davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (IL)

I advised KIA that I would be purchasing my vehicle at lease end. Per KIA 's requirement, I sent a cashier 's check for the payoff amount. I sent it by certified mail and when I didn't received confirmation of delivery, I contacted the USPS who indicated they could not find the letter. After three days of the post office investigation, they still could not find the mailing.

I consistently called KIA, requesting they note my account with the issue with the delivery. I went to my bank who issued the check and requested a stop pay be placed on the check. My bank advised they could to this but they wouldn't be able to reissue a new check for 90 days. While sitting at my bank, I called KIA again and was told my payment wasn't received so we proceeded with the stop pay. This was on XX/XX/XXXX. I was transferred to a lease end rep to discuss a potential lease extension under the circumstances but was then advised they couldn't discuss that with me since my account had been flagged with a claim. They advised XXXX reported my vehicle as a total loss. It was obvious that the wrong account was flagged since my vehicle has never been involved in any insurance claim. Even though it was KIA 's error, I had to call XXXX  since KIA reps can not make any phone calls. XXXX immediately issued an email confirming they have never had a claim for my vehicle but KIA advised they would not be able to look at the email for 3 days. Realizing I was dealing with reps who don't have a clue, I sent the attached letter, overnight to the CEO of KIA. I have confirmation that letter was delivered by XXXX on XX/XX/23 and I have received no acknowledgement to date. I called KIA again last Friday, XX/XX/23 to see if at least the claim flag had been removed. The automated system then indicated my payment for the lease buy out had been received on XX/XX/23 but their rep indicated the claim flag still had not been removed. I immediately contacted my back who had me come in the same day and sign a form to release the stop pay on the check and confirmed that the check had not been presented for payment. I called yesterday to again check on the claim flag but was advised that while my payment had been received, it was rejected by my bank. I spoke with my bank this morning and they confirmed the funds were available and the check hadn't been presented for payment. I called KIA again today, to inform them of this but their rep said he couldn't determine what KIA did with my check and again said he would send an email to their payment department but once again, no one would look at it for at least 3 days. So now again, my cashier 's check of almost {$23000.00} is missing and KIA can't explain what they did with it. This has been extremely stressful and KIA has been a nightmare. All communications have been instigated by me. I've called daily, emailed daily but not once has KIA contacted me to say what they are doing about this mess.
Consumer complaint received 2022-11-10
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. (GA)

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on this account because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed account is listed below. 
XXXX Account # : XXXX XXXX : {$2600.00} Date Opened : XX/XX/2012
Consumer complaint received 2020-12-23
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. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2023-08-24
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. (FL)

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 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. 

These inaccuracies are keeping me from obtaining new credit
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Americas Car-Mart, Inc. (AR)

To Whom this May Concern, This is regarding the XXXX XXXX XXXX that was initiated on XX/XX/XXXX with your corporation identified by the account number beginning with XXXX and XXXX open on XX/XX/XXXX I would like to formally request, in writing, that you CEASE & DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties including XXXX, XXXX, AND ALSO XXXX. Pursuant to 15 6801 ( a ) which clearly states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to RESPECT the PRIVACY of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

I have not given your corporation my consent to share my nonpublic personal information. If your corporation claims to have been given permission to share my nonpublic personal information, I also request that the original agreement between myself and your corporation with my signature. In which I opted in to sharing of my nonpublic personal information be furnished to me. If this agreement exist. I would also request to be shown, in that same agreement, where I was clearly and conspicuously presented with the option to opt-out of sharing of my nonpublic personal information a provision of 15 USC 6801 ( a ) which requires financial corporations to notify consumers of their information sharing practices and provide for a right to opt-out of certain sharing.

Be advised that according to 15 USC 6809 ( 4 ) ( a ), the term nonpublic personal information is defined as personally identifiable information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service preformed for the customer or Otherwise obtained by the corporation Settle this matter or legal action will take place.

You have 10 days from todays date to remedy this alleged debt.

Please do not contact me if it does not pertain to this matter at hand. 

Best Regards, Without XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (VA)

I was unaware of any lingering debt I had with XXXX until I acquired my credit report and it stated it was back in 2020 that the amount of {$780.00} was past due. This is a debt that should be removed from my report and removed as a collection from all major credit bureaus that are reporting this information.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (NY)

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 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 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

There is a name on my credit report of XXXX  XXXX. I donot recoginize that name or ever used it. 

2. Experian web site is broken, they force us to go to your site for help. 

3. XXXX XXXX  dealer services should say ok on the payments. The other two credit reporting agencies has corrected this, but Expeirian wants to be hard nosed and not correct it.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (IA)

I became aware on XX/XX/23 that a virtual credit card account had been opened in my name through XXXX when I received a letter from TD Retail Card Services asking me to verify a change of address for my account and to call them if I had not done so. When I called their number I reported that I had not opened an account through XXXX and they opened a fraud case XXXX and said they would mail a form for me to complete and return indicating that I had not opened the account. On XX/XX/23 I received the Declaration of Fraudulent Activity Statement which I completed and faxed to them on XX/XX/23. The letter that came with the form stated that they would use it to complete their investigation if received within 14 days. I called TD Retail the following day and was told my fax had arrived. I next received a letter from them stating that my claim was denied due to confirmation paperwork that XXXX had delivered XXXX products to a mail drop service to a company in New Jersey, which was the XXXX used to change the address XXXX day after the account with XXXX was opened with my address in Iowa. My recent attempts to contact the company have been ignored and I have filed a report with my local police department as well as a complaint has been sent the company from the Consumer Protection Division of the Iowa Attorney 's Office. From the delivery copies the company sent with their denial letter it looks as though XXXX XXXX phones were delivered with a total amount {$3500.00}. I have placed a freeze for myself and my husband with the XXXX major credit reporting companies to prevent any further cases like this, hopefully.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (ND)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I had fraudulent charges on my credit card which I had never authorized On Sams Club Credit Card Acct # XXXX all the charges and XXXX  XXXX XXXX  Acct # XXXX using from Walmart
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2023-05-22
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: Experian Information Solutions 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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: January Technologies, Inc (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to XXXX XXXX, January Technologies is the servicing agency and point of contact. XXXX XXXX/January Technologies furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. The balance on my credit report is not the same balance that the original creditor is reporting. Furthermore, I was never sent correspondence notifying me that this account was sold to XXXX XXXX nor have I received proper validation from the original creditor. I received nothing in the mail leading up to this collection being reported. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from XXXX or I will have no choice but to forward this to my litigation attorney.
Consumer complaint received 2022-10-21
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. (GA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reviewed my Consumer Reports and noticed that I had 5 late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-01-05
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
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. (IL)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2023-01-05
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX