-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Coinbase, Inc. ()

Good Morning, I have a problem with the Coinbase cryptocurrency platform, it turns out that on XX/XX/2021, Coinbase sent me an email indicating that my account is under review and that it will last a few days, the problem is that I have the account under review and without being able to operate with it for 84 days, I wrote to them several times to be able to consult how my review is and they only tell me that they have many review requests and that they will advance my review to be able to leave my operational account, but I still can not operate. 
I have all my data updated and in Coinbase it appears to me that I am correctly identified at the highest level.

In total I sent 3 emails throughout these 84 days that I have been with the blocked account. 
In the account I have access and I can see my balance, but it does not allow me to buy, sell or exchange cryptocurrencies and it is very sad because as a result of not being able to operate I lost almost XXXX euros by not being able to sell. 
I beg you please that you can help me to recover my account and thus be able to operate with my money. 
All the best.
Consumer complaint received 2023-02-28
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. (TN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-16
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: EQUIFAX, INC. (CA)

I applied for a XXXX XXXX credit card on XX/XX/2020 and I did not get approved so I called them to ask why and they told me that I did not get approved because there was an account reflecting badly on my credit report. I didn't know what account they were talking about because I don't have any negative accounts on my report ; well to my surprise, I found that there is a charged off XXXX  account appearing on my credit report. This account does not belong to me. I did not open it nor am I affiliated with that company in any way. I did not benefit anything from that account that was opened in my name without my permission and I never made any payments towards that account. I filed a complaint with the consumer financial protection bureau, filed a XXXX XXXX police report and notified the company that they are reporting incorrect information.
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (TX)

I am writing to express my concern regarding the unresolved disputes I have raised with XXXX, XXXX, and Experian regarding inaccuracies on my credit report. Despite my efforts to rectify these issues, it has now been over 30 days without any response from your agencies. 

Enclosed are copies of the dispute letters previously sent, highlighting the violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), specifically : Failure to mark disputed accounts as such, as required by FCRA 623 ( a ) b ). 
Incorrect reporting period under FCRA 605 ( c ), reflecting the date of last activity instead of the last payment date. 
Continuous failure to validate collection accounts, a violation of FDCPA 809b per the FTC opinion. 
In light of these violations and the potential impact on my financial standing, I am requesting the immediate removal of the disputed accounts from my credit report. 

I expect prompt action from your agencies to rectify these inaccuracies and provide written confirmation of their removal at the earliest opportunity. 

Failure to comply with this request will leave me no option but to pursue further legal action to protect my rights. 

Please acknowledge receipt of this letter and provide a timeline for resolution. I am available for any further communication at the contact details provided above. 

Thank you for your urgent attention to this matter.
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AL)

I placed a order for XXXX home interest device ( account XXXX ). XXXX was unable to deliver the device because they had back orders for the device so the ordered was canceled and closed. I never received any product from them. I started receiving bills from XXXX for the device in the amount of {$51.00}. Then I started receiving debt collection notice from Convergent Outsourcing , Inc ( XXXX ) ( XXXX ) demanding payment.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, 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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX & XXXX  Date of inquiry XX/XX/XXXX.
Consumer complaint received 2015-10-20
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION (WI)

Took out a {$3500.00} loan over 18 months ago Was told in XXXX of 2015, there was XXXX payments left. ( I 'm still paying ). Paying over 300 % interest -- I get it. From what I can gather, now I am being charged additional " fees and interest '' for time it took ACH payment to hit THEIR account. Have called to complain to company at every level, with usual referral to a complaint website. I have been given XXXX different pay offs and XXXX different reason why there is still a balance. 13 days ago, I filed complaint on website " XXXX '' Have yet to hear from ANYONE and they claim fees and interest are still adding up. Calling the corporate offices yields a " they are a franchise office '' call them attitude with no real offers to help to to my relief.
Consumer complaint received 2017-11-27
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: EQUIFAX, INC. (GA)

I was a victim of identity theft 2 years ago. I sent 3 certified letters to Equifax requesting that they validate several items on my report and send me either a contract or something showing that these were my charges. After 3 attempts, they never produced the documents and this is unfair to me as a consumer. They also had an address in a state where I never lived. The below accounts were never validated. They sent me a letter stating that they validated the accounts but failed to provide me with anything. This is a direct violation of the FCRA. 

XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was also a XXXX  account that was opened in another state that they did remove but not the inquiry.