davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to delete the following information in my file. These items that should be deleted are listed in the report. I was trying to ask the Bureaus for validation of these Collections but I did not receive any response from them. 

Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, these Collection Agencies have violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$700.00} ACCOUNT NAME : XXXX ( Original Creditor : XXXX XXXX XXXX  ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$750.00}
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MD)

On or about XXXX XXXX, 2022, I was told by a Discover Card customer service agent that there was suspected fraudulent activity on my account. This agent had mentioned at least two account transfers involving my card. I insisted that I knew nothing about any such transactions and after much more conversation about this, wed agreed that the card seems to have been breached and we shut it down. After weeks had passed without ever receiving the replacement card and new account number, Id called Discover to let them know I hadnt gotten it yet, and then also about what all had happened that caused the need for the replacement, only to then be told that they dont see anything unusual on my account, and that they cant send me another card because I was in an interest reduction period for six months when it was closed and so I dont qualify for a replacement card! I then explained to this agent and every other agent after that that I did nothing to lose that account. I explained that Ive had this account for coming up on 20 years soon and Ive never missed a payment- EVER! In fact, Ive never missed a payment on anything, at least XXXX accounts across the board during this time and that by closing my account, youre affecting my credit adversely and unfairly! If the Discover agent was lying to be devilish or malicious, then that should be addressed. If he did it because he wasnt trained properly to distinguish between in house transactions and fraud, then that should be addressed as well. Either way, I did nothing to damage my credit in this way, and I dont want my account closed. What I do want, while were on the matter, is a look at my interest rate. My minimum payments have more than doubled and Id like to look at options to make my payments more manageable until I pay the entire balance off soon.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
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)

Ensuring punctuality, I've consistently made timely payments on this account, never allowing them to slide into overdue status. I'm unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, these should be rectified.
Consumer complaint received 2023-10-10
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA (CT)

I am experiencing trouble with Hyundai Capital America, and in particular with my Kia Finance account. Within the last 2 years I have opened up lease agreements with this company for XXXX XXXX model year vehicles. I received a letter from them in XXXX of XXXX informing me that I had an outstanding balance against both of the vehicles that I have leased with them, due to taxes levied by my state. I have no issue with this, this is expected in the case of a lease. This was the first notice I received because both vehicles are set up with AutoPay so I do not check their website regularly. Within 48 hours of receiving the notice in the mail, I logged into my Kia Finance account and attempted to initiate payment. I thought I was all set and the payment was due to be processed. Then, to my surprise I received another letter in XXXX of XXXX informing me that both vehicles still had an outstanding balance. Apparently on the first attempt, both payments failed to process, I believe because of issues with their web portal. When I attempt to log into the web portal now I have something like a 30 % success rate using a standard XXXX PC and a Chrome browser, which is not the performance I would expect from such a large company. In any case, I logged back into my web portal in XXXX of XXXX, saw that it was indeed reporting a balance, so I scheduled payments for both vehicles again. In this case, it would appear that payment for only XXXX vehicle was processed The next communication I received in XX/XX/XXXX was from the collections department telling me I was delinquent and that the delinquency had already been reported to the agencies. I checked on the account, contacted customer service and had them process payment over the phone. I then checked on my autopay status, saw that it claims autopay will pay the " Amount Due '' and brought that up as a complaint with them. I also sent a letter to their dispute department and the process was not followed as described on the phone. 

I submitted the above complaint to the XXXX and was contacted by Hyundai Finance America and told that this is just how their payment system works. I maintain that if it is represented on the website that I will be charged the amount due, then there should be no issues with delinquent payments. If they want to change the language on their website then in the future people might not be in the same situation I was in.
Consumer complaint received 2023-10-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WorldRemit Corp. (IL)

In first week of XX/XX/XXXX I requested copies of all sent transactions between XXXX XX/XX/XXXX. They said they would not provide since they had canceled my account. I argued that it was their choice to cancel my account but that I was legally entitled to my sent transactions history. They refused.
Consumer complaint received 2023-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (OH)

I was never in Forbearance or deferment with Wells Fargo in XXXX or XXXX. The company sent me a copy of 1 page that they said I signed. I did not sign this form. During all this time, in XXXX, they never contacted me. They did not send me any copies of letters that informed me I was in forbearance. They did not send me any notes or documented any phone calls between them and me.. They did not send me any letters that informed me of a forbearance for XXXX. I never received any snail mail, email, phone calls, text messages or any information that I was ever delinquent. I only learned about this from a letter I received from HUD this year, XXXX. I questioned it immediately to HUD. They referred me to Wells Fargo. This information needs to be removed from Wells Fargo immediately.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When credit bureau XXXX and transunion are pulled by lenders XXXX is my credit score. I have more than 10 year 's of established credit. Also, for some time now XXXX states that credit files split into two with that beingvsaid I have missing positive information on only my XXXX. I spoke to the office of consumer affairs and they advised me the credit splitting and not reporting years of established credit is an error with their database. Why should their error be at my expense?
Consumer complaint received 2018-03-20
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: General Motors Financial Company, Inc. (TX)

Hello, On XX/XX/2017 I went to XXXX XXXX to look and buy a new car, and I was in the process of getting one. The salesman at that time told me that XXXX XXXX   has a bank of their own and that they would use that bank to check out my credit and give me a price. The salesman was taking so long and I decided to not take the car instead and look somewhere else. Around a couple of weeks later, I check my credit report on XXXX XXXX and see that there is six different hard inquiries on that specific day. The names are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2024-03-18
Product: Credit reporting 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. (PA)

I created a new identity theft report as Equifax is now violating 18 U.S. Code 1028A which is Aggravated Identity theft as they chose to continue reporting this false information. I had sent a previous notice to Equifax that there are some unauthorized fraudulent inquiries on my consumer report and the dates that I sent the notices were XX/XX/XXXX and the reinvestigation letter on XX/XX/XXXX. I provided an identity theft report together with my identification but they insisted that It was Factual and accurate. However when I asked for the procedures they took to verify the inquiries they did not reply. It has been over 60 days since I sent the letter. See attached letter and exhibit.
Consumer complaint received 2023-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

The creditor listed on my credit report as XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have no knowledge of this account. Please provide theoriginal signed agreement displaying legal validation with my signature provided on the contract.
Consumer complaint received 2024-03-18
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. (PA)

I had sent a previous notice to Equifax that there are some unauthorized fraudulent inquiries on my consumer report. I provided an identity theft report together with my identification but they insisted that It was Factual and accurate. However when I asked for the procedures they took to verify the inquiries they did not reply. It has been over 60 days since I sent the letter. See attached letter and exhibit. I created a new identity theft report as Equifax is now violating 18 U.S. Code 1028A which is Aggravated Identity theft as they chose to continue reporting this false information.
Consumer complaint received 2024-03-18
Product: Credit reporting 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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-01-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (LA)

In regards to the original complaint # XXXX that was closed before the appropriate feedback response that I attached was provided. The appropriate requested resolution has not been reached under HUD XXXX. 
In response to the XX/XX/XXXX SLS response on complaint # XXXX please note below. XXXX ) The Agreement ( offer ) that was sent on XX/XX/XXXX was invalid as the FHA loan was still in CARES ACT Forbearance period. 2 ) As Forbearance was ending XX/XX/XXXX, there was a need to come to an agreement with Mortgage relief options established in the CARES Act which fall under FHA XXXX XXXX waterfall for FHA-insured Loans XXXX The appropriate XXXX Recovery options were never sent in compliance with the FHA XXXX XXXX Loss Mitigation Options before the XX/XX/XXXX Letter. XXXX ) Therefore, Letter that was sent on XX/XX/XXXX, was a form of illegal discrimination under the Fair Housing Act and did not comply with the CARES ACT and/or HUD Law Recovery requirements. XXXX ) SLS claims they responded appropriately to inquiries when in fact XXXX ( HUD ) had an outstanding inquiry we were awaiting response to the on the XX/XX/XXXX letter that were never responded to by SLS. There was an inquiry made by XXXX XXXX HUD ) regarding the if the interest rate could be adjusted to be in line with a previous interest rate offered of 3 % for XXXX Months. XXXX ) The letter on XX/XX/XXXX, saying no longer being reviewed should have not been sent at this time as the SLS did not provide the appropriate response to the outstanding inquiry prior, and a good faith payment was made. XXXX ) The Letter from XX/XX/XXXX was not another modification agreement that complied with HUD XXXX it was a Stand-Alone partial claim. XXXX ) Again, the SLS letter from XX/XX/XXXX was not modification agreement that complied with HUD XXXX it was a Stand-Alone partial claim. XXXX ) In the letter dated XX/XX/XXXX SLS said they left a message with my authorized party XXXX ( HUD ) on XX/XX/XXXX in which I was never notified by the HUD office by phone or email. In addition, I never gave SLS the authority to contact XXXX ( HUD ) by outbound call if that is the case. She was added to call inbound for information on the account. They should be calling me on the number listed on the account unless directed otherwise. I also sent this follow up request to SLS Fax which they received on XX/XX/XXXX XXXX. XXXX ) Please have SLS send the appropriate Modification in compliance with FHA HUD XXXX ( Includes Modified Payment + Partial Claim ) not a Stand-Alone Partial claim. A XXXX XXXX XXXX Modification would establish an affordable monthly payment, resolve the outstanding mortgage payment arrearages, and permanently modify the first mortgage monthly payment so the Partial Claim can eventually be paid off.
Consumer complaint received 2020-12-28
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. (MS)

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 also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my lifestyle by getting certain things situated to help provide for me and my family.
Consumer complaint received 2023-09-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (TX)

On or around XX/XX/2021 l requested validation of this debt. I received a settlement of debt offer letter. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that this be removed from my report immediately.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or corrected immediately 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 2024-03-18
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. (VA)

Companies Involved : XXXX EQUIFAX 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 XXXXXXXX The companies listed have reported the following accounts improperly and illegally. 
I respectfully request that these accounts be removed from my credit profile with all deliberate speed. 

XXXX XXXX : this account has XXXX balance. Please remove. 
XXXX XXXX XXXX  : this account has XXXX balance. Please remove. 
XXXX : this account has been charged-off, Please remove Under FCRA guidelines these closed and charged-off accounts need be deleted from my profile.
Consumer complaint received 2023-10-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2021-11-01
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 (NJ)

Around XX/XX/2020 i was shopping for the best rates for my car loan and as a result my credit reports have been hit multiple times within the given 14 day period. I thought the rule stated I woukd only be assessed one point? This bank hit my credit twice on separate occassions the same week.
Consumer complaint received 2021-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I reached out to Medical Data Systems on XXXX XXXX in response to the claim that I owe {$530.00}. I requested a validation of debt so that I can get additional clarity on this claim. Medical Data Systems did not respond with any of the information I requested. The response was " Based on our investigation of your dispute, it is our position we have identified you as the correct consumer for this account ''. 

Medical Data Systems continues to report negative information on my credit report even though this claim is disputed and they have failed to send the requested information to substantiate the claim under the Fair Debt collection Practices Act. 

I did not request verification or proof of my mailing address but a request for validation. 

I informed Medical Data Systems on XX/XX/2021 that they are in violation of the FDCPA.