davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I set up payments in my XXXX app the same way I always do and for some reason it did not go through. It went through the previous 2 months and it was set up the same way. I had no idea it didnt go through until my boyfriend said XXXX keeps calling me and telling me my car payment is late but then they pull up my account and say its fine we arent sure why anyone is calling you. I never got any type of notification it was late and didnt know my payment didnt go through. Finally he asked a bunch of questions because he was frustrated they kept calling and realized they were calling for me. I looked at my paperwork from the dealership and they used his phone number and some of his other info on my application my mistake ( he also has a car loan with XXXX and applied to get a new car at the same time I did ). As soon as I realized what happened I called and made the payment. I told the representative what happened and she said shed put in a request to not report to the credit bureau because it was a mistake from the dealership and if Id have been notified it didnt go through or was late or received a reminder it would have been paid on time. This is more so a complaint for the car dealership for their error but I dont feel like I should be penalized for that. Id just like the 30 day late removed please. They did waive the late fee.
Consumer complaint received 2023-06-30
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. 

Account Name XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX Account Number : 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 2021-05-27
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am showing a Hard Inquiry from Capital One on my XXXX  Credit Report from XX/XX/XXXX. I already have a card with Capital One and have not applied for another one. I have been offered credit increases and I have checked if I was prequalified for a new card with them but I have not authorized a credit check with them since I first opened my card on XX/XX/XXXX.
Consumer complaint received 2021-05-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-10-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: KEYCORP (MI)

On or around XXXX XX/XX/XXXX Key Bank instructed XXXX to place my student loan accounts into a CO status after Key failed to timely process a forbearance and notify its servicer and midstream collections agent. As a result, Key 's negligence caused disparate streams of information to be sent to both the borrower and co-borrower regarding the status of the loan accounts. These issues were brought to Key 's attention on or around XXXX XXXX XXXX  in CFPB complaint XXXX. I suggsted as resolution, " Rehabilitate the loans and send them back to XXXX for servicing with same interest rate ( s ) and under the terms of the original loan agreement with an N-month forbearance that brings the loan ( s ) current backdated to the time of first deliquency. Release my co-borrower after six ( 6 ) months of on-time payments. '' Key responded to XXXX writing in part " Please be advised that KeyBank complies with the provisions of the Fair Credit Reporting Act ( FCRA ), which prohibits furnishing any information related to a consumer that KeyBank knows or has reasonable cause to believe is inaccurate to a consumer reporting agency. Any negative reporting of the Accounts during the payment extension has already been corrected. Our review identified no errors occurred after the payment extension ended and the Accounts charged off. Thus, for that timeframe we are unable to update or remove the reporting on your consumer reports. '' The applicable portion of law that Key is referring to in their response is 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ). However, what they did not mention was the provisions outlined in 15 U.S. Code 1681s2 ( a ) ( 1 ) ( E ) which outlines rehabilitation of private student loans. Key did not address the issue of loan rehabilitation in their response to XXXX and instead claimed for the requested period they were " unable '' to change any negative annotations in my credit file. The excerpts from the Federal Code are attached.
Consumer complaint received 2021-05-27
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Personal information incorrect
Company: HYUNDAI CAPITAL AMERICA (NC)

HMF please read this. After you " resolution '' of my initial complaint I decided to review my HMF online account page today. Surprise, nothing has changed. My account name is still incorrect and you continue to list someone else 's personal information in my account. It would be funny if it wasn't so pathetic.
Consumer complaint received 2021-05-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Convergent Resources, Inc. (FL)

XXXX is incorrectly charging me {$290.00}. I fulfilled my contract agreement and returned the equipment. I have called XXXX per phone calls, there was an adjustment made for the charges that leaves a correct balance owed of {$53.00}. XXXX has sold the debt to a collections agency and refuses to correct the inaccurate amount owed. This violates my consumer rights to have accurate information reporting.
Consumer complaint received 2023-02-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (FL)

Upstart report that I was 30 days late on my payment l to the credit bureau but on the XXXX when I made the payment it wasnt late they never inform me me that my payment was return couple days after they report the credit bureau they should have called me or mail me to let me know and I ask them for a forgiveness but they keep saying they can not and it ruin my credit score when it wasnt my fault
Consumer complaint received 2021-05-27
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)

I have sent the following three credit reporting companies a letter disputing the accuracy and asking them to verify an inquiry on my credit report back on XX/XX/XXXX. I asked them also to block and delete this account because of identity fraud and the lack of accuracy. They have responded by saying that XXXX XXXX verified the account with accuracy when that is not the facts. So I again have a few questions about those inquiries. Is it true that in order to pull someones credit report, you need a permissible purpose to do so? If that is the case, then why did the companies XXXX, XXXX, and Equifax pull my credit without my authorization? 

The XXXX XXXX Account XXXX reports different when looking at the other two credit reporting companies. XXXX  shows paid when looking at the account status, XXXX  shows that it is closed and Equifax shows paid. To me, it does not seem to THAT XXXX  XXXX  nor Equifax verified this account with maximum accuracy. Also nor have I consent, authorize, or benefited from the credit. This my second time corresponding with them in an attempt to resolve this matter because the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. To date, the financial injuries are the cause of unauthorized inquiries. It affects my ability to attain credit from chase because of their XX/XX/XXXX rule. Due to identity theft in this matter and lack of accuracy of the information and verification. The three credit reporting companies have not enlisted within my profile that the inquiry has been disputed.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent the following three credit reporting companies a letter disputing the accuracy and asking them to verify an inquiry on my credit report back on XX/XX/XXXX. I asked them also to block and delete this account because of identity fraud and the lack of accuracy. They have responded by saying that XXXX XXXX verified the account with accuracy when that is not the facts. So I again have a few questions about those inquiries. Is it true that in order to pull someones credit report, you need a permissible purpose to do so? If that is the case, then why did the companies XXXX, TransUnion, and XXXX  pull my credit without my authorization? 

The XXXX XXXX Account XXXX reports different when looking at the other two credit reporting companies. Experian shows paid when looking at the account status, Transunion shows that it is closed and XXXX  shows paid. To me, it does not seem to THAT XXXX TransUnion nor XXXX verified this account with maximum accuracy. Also nor have I consent, authorize, or benefited from the credit. This my second time corresponding with them in an attempt to resolve this matter because the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. To date, the financial injuries are the cause of unauthorized inquiries. It affects my ability to attain credit from chase because of their XX/XX/XXXX rule. Due to identity theft in this matter and lack of accuracy of the information and verification. The three credit reporting companies have not enlisted within my profile that the inquiry has been disputed.
Consumer complaint received 2021-05-27
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. (GA)

Hello and Grand Day. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 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 have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. In addition, it is very difficult trying to obtain a suitable financial lifestyle for my XXXX children and I. Not only have I been denied apartments and homes, I'm also unable to obtain basic checking accounts at any financial institution, also considering that I am a current student it is highly unfair. Please delete the items as soon as possible with urgency. 
Thank in advance,
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hillcrest Davidson & Associates (CT)

I have disputed a charge to my credit card for a rental of equipment and the company has refused to look into the matter as I requested. 
I now get constant call from a collection attorney firm called Hillcrest Davidson & Associates - XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I've asked them to look into the matter, but all I get is threats of legal action and threats of negative action to my credit.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Currently have a medical bill that was paid by my insurance company. I have mailed in disputes with the Credit bureau with no success. I'm currently in the process of trying to buy a house and really need these items removed. I also included other accounts that are reporting incorrect that need to removed from my Credit Report.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I have a loan with SANTANDER CONSUMER USA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SANTANDER CONSUMER USA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and SANTANDER CONSUMER USA with no successful resolution.XXXX XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2021-05-27
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)

I want this incorrect information removed from my credit report. A collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC, XXXX - ( XXXX ) XXXX is wrongly listed. That account is now serviced by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-05-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have contacted Equifax multiple times, the most recent being XX/XX/2021 about inaccurate, erroneous, and highly injurious accounts being reported by their company. I have not received any response or resolution on the matter for over 30 days after it has been confirmed that they have received my dispute. I have records and receipts of every time I have contacted Equifax and they have violated several clauses within the Fair Credit Reporting Act.
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (AL)

I have an account on my credit report that recently appeared from I.C. System for an account with XXXX. I.C. System did not send me any documentation before they reported this account to the credit bureaus. I never received the notice stating my right to request validation of this debt.
Consumer complaint received 2017-04-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Santander Bank has not settle Civil terms of XXXX Mortgage .Santander has failed to validate XXXX mortgage debt, as stated in a letter Sent from Santander Bank , Santander Banks has failed to validate XXXX Mortgage by not submitting the banks license to collect a debt in PA and Santander Banks has failed to validate, XXXX Mortgage by also not submitting its OMB control number, under the Paper Reduction act of 1995. XXXX
Consumer complaint received 2021-05-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

These agencies are in violation of 15 U.S.C 1692g. They were to notify me in writig 5 days prior. I was not. As the original creator, only I can validate this debt, I do not validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These ageNcies are in violation of Hippa according to FDCPA, I will file a complaint with inappropriate Misuse of my medical information and for deceptive practices XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

Sears City bank issued me a Sears only use card. when the balance waSXXXX i ORDERED TO CANCEL IT. XXXX CARD REFUSES TO DO SO, ACCOUNT NUMBERXXXX. THE SEARS CITY BANK CARD HAS OVER XXXX SIMILAR COMPLAINTS.THE THREATHEND TO RUIN MY CREDIT.THANK YOU. XXXX XXXX, SS # XXXX PHONE XXXX.
Consumer complaint received 2021-05-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian and XXXX has continuously and falsely verified this alleged account. Both Experian and XXXX  have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector ( XXXX XXXX ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Consumer complaint received 2015-05-18
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Trans-Fast Remittance LLC ()

I availed the money transfer from Transfast.com. I filled up the information needed and when the application was submitted the amount was immediately debited from my account. The next day, they sent me an email that they cancelled my transaction and informed me that they will refund me the money with XXXX business days. I followed up with them many times and they keep on saying that they will refund me the money back into my account. As of the time of writing, I have not yet receive back my money from Transfast.
Consumer complaint received 2021-05-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I have been trying to dispute this collection for at least a year now. I have not got in contact with anyone and no body has gotten in contact with me. I had and still am being covered by XXXX. This is the only account holding me back. I would like for this collection to be removed. Thank You. : Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$940.00} {$940.00} Payment Info Original balance {$940.00} Balance {$940.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX  ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Consumer complaint received 2021-05-27
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. (MD)

On XXXX -- 2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.