davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

In the midst of the pandemic in XXXX, we returned our KIA lease vehicle exactly as agreed in early XX/XX/XXXX, one day before we temporarily moved overseas. We advised KIA Finance by phone that we wished to receive the final bill by email which we understood contained an administrative vehicle return fee over and above all lease payments which we had fully paid on time with no delinquency. We explained that we would be XXXX and there would be delays in receiving any paper mail while we were overseas.

We did not receive the requested email with the final bill. Shortly after we returned to the USA in late XXXX, we found in mail delivered by a neighbor a final bill and a debt collection notice with the unpaid amount. We paid the bill by check in early XXXX ( documents attached - imaged check, bank statement, mailed envelope ). The check was cashed as noted in our bank statement but we did not receive a notice from KIA Finance. We subsequently received our backlog mail at our local post office ( collection was delayed because of pandemic-related safety issues ) and also received a home delivery of previous mail many weeks after it was sent ( which many other folks we know also experienced with USPS in late XXXX XXXX for reasons unclear to us ). We found in our accumulated and delayed mail backlog a debt collection notice with additional late fees claimed beyond the final amount due which we had paid by check as mentioned previously. To our shock, what was being billed was about twice the original amount we had already paid. In any case, we assumed this letter would be superseded by a payment acknowledgment of the original amount due after the check for the same was sent and cashed by KIA FINANCE in XX/XX/XXXX per attached documents. 

We have also just this weekend end XX/XX/XXXX discovered an adverse reference to this matter in our credit report. 

We believe that our good faith in seeking to fully pay our debt is not properly reflected as our credit report currently stands. We have asked HYUNDAI KIA Motor Finance to urgently resolve this matter by acknowledging our final payment and also removing the adverse credit report entry. 

We add that we have not any non-payment of any of our debts in the past except for very few minor delays in very few payments and which were due to overseas travel. All payments on all our accounts are up to date. The above was a truly exceptional situation which occurred under pandemic circumstances.
Consumer complaint received 2018-07-25
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MS)

I was selling a prom dress for {$300.00} and the customer sent a check from PNC Bank in Kentucky for more than the asked amount ( {$1600.00} ) .I then asked, why did they send more than the asked amount, they told me to deposit the check and withdraw the money soon after. They also told me to send the remaining amount to the shipping agent.
Consumer complaint received 2023-02-24
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$29.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$29.00} XXXX  XXXX Balance : {$740.00} XXXX XXXX Balance : {$720.00} XXXX  XXXX Balance : {$1800.00}
Consumer complaint received 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AR)

EQUIFAX AND XXXX IS UNLAWFULLY REPORTING XXXX XXXX/XXXX XXXX TRADELINE LOAN NO.XXXX, SOL EXPIRED ON XX/XX/XXXX, 1ST DELINQUECY XX/XX/XXXX.
Consumer complaint received 2019-12-25
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: BB&T CORPORATION (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-25
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: FIRST NATIONAL BANK OF OMAHA (MI)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

On XXXX someone made a purchase using my debit card for {$470.00} at a XXXX XXXX XXXX XXXX XXXX for {$520.00} On the same day. Chase Bank caught both FAKE transactions and reversed it at that time. I received a letter from XXXX in XXXX that they investigated the XXXX XXXX XXXX transaction and found that it was processed correctly i informed XXXX that I've never been to a XXXX XXXX  in my life and ask what proof did they of it. XXXX sent me a copy of the receipt from XXXX XXXX that was sent to them with a FAKE signature of mine and someone by the name of XXXX XXXX picked up the order ( not me ). I asked for a copy from XXXX, they mailed it out to me and just like I thought not my signature, so I called XXXX back after to state my claim and they told me there's nothing else they can do. I'm no {$470.00} is not a whole lot of money but it is my money somebody stole from me and I just want it back ... ..
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: EQUIFAX, INC. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2019-12-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Security National Automotive Acceptance (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-25
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: Bread Financial Holdings, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-09-02
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. (MO)

I am formally requesting with this CFPB complaint for the Credit Bureaus to correct or remove the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. Please investigate and correct the following accounts : XXXX XXXX Balance Owed : {$11000.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2016-10-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONLINE Information Services, Inc. (FL)

I owned a house in XXXX, XXXX while in the military. I XXXX XXXX and moved to XXXX, XXXX. I did not close on the sale of the house I owned until XXXX XXXX, 2016, I received my final bill from XXXX water and sewer and paid the remaining balance in a timely manner. I did not receive my final bill from from XXXX XXXX, it is now showing on my credit report and, from what I am told, will not be removed from my credit report for 7 years. I am not disputing that I owe the amount that was disclosed. I want to dispute the fact that I was not made aware of the debt owed in a timely manner for me to satisfy it. I was not made aware of the debt until I applied for a home loan. Again, I take responsibility for the amount owed, but I was not given adequate time to satisfy it.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I noticed credit inquiries that I did not authorize made by the following companies below. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of privacy rights. These are fraudulent inquiries that I did not authorize. They information have not been validated with the companies nor have i been provided with copies of any documentation associated with these accounts listed below bearing my signature, I formally request once again that these fraudulent inquiries be immediately deleted from the credit file maintained under my Social Security number. I am making this final attempt to allow these Credit Agencies to correct the erroneous reporting, and I have maintaining a careful and complete record of my communications with the Credit Agencies. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (FL)

I received a dunning letter datedXX/XX/XXXX from Linebarger Goggan et al. claiming that I owed XXXX XXXX {$170.00}, presumably for an uncollected toll with unknown surcharges ( their online payment number XXXX ). This is the first I had heard of this alleged uncollected toll. I have not owned a vehicle that may have been driven in Colorado sinceXX/XX/XXXX 

I wrote Linebarger XXXX XX/XX/XXXX, disputing the debt, stating I have not owned any vehicle driven in Colorado since XX/XX/XXXX and stating that an alleged uncollected toll from more than 4 years ago has no credibility. 

Linebarger never acknowleged my letter. Rather, they sent a " SECOND NOTICE '' wrongly claiming that I had not responded to theirXX/XX/XXXX letter.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late open account and the unjust presence of a charge-off on my credit report. Despite my diligent efforts to rectify these issues, they persist, adversely affecting my creditworthiness and financial standing. 

A charge-off entry has been unjustly placed on my credit report. Despite providing evidence and documentation proving that this charge-off is erroneous, it remains, tarnishing my credit history and impeding my financial opportunities. 

I have made previous attempt to dispute and correct these inaccuracies, providing comprehensive documentation, including payment records and correspondence with creditors, to support my claims. However, despite my efforts, the credit reporting agency has failed to rectify these issues, causing undue hardship and frustration. 

Therefore, I request the following actions : Correction of the late open account to accurately reflect my payment history. 
Removal of the unjust charge-off from my credit report. 
Thorough investigation into the handling of my disputes, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication regarding the steps taken to address my complaint and prevent similar inaccuracies in the future. 
I urge your agency to prioritize the swift resolution of these issues to restore the accuracy of my credit report and mitigate the adverse effects on my financial well-being. 

I expect a prompt and satisfactory resolution within the exact timeframe of the receipt of this letter. Failure to do so will compel me to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assistance to correct or remove these accounts in my credit file : XXXX XXXX Balance : {$21000.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXXXXXX Balance : {$19000.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

I provided all necessary documents to support my human trafficking victim block request and yet the bureau refuses to remove the adverse information that occurred due the trafficking. My documents have been accepted by multiple other credit reporters and they have removed the information from their reports however Equifax will not comply with the law. I've provided a copy of the documents that were sent to all of the reporting agencies.
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I am having an issue with a credit card company : Citibank. I have had a credit card with them for many years. 

Back in XXXX of XXXX, I had a promotional zero percent interest offer which was set to expire on XX/XX/2021. If not paid in full by XX/XX/XXXX, the interest would increase from zero to 15.24 % I paid the balance in full but the payment arrived one day EARLY on XX/XX/XXXX. Instead of applying my payment of {$4800.00} to that zero percent offer, they instead allocated that payment to my 2nd promotional balance which was subject to special rate of 1.99 %. 

This allocation error caused my account to now have a balance of {$4800.00} to be charged at 15.24 % rate. 

After calling them several times on XX/XX/XXXX they finally agreed to refund my payment of {$4800.00}, send it back to me so that I could send it to them again. They told me that they would not charge me any excess interest for the lag time in days that would occur over the time it would take for them to refund my payment and for me to pay it a second time. 

I have been charged 15.24 % interest every month since XXXX. Each month I am told they will finally fix the issue but they continue to charge me excess interest each month on the entire amount {$4800.00}. Instead of applying my payment of {$4800.00} to pay off that 0 % special promo offer, they show {$4800.00} each month as a standard purchase at 15.24 % interest.
Consumer complaint received 2022-09-02
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these itemc from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$850.00} XXXX  XXXX Balance Owed : {$760.00} XXXX XXXX XXXX  XXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.