davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (CO)

I serve in the U.SXXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX XXXX XXXX I submitted all required documents to XXXX XXXX XXXX XXXX to XXXX, and confirmed with Kia 's customer service over the phone that the documents were received and that I would have an approved transportation letter within three business days. By the XXXX, I still hadn't received the letter, and called back where I was told that Kia " received the documents on the XXXX '' and that it would take five business days to process the documents. I escalated this with Kia and was told I would have the letter by the end of the XXXX. Today, on the XXXX, I still have no letter, and Kia is telling me it will take up to three business days to get the letter sent. 

The best a customer service representative did on the XXXX was send an email to the transportation department asking for my situation to be fast tracked, but I have little to no hope this will provide any assistance. 

For reference, Kia Finance manages vehicle transportation requests, and I needed the letter by the XXXX for a shipment scheduled on the XXXX.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

Dating back to XX/XX/XXXX is when this matter was first disputed. Now being XX/XX/XXXX matter still not resolved. XXXX, Experian and XXXX are all reporting a XXXX  on my consumer credit report. They have all put in the data furnisher as being the XXXX XXXX XXXX XXXX XXXX which is FALSE. I have attached a letter from the XXXX XXXX XXXX XXXX XXXX verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify, validate any information concerning bankruptcies or any court proceedings. XXXX, Experian and XXXX are falsely stating this information on my consumer credit report and have yet to remove this item after several disputes.
Consumer complaint received 2024-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I fell victim to an investment scam by a company named XXXX XXXX between the period of XX/XX/XXXX to XXXX XXXX company seemed very legit.There was customer support to answer any question or concerns and also an email address where confirmation of my money being sent via XXXX was confirmed .Upon agreeing to this investment, I was also given contacts to sign for verification purposes.The transfer amounts of {$54000.00} were made via my Wells Fargo Account.I have sent two emails to Wells Fargo regarding this devastating issue and they have been of no help.They said that once the money leave my account, it can not be reversed.They have also said that the money is untraceable and is not willing to help me in anyway whatsoever. 
Please, also refer to the attached letter for more details.
Consumer complaint received 2023-07-12
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. (LA)

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 2023-07-08
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I wrote to Equifax, XXXX, and XXXX on XX/XX/year> stating that they are inaccurately reporting my information, out of compliance with the Privacy Act, and USC Codes. 

According to the Privacy Act, no agency shall disclose any record- this means financial transitions - by any means of communication to any person or agency except pursuant to a written request or by prior written consent of the individual to whom the record pertains. 

I have not provided any written consent. In fact, I revoke any of my written, verbal, and implied consent with other financial institutions and this is my formal notice that Im opting out. 

XXXX XXXX XXXXXXXX has a privacy statement that they do not share with non-affiliated companies, yet this information has been shared out of compliance. XXXX XXXX also has a privacy statement that they do not share with non-affiliated companies, and this was shared out of compliance. 

I have attached the original letters to this case.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-07-12
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. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$4300.00} ; XXXX XXXX  XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$400.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$360.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-03
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 604 a. States I have a right to privacy 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.
Consumer complaint received 2023-06-15
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. (CA)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-03-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (GA)

Midland mortgage company committed deception during the last complaint I submitted through CFPB. Case # XXXX. Midland mortgage company claimed that the remedy was monetary relief but no monetary relief was ever given to me nor was it distributed to the account I have with them. They lied about the relief and they never fixed my delinquent taxes. Why was the case closed when they didn't do anything to fix the problem or address the concerns!!
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Hello I am on a payment plan with one of my credit cards with Capital One to get my card limit back on track to bring my limit down however, I should not be receiving a late fee when I am on a payment plan thats only going to deferred me in my balance, I was told that I didnt pay {$200.00} but my payment plan is for XXXX for the next three months. My next payment is not come out until XXXX and I was told on XXXX the late fee will be removed. However, the late fee needs to be removed now considering Im on a payment plan to get my account back hurts to me thats very unfair. How can someone get on track if theyre making you pay late fee
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (NY)

Wayfair sent a defective item XXXX for which I requested to return for a refund. Wayfair customer service contacted me and stated that they would refund me for the item and they did not want me to return the item. I have emails proving this. Several months later wayfair began contacting me by email and harassing me saying they reversed the refund on the credit card. I canceled the credit card and they sent a debt collection to XXXX XXXXXXXX XXXX
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Credit Acceptance 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. Excessive interest fee charged illegally
Consumer complaint received 2023-06-15
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. (OH)

I received copy of my credit reports and noticed fraudulent unauthorized accounts have been placed onto my file. At which time I contacted the bureau by phone as well as have submitted certified mail on XX/XX/2023 detailing that I am a victim of identity theft, along with proof of identity ( copy of driver license, and proof of address ) and requested immediate removed/ deletion of the items that I did not authorize including multiple inquires and collection accts XXXX XXXX XXXX XXXX XXXX. I called back to the bureau to confirm receipt and to gather update as to when my file would be updated to the correct information to reflect only authorized accounts an inquiries as they are still reporting fraudulently to me and don't actually belong to me.
Consumer complaint received 2023-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (VA)

I received a letter from Devt Recovery Solutions LLC on XX/XX/XXXX that stated they are trying to collect a debt to XXXX XXXX XXXX. They claim I owe a medical bill from XXXX, which is false information. This is an old debt that was paid off in full in XXXX. I believe they falsely got my information via a data breach and are trying to steal my identity.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NY)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on DISCOVERBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

DISCOVERBANK XXXX Balance {$0.00}
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: HW Holding, Inc (NY)

Hunter warfield inc in XXXX, Florida is Violate in my consumer rights Reporting information to the credit bureau without my authorizadid not inform me that they was going to do this did not give me an opt out paperwork I did not even agree with this company or have a contract with this company under any circumstances I wrote them for them to provide Information that I have agreement with them And showing me wet signature that I agreed with any kind of contract they have I do not notice people but right now they're putting this information on my credit report which is causing damage to me and my family and stopping me from getting loans And moving into any apartments to provide a roof over my family head which they're giving dyseptic information and false information which is XXXX in my character I asked them to remove it as well because I do not have a contract with them And I did not give the previous owner any rights to give anyone my information and by law they're supposed to contact me and give me a chance to opt out which they never did I do not know these people And a report on my credit inaccurate information and they have stole my identity because I did not give them my social security number under any circumstances
Consumer complaint received 2017-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BBVA FINANCIAL CORPORATION (CA)

Hello, I recently refinanced my home with XXXX XXXX XXXX and my lender paid off my line of credit at BBVA Compass Bank, the subject of this complaint. I was told a few days after the payoff that i had an outstanding balance of {$71.00}, i submitted a payment for {$74.00} and thought it was all paid because i received no further notices. That last payment was XX/XX/2016. My regular statement was not generated XX/XX/XXXX and the previous one was issued XX/XX/2016. So with no statement and having paid off my balance, my debt was settled. Two days ago i got a report from the credit bureaus that BBVA Compass had reported my payment late. I called and they were unable to explain all of the accounting discrepancies on my account, nor were they able to explain why i had not received a statement and why their collections department had not attempted to call me regarding the alleged debt. I further reviewed my account and it looks like they have additionally misapplied funds and not counted for payments i made to settle the balance on XX/XX/2016. Please help, i have no other derogatory remarks on my credit and in the process of helping my parents purchase a home.
Consumer complaint received 2022-11-21
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)

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX 14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 15. Validate Account XXXX 16. Validate Account XXXX XXXX 17. Validate Account XXXX XXXX XXXX  XXXX CA Please remove it from my credit report. 

18. Validate Account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

19. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX 20. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX 21. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 22. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX 23. The following personal information is incorrect Employers : XXXX EMPLOYEE 24. The following personal information is incorrect Employers : XXXX
Consumer complaint received 2023-07-07
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. (GA)

On XXXX XXXX There was a new account ( XXXX XXXX XXXX XXXX ) reported to all three bureaus I have no recollection of this account opening and reporting as a Personal account. acoount has been closed with XXXX XXXX and I would like to have account removed completely off report
Consumer complaint received 2023-07-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$3900.00}