davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (FL)

Iq data international says I owe for XXXXXXXX XXXX apartments, I have never leased from XXXXXXXX XXXX apartments and told them that, the company I leased from no longer is in business and they would not remove snakes from property and my wife was terrified and caused her issues and we had to move, they refused to help in anyway and were responsible for pest removal. We moved and my rent was paid to date when we did. They broke contract by not removing snakes from my front door, the only way out and my wife suffered from this. This was on my report for seven years and I never contacted them but they changed amounts on my report to make it look like I was doing something, now they have put this back on my credit report and I have never spoke with them in over 7 years. They are falsifying information to try and get me to pay something I'm not going to pay.
Consumer complaint received 2023-10-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (AZ)

When we purchased our vehicle, the payment date was set up for the XXXX of the month, we had requested the payment be changed to the end of each month, which was done with the first payment being due the end of XX/XX/XXXX. 

In XX/XX/XXXX Hyundai Finance changed our due date to the XXXX and charged a late fee for the payment not being received by their new due date. I called Hyundai Finance to inquire why they had changed the due date, they alleged that I had requested for the date to be changed. I did not and would not, neither my husband nor I would have ever done this. They refused to change the date back to the agreed payment date. 

A couple of weeks ago I again called Hyundai Finance to have my due date corrected and changed back to the end of the month. I explained that I had XXXX on XXXX/XXXX/XXXX and that I would not be receiving my Social Security pay until the XXXX Wednesday of the month. I was again told that I had already changed it once and it could not be changed again. The agent helping me found a note where I had called in XXXX asking why they had changed my due date. 

As you can see per the attached, they did not change the date back to the end of the month. I have accrued two late fees for different amounts due to them not correcting the due date back to the end of the month. 

I remember at the time ( XXXX ), there was a obvious glitch in Hyundai Finance 's system that the agent I had talked with at the time acknowledged, but could/would not correct the issue.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Client Services, Inc. (NC)

On XX/XX/2018 I called Client Services to settle a debt. The original account was with XXXX XXXX. The Client Service representative asked me why was I delinquent on my account? I explained to her I had a medical emergency that prevented me from making timely payments on my account with XXXX XXXX. On XX/XX/2018 this debt was settled for {$220.00}. The representative ensured me a settlement letter an a update with all three credit bureaus. On XX/XX/2018 I received a letter from Client Services confirming the debt was settled in full. I called Client Services on XX/XX/2018 inquiring about the update in my credit file, since the debt was settled and paid. The representative from Client Services insured me that they would update this account with all three credit bureaus ( XXXX, XXXX, and XXXX ). On XX/XX/2018 I mailed a certified copy of my receipt to all three credit bureaus to verify this account is paid /settled in full. On XX/XX/2018 my credit score dropped 52 points! And the reason behind the huge drop was because XXXX XXXX/ Client Services added a negative remark " variable/adjustable rate '' to my credit file. Every month Client Services updates this account with a balance and negative remarks to all three credit bureaus. This account was settled on XX/XX/2018. As of XX/XX/2018 this accounts still reflects late payments, a balance, and negative remarks in my credit file. XXXX  XXXX/ Clients Services last update in my credit file was on XX/XX/2018.
Consumer complaint received 2024-03-13
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)

XXXX  XXXX is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Experian ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX  XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt in order to file as ordinary income. Where is my 1099-C XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX  XXXX terms and conditions they agreed not to share my information with non-affiliates. XXXX and Experian is not an affiliate of XXXX  XXXX nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2023-09-19
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. (IL)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-04-18
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. (NC)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THIS ACCOUNT. BLOCK AND REMOVE IT. 
XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I made a credit card payment to the Citibank Costco XXXX XXXX XXXX ( XXXX ) on XX/XX/23 for {$12000.00}. The outstanding balance on my account was reduced by this same amount. 
After trying to use the card on XX/XX/23 the card was declined for unavailable funds. The credit card is approved for {$13000.00}. After calling Citibank I was told that because the payment on my account was so large they were going to put a hold on the account until XX/XX/23. I have made many payments in the past and the available funds on the account were available immediately. Citibank is holding my available funds hostage and there needs to be better regulations to stop this practice. Citibank has the funds but will not release the funds to my available credit. 

They also told me that they needed to make sure the funds were available in my bank account before they can can these funds available on my credit card. They called my bank while I was on hold and determined the funds were available. My bank account with XXXX XXXX XXXX XXXX debited my account on XX/XX/23 for the {$12000.00}.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-04-18
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. (GA)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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 2024-03-13
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. (CT)

I have disputed this account XXXX reported by XXXX aka XXXX XXXX XXXX XXXX XXXX to let them know that I have opted out of reporting and that they are violating my rights to privacy as a consumer per 15 USC 6802-obligations with respect to disclosures of personal information. So I am taking this complaint to the CFPB for remedy pursuant to 15 USC 6805 to enforce the law. I am also attaching my documentation to this claim. They usually use stall tactics to say they need more time to investigate and they are reporting false and misleading information. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract which they have failed to do so. I am seeking the removal of this inaccurate reporting and breach of my consumer privacy.
Consumer complaint received 2023-10-06
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Union Home Mortgage Corp (FL)

Something happened during the refinance process on my mortgage. My payments were as they promised for XXXX year. Then I was told that the loan was {$1800.00} short in the escrow, and had been since the refinance. It's made the mortgage payments much bigger to catch up with the shortage, resulting in late payments and additional fees. The mortgage company has stated that the insurance was not paid, but I spoke with the insurance company and they received their payments all along, including the one at closing. 
I refinanced in XXXX of XXXX. It's been a nightmare since XX/XX/XXXX with continual late fees and increased payments.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I keep receiving calls from a company called portfolio recovery and every time I block their number, they just call from another one. I do not have any debt at all in my name except for my car loan which I have never been behind on, ever. I don't even know how this company got my phone number as it has been the same for several years but these calls have been going on for a couple of months.They don't even leave a message, I have to call back and get their pre recorded message to know who it is.
Consumer complaint received 2023-04-10
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-06
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. I never written a letter to agree to furnish account without my consent. Consumer laws protect as this account violates my privacy against my will. its also a form of identity theft as well as my personal information is public. I will be filing a Identity Theft Report as well.

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.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WESBANCO BANK, INC. (OH)

None of the transactions were authorized, they are all from XXXX : XXXX XXXX XXXX XXXX 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

XXXX is posting false information on my Consumer profile without being 100 percent accurate they are Commiting forgery of a furnished who's not participating in the credit Reporting Act I have asked several times for a reinvestigation to post accurate information on my Consumer profile and they have yet to do so which is hindering me from other opportunities
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Equifax. I have applied for a loan. The loan company can not access my credit because of a freeze. I never froze my account. However, when I call Equifax to remove the freeze it is supposedly lifted. However, the loan company can not access my credit as it appears to be frozen. 

The Equifax website indicates that it is not frozen. But the loan company still can not access the account. 

Endless calls. Endless time spent with customer support. Yet my credit can not be accessed.
Consumer complaint received 2022-12-08
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)

Over the course of a year, I have been trying to get a fraudulent account removed from my credit report with XXXX XXXX XXXX and Equifax Information Services. A year ago when I first saw the fraudulent account, I wrote to XXXX, Equifax XXXX XXXX right away. XXXX complied by removing the account. XXXX and Equifax removed the account but then put the account back on my report which later I found out are illegal by 15 USC 1681i ( a ). 

Since then I have been sending letters to Equifax XXXX XXXX requesting the XXXX XXXX  account to be removed. They have refused to do so. I have sent multiple letters and filed multiple FTC reports. They always respond by saying that they conducted research and this account is mine but they never show me proof of their research. I've requested they explain their process and show proof but they never do. It's becoming frustrating because I get the same generic template response as if a computer makes the decision and not even a real person looks into it. 

They have neglected 15 USC 1681i ( 6 ) ( B ) ( iii ) by not showing a detailed description of the procedure used to determine the accuracy and completeness of the information. 

I've even sent multiple Affidavits of Truths alongside my letters and FTC reports but they have never replied to my Affidavits. 

Both Equifax XXXX XXXX have had multiple court cases against them in the past regarding the same problems I am facing right now. At this point, I've hit a dead end and have no idea who I can rely on for accurate information or help regarding this issue. 

My recent FTC report number was : XXXX I pray and hope that whoever looks over my report at CFPB can help and make these reporting agencies fix this issue that has been a weight on my shoulder and giant wall in my finances. 

Thank you
Consumer complaint received 2022-05-31
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. XXXX XXXX, INQUIRY ON : XX/XX/2021. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Consumer complaint received 2022-11-03
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: NAVY FEDERAL CREDIT UNION (TX)

XX/XX/2022 someone use my information to open a credit card, spoke with XXXX they will not help even with police report I did not open this account
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.